WO2017148258A1 - Procédé, dispositif et appareil de paiement - Google Patents

Procédé, dispositif et appareil de paiement Download PDF

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Publication number
WO2017148258A1
WO2017148258A1 PCT/CN2017/073494 CN2017073494W WO2017148258A1 WO 2017148258 A1 WO2017148258 A1 WO 2017148258A1 CN 2017073494 W CN2017073494 W CN 2017073494W WO 2017148258 A1 WO2017148258 A1 WO 2017148258A1
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WO
WIPO (PCT)
Prior art keywords
payment
user
paid
verification code
face image
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
Application number
PCT/CN2017/073494
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English (en)
Chinese (zh)
Inventor
才华
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.)
China Unionpay Co Ltd
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China Unionpay Co Ltd
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Publication date
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Publication of WO2017148258A1 publication Critical patent/WO2017148258A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—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
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • 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
    • G06V40/16—Human faces, e.g. facial parts, sketches or expressions

Definitions

  • the present invention relates to the field of payment authentication technologies, and in particular, to a payment method, device, and device.
  • bank card for credit card input password payment requires a bank card to be used, which is inconvenient to use, and has a hidden danger of leaking the bank card password.
  • the embodiment of the invention provides a payment method, device and device for solving the problem of password leakage caused by swiping a card and inputting a password during the payment process.
  • a payment method provided by an embodiment of the present invention includes:
  • the payment server receives a payment request sent by the payment terminal, and the payment request includes a payment amount to be paid;
  • the payment server determines the face image information of the user to be paid and the face image library Whether the face image information matches;
  • the payment server obtains the payment account number and the user terminal number of the user to be paid, and sends a first verification code to the user terminal of the user to be paid according to the user terminal number;
  • the payment server determines whether the second verification code is consistent with the first verification code
  • the payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment, where the payment notification includes the payment amount to be paid and the user to be paid Payment account.
  • the payment server sends the first verification code to the terminal to which the user to be paid is bound, including:
  • the payment server sends a payment confirmation message to the user terminal of the user to be paid, and the payment confirmation message includes the first verification code;
  • the payment server pushes the first verification code to an application in a user terminal of the user to be paid.
  • the method before the payment server receives the payment request sent by the payment terminal, the method further includes:
  • the payment server receives user registration information, where the registration information includes a user ID, a payment account bound to the user ID, a user terminal number bound to the user ID, and N sets of face image information of the user, where N is greater than or equal to 1;
  • the payment server stores the registration information of the user.
  • an embodiment of the present invention further provides a payment method, including:
  • the payment server determines whether the face image information of the user to be paid matches the face image information in the face image library
  • the payment server acquires the payment account of the user to be paid and the payment amount to be paid;
  • the payment server determines whether the second verification code is consistent with the first verification code
  • the payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment, where the payment notification includes the payment amount to be paid and the user to be paid Payment account.
  • an embodiment of the present invention further provides a payment apparatus, including:
  • a first receiving unit configured to receive a payment request sent by the payment terminal, where the payment request includes a payment amount to be paid
  • a second receiving unit configured to receive face image information of the user to be paid automatically collected by the payment terminal
  • a determining unit configured to determine whether the face image information of the user to be paid matches the face image information in the face image library
  • a sending unit configured to acquire a payment account number and a user terminal number of the user to be paid if the face image information of the user to be paid matches the face image information in the face image library, and according to the user terminal number Sending a first verification code to the user terminal of the user to be paid;
  • a third receiving unit configured to receive a second verification code that is sent by the payment receiving terminal and is input by the user to be paid;
  • a determining unit configured to determine whether the second verification code is consistent with the first verification code
  • a payment unit configured to send a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment, where the payment notification includes the payment amount to be paid and the payment account of the user to be paid.
  • the sending unit is specifically configured to:
  • the method further includes: a fourth receiving unit and a storage unit;
  • the registration information Before receiving the payment request sent by the payment terminal, receiving user registration information, where the registration information includes a user ID, a payment account bound to the user ID, a user terminal number bound to the user ID, and a group N face of the user. Picture information, N is greater than or equal to 1;
  • the storage unit is specifically configured to store the registration information of the user.
