Payment method and device, equipment and medium

[0025] Example one

[0026] Figure 1a This is a schematic diagram of the structure of a POS machine provided in the first embodiment of the present invention. The embodiment of the present invention can be executed on the POS machine. Those skilled in the art should know that the above-mentioned POS machine is only a schematic diagram and does not represent all implementations of this solution. POS machine.

[0027] Figure 1b This is a schematic flow diagram of a payment method provided in the first embodiment of the present invention. This embodiment is applicable to the case of using a POS machine to pay for goods. The method can be executed by a payment device, which can adopt software and/or hardware. Realization, and can be integrated in electronic equipment, specifically including the following steps:

[0028] S110. In response to the face payment request sent by the POS machine, return an instruction to obtain a face image for the face payment request, so that the POS machine can obtain the face image through the camera of the external device.

[0029] In the embodiment of the present invention, the face payment request is obtained by the user operating on the POS machine. When the POS machine enters the payment process, it will display multiple payment methods. Illustratively, the bank card payment is displayed on the POS machine. QR code payment or face scan payment. The external device in the embodiment of the present invention refers to an electronic device capable of recognizing facial images, specifically, it may be a tablet computer, a camera, or an electronic device carrying a camera. When the user chooses to pay by scanning the face, the POS machine sends a face payment request message to the server, the server returns the instruction to obtain the face image in the face payment request to the POS machine, and the POS machine sends the above instruction to obtain the face image to the external device. Device so that the camera of the external device can obtain the face image.

[0030] In this technical solution, optionally, the external device and the POS machine are connected through a wired connection or through wireless near field communication. The wired connection can be to connect the external device with the POS machine through a data cable, and the wireless near field communication connection is through the near field communication technology, which is developed based on the non-contact radio frequency identification technology and the wireless interconnection technology. Among them, the near field refers to the radio waves near the electromagnetic field, because the radio waves are actually electromagnetic waves. Through the short-distance communication between the magnetic fields, the connection between the POS machine and the external device is realized. Further, the external device and the POS machine can also be connected via Bluetooth or via the same local area network.

[0031] S120. Receive a face image uploaded by the POS machine, and compare the face image with a pre-built face database to determine a target transaction account bound to the face image.

[0032] Wherein, the face database includes binding data of a face image and at least one transaction account.

[0033] In the embodiment of the present invention, the pre-built face database is a database storing face images of different users, and at least one transaction account is also stored therein, and the transaction account refers to data of a bank card number or a payment account number. After acquiring the user's face image through an external device, the face image is sent to the POS machine and uploaded to the server by the POS machine. The server compares the uploaded face image with the face image in the pre-built face database Yes, when the image information consistent with the uploaded face image is found, the target trading account bound to the face image is determined.

[0034] S130: According to the target transaction account and the payment content request uploaded by the POS machine, complete the transaction operation, and return the transaction result to the POS machine.

[0035] In the embodiment of the present invention, the payment content request refers to the transaction amount and specific information of the transaction product input by the user through the POS machine. The POS machine sends the payment content request to the server, and the server deducts the payment from the target transaction account to complete the transaction. Operate and return the transaction result to the POS machine.

[0036] In this technical solution, optionally, the transaction result is returned to the POS machine for the POS machine to return the transaction result to the external device, so that the external device can display the transaction result on the display.

[0037] In this embodiment, the transaction result can be displayed as "this transaction has been completed, and display the goods and transaction amount of the transaction." After the server completes the transaction, the transaction result is returned to the POS machine and the transaction result is displayed on the external device Displayed on the monitor for the user to verify.

[0038] In the embodiment of the present invention, in response to a face payment request sent by a POS machine, an instruction to obtain a face image for the face payment request is returned, so that the POS machine can obtain a face image through a camera of an external device;

[0039] The face image uploaded by the POS machine is received, and the face image is compared with a pre-built face database to determine the target transaction account bound to the face image; wherein the face database includes a person The face image is bound to the data of at least one transaction account; according to the target transaction account and the payment content request uploaded by the POS machine, the transaction operation is completed, and the transaction result is returned to the POS machine, so as to achieve a low-cost basis to enable POS The machine supports the purpose of multiple payment methods.

[0040] Example two

[0041] Figure 2a This is a schematic flow diagram of a payment method provided in the second embodiment of the present invention. This embodiment is applicable to the case of using a POS machine to pay for goods. The method can be executed by a payment device, which can adopt software and/or hardware. It can be implemented and can be integrated in electronic equipment. The embodiment of the present invention further describes the face payment process in detail on the basis of the above-mentioned embodiment, and specifically includes the following steps:

[0042] S210. In response to the face payment request sent by the POS machine, return an instruction to obtain a face image for the face payment request, so that the POS machine can obtain the face image through the camera of the external device.

