An integrated system for mobile payment, identity verification, and no-license verification

Abstract

The present invention relates to the technical field of artificial intelligence terminals, and discloses an integrated system of mobile payment, identity verification, and undocumented verification, including an identity card reading unit, a camera unit, an encryption chip, a mobile payment program module, an identity verification program module, and an undocumented verification program module. Users conduct identity verification or undocumented verification through the integrated system. During the verification process, the user's identity information is hard-encrypted by an encryption chip to prevent information leakage or intrusion into the integrated system. After the verification is successful, the user can self-register, query orders, and complete order payment through mobile payment methods such as WeChat face recognition. The integrated system integrates the functions of identity verification, undocumented verification, and mobile payment. Users can conveniently conduct identity verification, undocumented verification, order query, and payment by themselves through the integrated system, and personal identity information is encrypted with an encryption chip, reducing the security risks of personal information leakage.

Description

Technical Field

[0001] The patent of this invention relates to the technical field of artificial intelligence terminals, specifically, to an integrated system of mobile payment, identity verification, and undocumented verification. Background Art

[0002] Under the complex public security situation, how to quickly determine the identity of people plays an important role in ensuring social public security. With the popularization of the second-generation resident ID card, relevant national departments have issued relevant requirements for real-name authentication, making identity verification necessary in many scenarios. According to public security management regulations, hotels, guesthouses, hostels, homestays, online booking rooms, daily rental rooms, bathing centers that provide accommodation and other accommodation places need to register passengers' identity documents information truthfully, completely, promptly and effectively; banks, industrial and commercial registration changes, telecom, mobile and Unicom and other places that require real-name authentication, for passengers who do not carry valid identity documents, need to go to the local police station to issue relevant certificates, which is time-consuming and labor-intensive, affecting business.

[0003] In the prior art, when checking in at a hotel, many hotel front desks do not conduct professional identity verification. At most, the waiter will just take a look at the ID card and that's it, and the accuracy of the identity verification of the cardholder cannot be guaranteed. Some hotels usually have ID card reading equipment to read the guest's ID card information, and also need to use a camera to take the guest's head portrait for person-ID verification and comparison. After successful verification, the hotel front desk will handle the check-in registration. Some places also provide undocumented verification services. Guests use their mobile phones to scan the QR code of the local public security system displayed by the hotel, enter their name, ID number and other information, and then take a head portrait and upload it. The public security system will verify the identity of the undocumented guest, and after successful verification, they will go through the check-in procedures at the hotel front desk with the verification code fed back by the public security system. When checking in, guests can pay the check-in fee by swiping a card, presenting a WeChat payment code or an Alipay payment code.

[0004] In the process of existing technologies for identity verification, identity verification, and fee payment, multiple devices such as identity card readers, cameras, mobile phones, card readers, and QR code scanning payment devices are needed to be used in coordination. The assistance of service personnel is also required, which is inconvenient to use and there are certain security risks to personal information security. Summary of the invention

[0005] The purpose of the present invention is to provide an integrated system of mobile payment, identity verification and undocumented verification, aiming to solve the problems in the prior art that verification and payment require too much equipment, are inconvenient to use, and pose a potential risk to personal information security.

[0006] The present invention is implemented as follows: a mobile payment, identity verification, and undocumented verification integrated system includes an identity card reading unit, a camera unit, an encryption chip, a mobile payment program module, an identity verification program module, and an undocumented verification program module; wherein,

[0007] When performing the person-document verification, the person-document verification program module is started, and the steps are as follows:

[0008] The integrated system receives the user identity information obtained from the certificate reading unit, encrypts the user identity information through the encryption chip and uploads it to the security server;

[0009] The integrated system receives user portrait information taken by the camera unit and uploads the user portrait information to the security server;

[0010] After the security server decrypts the user identity information, the decrypted user identity information and the user portrait information are uploaded to the public security server system via a dedicated network for verification, and the information of successful or unsuccessful verification is returned to the security server and then transmitted to the integrated system;