  • an embodiment of the present invention further provides a payment apparatus, including:
  • a first receiving unit configured to receive a verification code request sent by a user terminal of the user to be paid, and send a first verification code to the user terminal of the user to be paid according to the verification code request;
  • a second receiving unit configured to receive face image information of the user to be paid automatically collected by the payment terminal
  • a determining unit configured to determine whether the face image information of the user to be paid matches the face image information in the face image library
  • An obtaining unit configured to acquire a payment account of the user to be paid and a payment amount to be paid if the face image information of the user to be paid matches the face image information in the face image library;
  • a third receiving unit configured to receive a second verification code that is sent by the payment receiving terminal and is input by the user to be paid;
  • a determining unit configured to determine whether the second verification code is consistent with the first verification code
  • a payment unit configured to send a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment, where the payment notification includes the payment amount to be paid and the payment account of the user to be paid.
  • an embodiment of the present invention provides a payment device, including:
  • At least one processor and,
  • the memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to perform the payment method of the first aspect described above.
  • an embodiment of the present invention provides a payment device, including:
  • At least one processor and,
  • the memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to perform the payment method of the second aspect described above.
  • an embodiment of the present invention provides a non-transitory computer readable storage medium, where the non-transitory computer readable storage medium stores computer instructions for causing the computer to perform the first aspect described above The payment method in the middle.
  • an embodiment of the present invention provides a non-transitory computer readable storage medium, where the non-transitory computer readable storage medium stores computer instructions, where the computer instructions are used to cause the computer to perform the second aspect described above The payment method in the middle.
  • an embodiment of the present invention provides a computer program product, the computer program product comprising a computing program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions, when the program instruction When executed by a computer, the computer is caused to perform the payment method of the first aspect described above.
  • an embodiment of the present invention provides a computer program product, the computer program product comprising a computing program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions, when the program instruction When executed by a computer, the computer is caused to perform the payment method of the second aspect described above.
  • the embodiment of the present invention indicates that the payment server receives the payment request sent by the payment terminal, and the collection server receives the face image information of the user to be paid automatically collected by the collection terminal, and the collection server determines the face image information of the user to be paid and Whether the face image information in the face image library matches; if matched, the payment server obtains the payment account and the user terminal number of the user to be paid, and sends a first verification code to the user terminal of the user to be paid according to the user terminal number.
  • the payment server receives the second verification code input by the payment terminal to be paid by the user to be paid, and the collection server determines whether the second verification code is consistent with the first verification code. If they are consistent, the payment server sends the payment account to the user to be paid.
  • the account manager sends a payment notification to complete the payment.
  • a payment notification to complete the payment.
  • the security of user payment can be confirmed.
  • verification code verification is performed, which avoids further strengthening the security of payment in the case of face recognition error. .
  • Only need face recognition and input verification code no need to carry out cumbersome card swipe and input password, which improves convenience and increases user experience.
  • FIG. 1 is a schematic flowchart of a payment method according to an embodiment of the present invention.
  • FIGS. 2a to 2b are schematic diagrams showing display of a verification code according to an embodiment of the present invention.
  • 3a-3b are schematic diagrams showing display of a verification code according to an embodiment of the present invention.
  • FIG. 4 is a schematic flowchart of a payment method according to an embodiment of the present invention.
  • FIG. 5 is a schematic flowchart of a payment device according to an embodiment of the present invention.
  • FIG. 6 is a schematic flowchart of a payment device according to an embodiment of the present invention.
  • FIG. 7 is a schematic structural diagram of a payment device according to an embodiment of the present disclosure.
  • FIG. 8 is a schematic structural diagram of a payment device according to an embodiment of the present invention.
  • the user needs to register the member in advance at the place of use, establish a user ID (Identity), and bind the user's name, mobile phone number, and the like with the user ID, and
  • the face image information of the user corresponding to the user ID is collected, and the face image information of the user is stored in the face image library in a secure manner, and is encrypted to prevent the face image information from being stolen.