[0043] In this technical solution, optionally, before responding to the face payment request initiated by the POS machine, the method further includes:

[0044] Respond to the face payment function configuration request sent by the POS machine;

[0045] Sending a face payment function verification instruction to the POS machine, and receiving verification information returned by the POS machine;

[0046] If the verification information meets the verification standard, the POS machine is configured with a face payment function.

[0047] In this embodiment, the facial payment function configuration request refers to adding the facial payment function to the POS machine. When the user chooses facial payment in the POS machine, the POS machine sends a facial payment function configuration request to the server, and the server returns the facial payment function verification instruction to the POS machine. The user verifies at the POS machine. Specifically, it can be Select the authorized face payment function in the POS machine, enter the preset password, and send this verification message to the server for verification. After the verification is passed, the POS machine is configured with the face payment function. Specifically, see Figure 2b A schematic diagram of the structure of the POS machine interface display shown in. In this interface, users can select options such as face payment, view transaction results, authorize face payment functions, and cancel transactions.

[0048] S220: Receive a face image uploaded by the POS machine, and compare the face image with a pre-built face database.

[0049] S230: Determine whether the comparison is successful.

[0050] If yes, execute S240; if not, execute S260.

[0051] S240: Determine the target transaction account bound to the face image.

[0052] Wherein, the face database includes binding data of a face image and at least one transaction account.

[0053] S250: Complete the transaction operation according to the target transaction account and the payment content request uploaded by the POS machine, and return the transaction result to the POS machine.

[0054] S260. If the comparison fails, send an instruction to reacquire the face image to the POS machine, so that the POS machine can obtain the face image through the camera of the external device again; and re-compile the face image with the pre-built face database. Comparison.

[0055] In this embodiment, if the face image to be compared is not found in the face database pre-built by the server, and the comparison fails, the server resends the instruction to obtain the face image to the POS machine, and the external device connected to the POS machine The device reacquires the face image. The user will be prompted to move the face to the left or right during the acquisition of the face image, and the user can also be prompted to nod to obtain the image of the user’s forehead and jaw. It is assumed that the acquisition is performed within a time period. For example, the preset time is 60S. When a new face image is obtained, the new face image is sent to a pre-built face database for comparison. If the comparison is successful, the bound trading account will be deducted. Optionally, if the number of comparison failures exceeds the preset number of times, the transaction is terminated. Illustratively, the preset number of times may be 3 times.

[0056] S270: Determine whether the comparison is successful within a preset number of times.

[0057] If yes, execute S250; if not, execute S280.

[0058] S280. Exit the transaction.

[0059] In the embodiment of the present invention, by configuring the facial payment function in the POS machine and setting the number and time of facial payment, the POS machine can realize facial payment and diversify the payment function of the POS machine.

[0060] Example three

[0061] image 3 This is a schematic structural diagram of a payment device provided in Embodiment 3 of the present invention. A payment device provided in an embodiment of the present invention can execute a payment method provided in any embodiment of the present invention, and has functional modules and beneficial effects corresponding to the execution method. Such as image 3 As shown, the device includes:

[0062] The facial image acquisition module 301 is configured to respond to the facial payment request sent by the POS machine, and return an instruction to acquire the facial image for the facial payment request, for the POS machine to acquire the facial image through the camera of the external device;

[0063] The target transaction account determination module 302 is configured to receive the face image uploaded by the POS machine, and compare the face image with a pre-built face database to determine the target transaction account bound to the face image; , The face database includes binding data of a face image and at least one transaction account;

[0064] The transaction operation completion module 303 is used to complete the transaction operation according to the target transaction account and the payment content request uploaded by the POS machine, and return the transaction result to the POS machine.

[0065] The device also includes: a transaction result return module, which is used to return the transaction result to the POS machine, for the POS machine to return the transaction result to the external device, so that the external device displays the transaction result on the display.

[0066] The external device and the POS machine are connected through a wired connection or through wireless near field communication.

[0067] The device also includes:

[0068] The face image reacquisition module is used to send an instruction to reacquire the face image to the POS machine if the comparison fails, so that the POS machine can obtain the face image through the camera of the external device again;

[0069] The face image is compared with the pre-built face database again.

[0070] The face image acquisition module is specifically used to terminate the transaction if the number of comparison failures exceeds the preset number of times.

[0071] The device also includes:

[0072] The face payment configuration module is used to respond to the face payment function configuration request sent by the POS machine;

[0073] Sending a face payment function verification instruction to the POS machine, and receiving verification information returned by the POS machine;

[0074] If the verification information meets the verification standard, the POS machine is configured with a face payment function.

[0075] Those skilled in the art can clearly understand that, for the convenience and conciseness of description, the specific working process of the device described above can refer to the corresponding process in the foregoing method embodiment, which will not be repeated here.