[0011] When performing unlicensed verification, the unlicensed verification program module is started, and the steps are as follows:

[0012] The integrated system receives user identity information input by the user, encrypts the user identity information through the encryption chip, and then uploads it to the security server;

[0013] The integrated system receives user portrait information taken by the camera unit and uploads the user portrait information to the security server;

[0014] After the security server decrypts the user identity information, the decrypted user identity information and the user portrait information are uploaded to the public security server system via a dedicated network for verification, and the information of successful or unsuccessful verification is returned to the security server and then transmitted to the integrated system;

[0015] After receiving the information of successful identity verification or no identity verification, the integrated system transmits the user identity information to the business system. If the user order has not been paid, the user's order payment is completed through the mobile payment program module.

[0016] Furthermore, the user identity information is encrypted by the encryption chip and then uploaded to the security server, including: obtaining multiple key factors to generate a key and storing it in the encryption chip, the encryption chip encrypts the user identity information according to the key to obtain encrypted identity information, and the encrypted identity information and the key are uploaded to the security server; the security server decrypts the encrypted identity information according to the key.

[0017] Furthermore, the user portrait information is encrypted by the encryption chip and then uploaded to the security server.

[0018] Furthermore, the security server is a cloud service platform based on basic cryptographic equipment and public security, including a key management system and an Internet cloud server, and the key management system is used to encrypt or decrypt data storage or transmission of the Internet cloud server.

[0019] Furthermore, the camera unit adopts a binocular camera or a 3D structured light camera.

[0020] Furthermore, during the undocumented verification, the integrated system receives user identity information input by the user, including: the user enters the user name and ID number on the display screen of the integrated system, or enters the user name and ID number by voice.

[0021] Furthermore, the mobile payment program module is one or more of WeChat face payment, aggregate payment, and Alipay payment.

[0022] Furthermore, after the identity verification or the absence of identity verification is successful, the integrated system handles registration or admission for the user and issues a registration or admission certificate.

[0023] Furthermore, during the process of identity verification or identity verification, the location information of the integrated system is uploaded to the public security server system via the security server.

[0024] Furthermore, after registration or admission is processed for the user, the user portrait information is stored in a registered user portrait library of the business system.

[0025] Compared with the prior art, the integrated system of mobile payment, identity verification and no-document verification provided by the present invention integrates the functions of identity verification, no-document verification and mobile payment. Through the integrated system, users can conveniently perform identity verification, no-document verification, order inquiry and payment by themselves, and personal identity information is encrypted with an encryption chip, reducing the security risk of personal information leakage. BRIEF DESCRIPTION OF THE DRAWINGS

[0026] Figure 1This is a flow chart of a mobile payment, identity verification, and no-license verification integrated system provided by the present invention;

[0027] Figure 2 It is a three-dimensional schematic diagram of a mobile payment, person-document verification, and no-document verification integrated system provided by the present invention. DETAILED DESCRIPTION

[0028] In order to make the purpose, technical solution and advantages of the present invention more clearly understood, the present invention is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present invention and are not intended to limit the present invention.

[0029] The implementation of the present invention is described in detail below in conjunction with specific embodiments.

[0030] The same or similar numbers in the drawings of this embodiment correspond to the same or similar parts; in the description of the present invention, it should be understood that if the terms "upper", "lower", "left", "right" and the like indicate directions or positional relationships based on the directions or positional relationships shown in the drawings, it is only for the convenience of describing the present invention and simplifying the description, rather than indicating or implying that the device or element referred to must have a specific direction, be constructed and operated in a specific direction. Therefore, the terms describing the positional relationship in the drawings are only used for illustrative purposes and cannot be understood as limitations on this patent. For ordinary technicians in this field, the specific meanings of the above terms can be understood according to specific circumstances.

[0031] Reference Figure 1-2 The figure shows a preferred embodiment of the present invention.