  • the user also needs to encrypt the bank card information, send it to the background through secure communication, and submit the card issuing bank of the bank card for verification, thereby completing the binding of the bank card information.
  • the receiving server in the embodiment of the present invention may be a background server, and the user terminal bound to the user ID in the embodiment of the present invention may be an electronic device having a wireless communication function and capable of installing an application program, such as a mobile phone, a tablet computer, or a palmtop computer. .
  • the payment terminal in the embodiment of the present invention may be a POS machine of a supermarket.
  • the client corresponding to the payment server set in the user terminal in the embodiment of the present invention may be an application installed in the user terminal.
  • FIG. 1 shows a flow of a payment method that can be executed by a payment device.
  • the process specifically includes:
  • Step 101 The payment server receives the payment request sent by the payment terminal.
  • Step 102 The payment server receives the face image information of the user to be paid automatically collected by the payment terminal.
  • Step 103 The payment server determines whether the face image information of the user to be paid matches the face image information in the face image library, and if yes, proceeds to step 104, and if no, proceeds to step 102.
  • Step 104 The payment server obtains the payment account number and the user terminal number of the user to be paid, and sends a first verification code to the user terminal of the user to be paid according to the user terminal number.
  • Step 105 The payment server receives a second verification code input by the payment receiving terminal and sent by the user to be paid.
  • Step 106 The payment server determines whether the second verification code is consistent with the first verification code, and if yes, proceeds to step 107, and if no, proceeds to step 105.
  • Step 107 The payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment.
  • the user registers at the collection terminal of the supermarket and can receive the user registration information.
  • the user registration information includes a user ID and a payment account bound to the user ID, a user terminal number, and N sets of face picture information of the user.
  • the user registration information is then stored.
  • the payment account bound to the user ID is used to deduct the payment amount generated during the shopping, and the user terminal number is used by the payment terminal to send the first verification code to the user terminal according to the user terminal number.
  • the N group face picture information is used to match the collected face picture information of the user to be paid. N is greater than or equal to 1.
  • step 101 after the shopping is completed, the user makes a payment to the counter, and after the payment terminal scans the commodity, sends a payment request to the payment server, where the payment request includes a payment amount to be paid, and the payment amount to be paid is used for payment.
  • step 102 after the payment server receives the payment request sent by the payment terminal in step 101, the collection terminal needs to automatically collect the face of the user to be paid, and the collection terminal is provided with a device for automatically capturing the face avatar.
  • the face image information of the user to be paid can be automatically collected, and the face image information of the user to be paid is collected, and the face image information of the user to be paid can be used for face recognition.
  • the face image information of the user to be paid can be automatically collected by a camera or other face image information collecting device.
  • the receiving terminal sends the automatically collected face image information of the user to be paid to the payment server, and the receiving server receives the face image information of the user to be paid automatically collected by the receiving terminal.
  • step 103 after the payment server receives the face image information of the user to be paid automatically collected by the payment terminal, the face image information of the user to be paid is matched with the face image information in the face image library. . If the face image information of the user to be paid matches the face image information in the face image library successfully, the identity of the user to be paid is confirmed, and the payment server can obtain the payment account and the user terminal number of the user to be paid. Otherwise, the payment receiving terminal is notified to continue collecting the face image information of the user to be paid. If the user fails to match the preset number of times, the user who is to be paid cannot pass the verification, so that the payment cannot be made, and the bank card of the user is guaranteed. safety.
  • step 104 when the payment server determines that the face image information of the user to be paid matches the face image information in the face image library, the payment server obtains the payment account and the user terminal number of the user to be paid, and Sending to the user terminal of the user to be paid according to the user terminal First verification code.
  • the first verification code can be set to be valid within the set time, and cannot be used beyond the set time, and needs to be reacquired.
  • the set time can be set according to experience, for example, it can be set for 5 minutes.
  • the process of sending the first verification code to the user terminal of the user to be paid by the payment server may be that the payment confirmation message is sent to the user terminal of the user to be paid, and the payment confirmation message includes the first verification code, as shown in FIG. 2a. .
  • the user can also manage the payment confirmation message, for example, the payment confirmation message can be deleted to avoid information leakage, as shown in FIG. 2b.
  • the user can install the payment management application in the user terminal in advance. After the application is opened, as shown in FIG. 3b, the pushed first verification code can be seen, and the first verification code is pushed after the face image information of the user to be paid is successfully matched.
  • step 105 after the payment server sends the first verification code to the user to be paid, the user checks the verification code and inputs the verification code, that is, the payment terminal can obtain the second verification of the user input to be paid. And the payment terminal sends the second verification code to the collection server, and the collection server receives the second verification code input by the payment terminal and the user input to be paid.
  • step 106 the payment server determines whether the second verification code input by the user to be paid is consistent with the first verification code in step 104. If they are consistent, the identity of the user to be paid can be confirmed, and the identity of the user to be paid is further verified. To ensure the security of bank card information. Otherwise, the payment terminal needs to be notified to continue to obtain the second verification code input by the user to be paid. If the second verification code is obtained after the predetermined number of times, the payment is determined.
  • step 107 after the payment server determines in step 106 that the second verification code is consistent with the first verification code, the payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment.
  • the payment notice includes the payment amount to be paid and the payment account of the user to be paid.
  • the foregoing embodiment shows that the payment server receives the payment request sent by the payment terminal, and the collection server receives the face image information of the user to be paid automatically collected by the payment terminal, and the collection server determines to wait. Whether the face image information of the payment user matches the face image information in the face image library; if matched, the payment server obtains the payment account number and the user terminal number of the user to be paid, and provides the user to be paid according to the user terminal number.
  • the user terminal sends the first verification code
  • the collection server receives the second verification code input by the payment terminal to be paid by the user, and the collection server determines whether the second verification code is consistent with the first verification code, and if they are consistent, the payment is received.
  • the server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment.
  • the security of user payment can be confirmed.
  • verification code verification is performed, which avoids further strengthening the security of payment in the case of face recognition error. . Only need face recognition and input verification code, no need to carry out cumbersome card swipe and input password, which improves convenience and increases user experience.
  • FIG. 4 shows a flow of a payment method that can be executed by a payment device.
  • the process specifically includes:
  • Step 401 The payment server receives a verification code request sent by the user terminal of the user to be paid, and sends a first verification code to the user terminal of the user to be paid according to the verification code request.
  • Step 402 The payment server receives the face image information of the user to be paid automatically collected by the payment terminal.
  • Step 403 The payment server determines whether the face image information of the user to be paid matches the face image information in the face image library, and if yes, proceeds to step 404, and if no, proceeds to step 402.
  • Step 404 The payment server acquires a payment account of the user to be paid and a payment amount to be paid.
  • Step 405 The payment server receives a second verification code input by the payment receiving terminal and sent by the user to be paid.
  • Step 406 The payment server determines whether the second verification code is consistent with the first verification code, and if yes, proceeds to step 407, and if no, proceeds to step 405.
  • Step 407 The account management server corresponds to the account management of the payment account of the user to be paid The party sends a payment notice to complete the payment.
  • the user registers with the application on the user terminal, and the payment server receives the user registration information sent by the user terminal.
  • the user registration information includes a user ID, a payment account bound to the user ID, a user terminal number bound to the user ID, and N sets of face picture information of the user, and then the payment server stores the user registration information.
  • the user terminal number is used by the payment server to send the first verification code to the user terminal according to the user terminal number.
  • the N group face picture information is used to match the collected face picture information of the user to be paid. N is greater than or equal to 1.
  • step 401 after the purchase is completed, the user to be paid opens the application in the user terminal, and sends a verification code request to the collection server for requesting the payment server to send the verification code.
  • the payment server receives the verification code request sent by the user terminal of the user to be paid, and returns a first verification code to the user terminal of the user to be paid according to the verification code request.
  • the first verification code can be set to be valid within the set time, and cannot be used beyond the set time, and needs to be reacquired.
  • the set time can be set according to experience, for example, it can be set for 5 minutes.
  • the cashier scans the item that the user needs to purchase, and the payment terminal submits a payment request, and the payment request may include a payment amount to be paid, and the payment amount to be paid is used for the amount to be deducted from the user's bank card at the time of payment. .