[0032] A mobile payment, identity verification and undocumented verification integrated system comprises an identity card reading unit 1, a camera unit 2, an encryption chip, a mobile payment program module, an identity verification program module and an undocumented verification program module.

[0033] The document reading unit 1 is used to read document information, such as an identity card, a medical insurance / social security card, an access card, etc. The document reading unit 1 can be a near field communication (NFC) module. For example, the NFC module can be implemented based on radio frequency identification (RFID) technology, infrared data association (IrDA) technology, ultra-wideband (UWB) technology, Bluetooth (BT) technology and other technologies. The document reading unit 1 can be set on the base to facilitate the placement of the document. According to different usage scenarios to facilitate the needs of users or other considerations, the document reading unit can also be set on the back of the display screen 3 or other suitable positions.

[0034] When the user presses the prompt on the display screen 3 of the integrated system to select the person-ID verification, the person-ID verification program module is started, and the user places the ID card on the ID card reading unit 1. After the user's ID card information is read, it is encrypted by the encryption chip and then uploaded to the security server. The encryption chip can use the Zhongyitong VEB A3 encryption chip or VEB A5 encryption chip with the national secret level 2 certification. The encryption chip is used to hard encrypt the user's ID card information, so that the user's information is not easy to leak, and the encryption chip is not easy to be cracked compared with the soft encryption of software encryption.

[0035] The display screen 3 of the integrated system prompts the user to perform face recognition, and the camera unit 2 takes a photo of the user, and displays the user's head portrait in the area set on the display screen 3. When displaying the head portrait, a dotted frame, a circular frame, or a square frame can be displayed at the same time to prompt the user to display the head portrait completely in the dotted frame, circular frame, square frame, etc. The area set is convenient for the user to adjust the angle and distance of the photo, so as to obtain a more appropriate and complete user head portrait information, and the user head portrait information is also uploaded to the security server. Alternatively, the user head portrait information can also be encrypted by an encryption chip and uploaded to the security server.

[0036] After the security server decrypts the user identity information and / or user portrait information, the decrypted user identity information and user portrait information are uploaded to the public security server system via a dedicated network for verification. In the public security server system, the user's ID card photo can be queried based on the user's name and ID number. The user's portrait information is compared with the user's ID card photo in the public security server system. If the user's portrait information is consistent with the user's ID card photo in the public security server system, the person-document verification is successful; otherwise, the person-document verification is unsuccessful. The information on successful or unsuccessful person-document verification is returned to the security server and then transmitted to the integrated system. If the person-document verification is successful, the display screen 3 prompts that the person-document verification is successful; if the person-document verification is unsuccessful, the display screen 3 prompts that it is not the person himself, or the display screen 3 prompts whether to re-verify the person-document verification or verify without a certificate.

[0037] If the user does not bring his / her ID card, the user can perform the undocumented verification and start the undocumented verification program module. The user can enter his / her name and ID card number by handwriting in the corresponding prompt box on the display screen 3 of the integrated system, or can enter his / her name and ID card number by voice. The integrated system encrypts the user's name and ID card number through the encryption chip and uploads it to the security server.

[0038] The display screen 3 of the integrated system prompts the user to perform face recognition, and the camera unit 2 takes a photo of the user, and displays the user's head portrait in the area set on the display screen 3. When displaying the head portrait, a dotted frame, a circular frame, a square frame, etc. can be displayed at the same time to prompt the user to display the head portrait completely in the dotted frame, circular frame, square frame, etc. set area, so that the user can adjust the angle and distance of the photo, so as to obtain more appropriate and complete user head portrait information, and the user head portrait information is also uploaded to the security server. Alternatively, the user head portrait information can also be encrypted by the encryption chip and uploaded to the security server.