  • step 402 after the user terminal receives the first verification code returned by the payment server, the payment terminal needs to automatically collect the face of the user to be paid, and automatically collect the face image information of the user to be paid, the user to be paid Face image information can be used for face recognition.
  • the face image information of the user to be paid can be automatically collected by a camera or other face image information collecting device.
  • the receiving terminal sends the automatically collected face image information of the user to be paid to the payment server, and the receiving server receives the face image information of the user to be paid automatically collected by the receiving terminal.
  • step 403 after the payment server receives the face image information of the user to be paid automatically collected by the payment terminal, the face image information of the user to be paid is matched with the face image information in the face image library. . If the face image information of the user to be paid matches the face image information in the face image library successfully, the identity of the user to be paid is confirmed, and the payment server can obtain the payment account and the user terminal number of the user to be paid. Otherwise, the payment receiving terminal is notified to continue collecting the face image information of the user to be paid. If the number of times exceeds the preset number of times and the matching cannot be successful, the user to be paid is indicated. Unable to pass the verification, the payment cannot be made, and the security of the user's bank card is guaranteed.
  • step 404 when the payment server determines in step 403 that the face image information of the user to be paid matches the face image information in the face image library, the payment server acquires the payment account bound by the user to be paid and the payment to be paid. The payment amount, and instruct the receiving terminal to prompt the user that a verification code needs to be input.
  • step 405 the user to be paid inputs a second verification code at the receiving terminal, that is, the POS machine, according to the first verification code received by the user terminal.
  • the payment terminal sends the second verification code input by the user to be paid to the collection server, and the collection server receives the second verification code input by the payment terminal and the user input to be paid.
  • step 406 the payment server determines whether the second verification code input by the user to be paid is consistent with the first verification code. If they are consistent, the identity of the user to be paid can be confirmed, and the identity of the user to be paid is further verified. The security of bank card information. Otherwise, the payment terminal needs to be notified to continue to obtain the second verification code input by the user to be paid. If the second verification code is obtained after the predetermined number of times, the payment is determined.
  • step 407 after the payment server determines in step 406 that the second verification code is consistent with the first verification code, the payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment.
  • the payment notice includes the payment amount to be paid and the payment account of the user to be paid.
  • the payment verification code is sent to the mobile phone in the form of a short message.
  • the user inputs information such as name and mobile phone number through the receiving terminal of the supermarket, collects facial image information, and sends it to the background system for encrypted storage to establish a member file. Then, the payment terminal binds the bank card information, swipes the password, sends the password to the receiving server through secure communication, and submits the card issuing bank for verification, and completes the binding of the bank card information.
  • information such as name and mobile phone number
  • the payment terminal binds the bank card information, swipes the password, sends the password to the receiving server through secure communication, and submits the card issuing bank for verification, and completes the binding of the bank card information.
  • the cashier scans the goods and submits the payment request, and the collection terminal automatically collects the user face image information, and sends the automatically collected face image information.
  • the collection server performs the comparison, and after confirming the identity of the user, the collection service
  • the device randomly generates a payment verification code and sends a text message to the user's mobile phone, which includes information such as a payment verification code and a transaction amount.
  • the user enters the verification code on the payment terminal, and the payment terminal sends the input verification code to the collection server for verification, and the payment server verifies the verification code and then notifies the bank card.
  • the issuing bank performs a deduction to complete the transaction.
  • the user needs to download the mobile payment management application, register the supermarket member through the application in the mobile phone, verify the mobile phone number, create a member profile, and generate a user ID. Then, the face image is collected at the collection terminal of the supermarket, bound with the user ID, and sent to the background for secure storage through secure communication. Finally, the payment terminal binds the bank card information, swipes the password, sends it to the background through secure communication, and submits it to the sending card bank for verification, and completes the binding of the bank card information.
  • the application in the mobile phone is opened, and the random verification code is requested from the receiving server, and after receiving the random verification code sent by the receiving server, the payment is made before the receiving terminal.
  • the cashier scans the merchandise and submits the payment request.
  • the receiving terminal automatically collects the user's face image information, and sends the automatically collected facial image information to the collection server for comparison.
  • the user is on the receiving terminal.
  • the verification code is input, and the payment terminal sends the input verification code to the collection server for verification, and the payment server completes the transaction after the verification code passes.
  • FIG. 5 shows a structure of a payment apparatus provided by an embodiment of the present invention, which can execute a payment process.
  • the device specifically includes:
  • the first receiving unit 501 is configured to receive a payment request sent by the payment terminal, where the payment request includes a payment amount to be paid;
  • the second receiving unit 502 is configured to receive face image information of the user to be paid automatically collected by the payment terminal;
  • a determining unit 503 configured to determine whether the face image information of the user to be paid matches the face image information in the face image library
  • the sending unit 504 is configured to: if the face image information of the user to be paid and the person in the face image library If the face image information is matched, the payment account and the user terminal number of the user to be paid are obtained, and the first verification code is sent to the user terminal of the user to be paid according to the user terminal number;
  • the third receiving unit 505 is configured to receive a second verification code that is sent by the payment receiving terminal and is input by the user to be paid;
  • the determining unit 506 is configured to determine whether the second verification code is consistent with the first verification code.
  • the payment unit 507 is configured to send a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment, where the payment notification includes the payment amount to be paid and the payment account of the user to be paid.
  • the sending unit 504 is specifically configured to:
  • the method further includes: a fourth receiving unit (not shown) and a storage unit (not shown);
  • the registration information Before receiving the payment request sent by the payment terminal, receiving user registration information, where the registration information includes a user ID, a payment account bound to the user ID, a user terminal number bound to the user ID, and a group N face of the user. Picture information, N is greater than or equal to 1;
  • the storage unit is specifically configured to store the registration information of the user.
  • FIG. 6 shows a payment device provided by an embodiment of the present invention, which can execute a payment process.
  • the device specifically includes:
  • the first receiving unit 601 is configured to receive a verification code request sent by the user terminal of the user to be paid, and send a first verification code to the user terminal of the user to be paid according to the verification code request;
  • the second receiving unit 602 is configured to receive face image information of the user to be paid automatically collected by the payment terminal;
  • a determining unit 603 configured to determine whether the face image information of the user to be paid matches the face image information in the face image library
  • the obtaining unit 604 if the face image information of the user to be paid matches the face image information in the face image library, obtain the payment account of the user to be paid and the payment amount to be paid;
  • the third receiving unit 605 is configured to receive a second verification code that is sent by the payment receiving terminal and is input by the user to be paid;
  • the determining unit 606 is configured to determine whether the second verification code is consistent with the first verification code.
  • the payment unit 607 is configured to send a payment notification to the account management party corresponding to the payment account of the to-be-paid user to complete the payment, where the payment notification includes the payment amount to be paid and the payment account of the user to be paid.
  • an embodiment of the present invention provides a payment device. At least one processor; and a memory communicatively coupled to the at least one processor; the memory storing instructions executable by the at least one processor, the instructions being executed by the at least one processor such that The at least one processor is capable of executing the payment method in the above embodiments.
  • FIG. 7 is a structure of a payment device according to an embodiment of the present invention.
  • the payment device 700 includes a transceiver 701, a processor 702, a memory 703, and a bus system 704.
  • the memory 703 is used to store a program.
  • the program can include program code, the program code including computer operating instructions.
  • the memory 703 may be a random access memory (RAM) or a non-volatile memory such as at least one disk storage. Only one memory is shown in the figure, of course, the memory can also be set to a plurality as needed. Memory 703 can also be a memory in processor 702.
  • the memory 703 stores the following elements, executable modules or data structures, or a subset thereof, or an extended set thereof:
  • Operation instructions include various operation instructions for implementing various operations.
  • Operating system Includes a variety of system programs for implementing various basic services and handling hardware-based tasks.
  • Processor 702 may be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the above payment method may pass through the integration logic of the hardware in the processor 702. Instructions in the form of circuits or software are completed.
  • the processor 702 described above may be a general purpose processor, a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic device, a discrete gate or transistor logic device, or discrete hardware. Component.