[0039] After the security server decrypts the user identity information and / or user avatar information, the decrypted user identity information and user avatar information are uploaded to the public security server system via a dedicated network for verification. In the public security server system, the user's ID card photo can be queried according to the user's name and ID card number. The user's avatar information is compared with the user's ID card photo in the public security server system. If the user's avatar information is consistent with the user's ID card photo in the public security server system, the person-to-person verification is successful; otherwise, the person-to-person verification is unsuccessful. The information of successful or unsuccessful person-to-person verification is returned to the security server and then transmitted to the integrated system. If the person-to-person verification is successful, the display screen 3 prompts that the person-to-person verification is successful; if the person-to-person verification is unsuccessful, the display screen 3 prompts that it is not the person himself, or prompts whether to re-verify the person-to-person verification or undocumented verification on the display screen 3. Undocumented verification allows users to complete identity verification conveniently and self-service even if they do not bring their ID cards, avoiding the trouble of going to the local police station to issue identity certificates, and does not require the assistance of service personnel, security personnel, and police personnel, greatly saving manpower.

[0040] After receiving the information of successful person-document verification or undocumented verification, the integrated system transmits the user identity information to the business system, such as the hotel's business management system, and inquires the user's reservation order in the business system and registers the user for check-in, and displays the user's order information and registration status in the integrated system; if the user has not made a reservation in advance, then the process of entering the business system to create a new order is used to register the user. If the user's reservation order or new order has not been paid, the user is prompted to pay for the order. The user can choose WeChat face payment, aggregate payment, Alipay payment and other mobile payment methods to complete the order payment according to the prompts on the display screen 3. WeChat scan code payment and Alipay scan code payment are already very common. In the application of aggregate payment methods, using WeChat or Alipay to scan a QR code to pay avoids the embarrassment of misusing WeChat to scan Alipay payment code and misusing Alipay to scan WeChat payment code, and is more convenient to use. If WeChat face payment is used, the payment of the order can be completed even if the user does not bring a mobile phone. Even if the user does not bring an ID card and a mobile phone, he can also conveniently handle identity verification, order query and payment by himself through the integrated system, and reduce the risk of leakage of the user's personal identity information.

[0041] The integrated system of mobile payment, identity verification, and no-document verification in this embodiment integrates the functions of identity verification, no-document verification, and mobile payment. It does not require the cooperation of multiple devices such as identity card reading devices, cameras, mobile phones, card swiping machines, and code scanning payment devices. Users can conveniently perform identity verification, no-document verification, order query and payment by themselves through the integrated system without the intervention of service personnel. In addition, the integrated system encrypts personal identity information with an encryption chip, reducing the security risks of personal information leakage.

[0042] The integrated system encrypts the user identity information through an encryption chip and uploads it to a security server, including: obtaining multiple key factors to generate a key and storing it in the encryption chip, the encryption chip encrypts the user identity information according to the key to obtain encrypted identity information, uploading the encrypted identity information and the key to the security server, and the security server decrypts the encrypted identity information according to the key.

[0043] In this embodiment, the key factors include the encryption and decryption authentication password, the valid fixed information of the intelligent terminal, and the valid fixed information of the encryption chip. The key for encrypting and decrypting the user identity information is obtained through a variety of different key factors, thereby improving the security and reliability of encrypting and decrypting the user identity information. In addition, any identity feature that has the uniqueness of user identification and the uniqueness of terminal equipment can be used as a key factor to form the key.

[0044] In this embodiment, a key is generated by multiple key factors, and the key is stored in an encryption chip; the encryption chip encrypts the user identity information according to the key; the key is obtained from multiple key factors, thereby improving the security performance of encryption and decryption of user identity information, and the encryption process is performed in the encryption chip, which physically isolates illegal access and ensures security during calculations; at the same time, the encryption is calculated in the encryption chip, which occupies less terminal resources and improves the encryption and decryption efficiency of user identity information.