  • DSP digital signal processor
  • ASIC application specific integrated circuit
  • FPGA field programmable gate array
  • the general purpose processor may be a microprocessor or the processor or any conventional processor or the like.
  • the steps of the method disclosed in the embodiments of the present invention may be directly implemented as a hardware decoding processor, or may be performed by a combination of hardware and software modules in the decoding processor.
  • the software module can be located in a conventional storage medium such as random access memory, flash memory, read only memory, programmable read only memory or electrically erasable programmable memory, registers, and the like.
  • the storage medium is located in the memory 703, and the processor 702 reads the information in the memory 703 and performs the following steps in conjunction with its hardware:
  • the transceiver 701 is configured to receive a payment request sent by the payment terminal, where the payment request includes a payment amount to be paid; and receive face image information of the user to be paid automatically collected by the collection terminal;
  • the processor 702 is configured to determine whether the face image information of the user to be paid matches the face image information in the face image library;
  • the transceiver 701 is further configured to: if the face image information of the user to be paid matches the face image information in the face image library, obtain the payment account number and the user terminal number of the user to be paid, and according to the Transmitting a first verification code to the user terminal of the user to be paid; receiving a second verification code input by the user of the payment to be paid by the user;
  • the processor 702 is further configured to determine whether the second verification code is consistent with the first verification code, and send a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment, where the payment is performed.
  • the notification includes the payment amount to be paid and the payment account of the user to be paid.
  • the transceiver 701 is specifically configured to:
  • the transceiver 701 is further configured to: before receiving the payment request sent by the payment terminal, receiving the user registration information, where the registration information includes a user ID, a payment account bound to the user ID, The user terminal number bound to the user ID and the N group face image information of the user, where N is greater than or equal to 1;
  • the memory 703 is configured to store registration information of the user.
  • an embodiment of the present invention provides a payment device. At least one processor; and a memory communicatively coupled to the at least one processor; the memory storing instructions executable by the at least one processor, the instructions being executed by the at least one processor such that The at least one processor is capable of executing the payment method in the above embodiments.
  • FIG. 8 is a structure of a payment device according to an embodiment of the present invention.
  • the payment device 800 includes a transceiver 801, a processor 802, a memory 803, and a bus system 804.
  • the memory 803 is used to store a program.
  • the program can include program code, the program code including computer operating instructions.
  • the memory 803 may be a random access memory (RAM) or a non-volatile memory, such as at least one disk storage. Only one memory is shown in the figure, of course, the memory can also be set to a plurality as needed. Memory 803 can also be a memory in processor 802.
  • the memory 803 stores the following elements, executable modules or data structures, or a subset thereof, or an extended set thereof:
  • Operation instructions include various operation instructions for implementing various operations.
  • Operating system Includes a variety of system programs for implementing various basic services and handling hardware-based tasks.
  • Processor 802 may be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the foregoing payment method may be completed by an integrated logic circuit of hardware in the processor 802 or an instruction in a form of software.
  • the processor 802 described above may be a general purpose processor, a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic device, a discrete gate or transistor logic device, or discrete hardware. Component.
  • DSP digital signal processor
  • ASIC application specific integrated circuit
  • FPGA field programmable gate array
  • the general purpose processor may be a microprocessor or the processor or any conventional processor or the like.
  • the steps of the method disclosed in connection with the embodiments of the present invention may be directly implemented as a hardware decoding processor, or The completion is performed by a combination of hardware and software modules in the decoding processor.
  • the software module can be located in a conventional storage medium such as random access memory, flash memory, read only memory, programmable read only memory or electrically erasable programmable memory, registers, and the like.
  • the storage medium is located in the memory 803, and the processor 802 reads the information in the memory 803 and performs the following steps in conjunction with its hardware:
  • the transceiver 801 is configured to receive a verification code request sent by a user terminal of a user to be paid, and send a first verification code to the user terminal of the user to be paid according to the verification code request; and receive the automatic collection by the payment terminal. Face image information of the user to be paid;
  • the processor 802 is configured to determine whether the face image information of the user to be paid matches the face image information in the face image library;
  • the transceiver 801 is further configured to: if the face image information of the user to be paid matches the face image information in the face image library, obtain the payment account of the user to be paid and the payment amount to be paid; a second verification code input by the payment terminal to be paid by the user;
  • the processor 802 is further configured to determine whether the second verification code is consistent with the first verification code, and send a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment, where the payment is performed.
  • the notification includes the payment amount to be paid and the payment account of the user to be paid.
  • the foregoing storage medium includes: a U disk, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk, and the like. .
  • the present invention provides a non-transitory computer readable storage medium storing computer instructions for causing the computer to perform the payment of any of the above method.
  • the present invention also provides a computer program product, the computer program product comprising the A computing program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions that, when executed by a computer, cause the computer to perform the payment method of any of the above.
  • the computer program instructions can also be stored in a computer readable memory that can direct a computer or other programmable data processing device to operate in a particular manner, such that the instructions stored in the computer readable memory produce an article of manufacture comprising the instruction device.
  • the apparatus implements the functions specified in one or more blocks of a flow or a flow and/or block diagram of the flowchart.
  • These computer program instructions can also be loaded onto a computer or other programmable data processing device such that a series of operational steps are performed on a computer or other programmable device to produce computer-implemented processing for execution on a computer or other programmable device.
  • the instructions provide steps for implementing the functions specified in one or more of the flow or in a block or blocks of a flow diagram.

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Abstract

L'invention concerne un procédé, un dispositif et un appareil de paiement, le procédé comprenant les opérations suivantes : un serveur de collecte de taxe reçoit une requête de paiement à partir d'un terminal de collecte de taxe (101) ; le serveur de collecte de taxe reçoit des informations d'image faciale pour un utilisateur réalisant un paiement à partir d'un terminal de collecte de taxe (102) ; déterminer si les informations d'image faciale de l'utilisateur réalisant le paiement correspondent à des informations d'image faciale dans une base de données d'images faciales (103) ; si les informations correspondent, alors envoyer un premier code de vérification à un terminal utilisateur de l'utilisateur réalisant le paiement (104) ; recevoir un second code de vérification entré par l'utilisateur réalisant le paiement (105) ; déterminer si le second code de vérification et le premier code de vérification sont cohérents (106) ; et si les codes sont cohérents, alors envoyer une notification de paiement à un gestionnaire de compte correspondant à un compte de paiement de l'utilisateur réalisant le paiement pour effectuer le paiement (107). L'invention utilise une double vérification de reconnaissance faciale et des codes de vérification pour garantir la sécurité d'un paiement d'utilisateur. Après la vérification d'informations faciales, un code de vérification est utilisé pour une vérification pour traiter un problème d'erreurs de reconnaissance faciale et pour renforcer la sécurité de paiement. Le procédé nécessite uniquement la reconnaissance faciale et l'entrée d'un code de vérification, et se passe d'actions de glissement de carte et d'entrée de mot de passe complexes pour améliorer la commodité et l'expérience d'utilisateur.
PCT/CN2017/073494 2016-02-29 2017-02-14 Procédé, dispositif et appareil de paiement Ceased WO2017148258A1 (fr)

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CN110827031A (zh) * 2019-09-23 2020-02-21 深圳供电局有限公司 一种人脸识别缴费方法及系统
CN110738500A (zh) * 2019-09-29 2020-01-31 湖北三六五优米网络有限公司 无感刷脸支付系统、方法、服务器及介质
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CN110969434A (zh) * 2019-11-29 2020-04-07 维沃移动通信有限公司 支付方法、服务器、终端及系统
CN113537992A (zh) * 2020-04-15 2021-10-22 阿里巴巴集团控股有限公司 用户权益信息推送方法、终端设备和服务器
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CN114331449B (zh) * 2020-10-09 2024-02-02 腾讯科技（深圳）有限公司 人脸支付方法、装置和设备及计算机存储介质
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CN115099801A (zh) * 2022-06-28 2022-09-23 中国银行股份有限公司 基于公有云的缴费信息处理方法及装置
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CN118297600A (zh) * 2024-05-29 2024-07-05 快捷通支付服务有限公司 对用户进行支付身份验证的方法、设备、介质及程序产品

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