[0045] The security server is a cloud service platform based on basic cryptographic equipment and public security, including a key management system and an Internet cloud server. The key management system is used to encrypt or decrypt the data storage or transmission of the Internet cloud server. The key management system uses a cryptographic machine as a secure hardware infrastructure, providing online and offline management of the key's entire life cycle, including key generation, distribution, update, revocation, recovery, archiving and other functions. It provides a key management API interface and SDK toolkit that supports the national encryption protocol, making it easier to access the business system. The Internet cloud server uses Tencent Cloud Server, which is very convenient to use and maintain, and there is no need to set up an additional server system.

[0046] The camera unit 2 uses a binocular camera or a 3D structured light camera. The camera unit 2 can be set above the display screen 3 to facilitate shooting of the user's face. The camera unit 2 can use a binocular camera, that is, one camera collects visible light photos, and one camera collects near-light photos, recognizes the photographed face, accurately identifies and locates some key feature points such as eyes, ears, and nose, and calculates various spatial information such as pupil distance, nose height, and the distance from eyes to mouth to ears. The calculation error is less than 1mm, which can effectively resist fraud such as photos and videos, and accurately detect whether it is a "living person" or a "real person", ensuring the accuracy of face detection. The camera unit 2 can also use a 3D structured light camera. The 3D structured light camera is a camera based on deep learning structured light algorithm and 3D structured light depth. It can use structured light equipment to simultaneously obtain color, infrared, and depth pictures of the scene, and detect and analyze the faces in the scene to form a 3D face image, and create a face model with facial depth information, to achieve better recognition speed, recognition accuracy and security, and more effectively defend against deception by various props such as photos, masks, and videos, and is not affected by the intensity of ambient light.

[0047] During the undocumented verification, the integrated system receives user identity information input from the user, including: the user inputs the user name and ID number on the display screen 3 of the integrated system, or inputs the user name and ID number by voice.

[0048] A speaker hole or a speaker hole array may also be provided on the housing of the display screen 3, and a dustproof net may also be provided on the speaker hole to prevent dust from entering. Accordingly, a speaker assembly serving as a sound input device is provided in the housing. Generally speaking, the sound input device includes a sound collection circuit (i.e., a microphone), an audio codec, and an input circuit for filtering located between the microphone and the audio codec. The sound input device collects the user's voice information, converts it into digital information and text information, and realizes voice input, sound control, etc.

[0049] When the user is conducting the undocumented verification, he / she shall enter the name and ID number respectively according to the prompts of the display screen 3 of the integrated system. The name may be entered by handwriting input method or pinyin input method, and the ID number may be entered by numeric keyboard or handwriting input method. As conventional handwriting input, pinyin input method, numeric keyboard input and other input methods, it is very convenient for general users to use. The user will know how to accurately enter the name and ID number as soon as the prompts are seen. In order to make it more convenient and quick for users to enter identity information, or to facilitate users who cannot write or are inconvenient to write, the user's name and ID number may also be entered by voice input, such as using iFlytek voice input method to convert voice into text, which is faster and more convenient.

[0050] The mobile payment program module is one or more of WeChat face payment, aggregate payment, and Alipay payment. At present, mobile payment has become very popular. Users can select the mobile payment method according to the prompt of the integrated system display screen 3. The integrated system can provide conventional WeChat payment and Alipay payment methods, and can also provide an aggregate payment that integrates WeChat payment, Alipay payment, UnionPay payment and other third-party payment and point payment. In addition to supporting mainstream cash collection such as WeChat, Alipay, and UnionPay, the aggregate payment channel also supports universal point payment. Customers pay with points without feeling consumption, and merchants can withdraw cash at any time after receiving points. The integrated system only needs to show the collection code of aggregate payment according to the order amount. Users can use WeChat payment, Alipay payment, UnionPay payment and other methods to scan the code to pay, avoiding the embarrassment of misusing Alipay to scan WeChat collection code and misusing WeChat to scan Alipay collection code when paying. The integrated system can also provide a payment method of WeChat face payment. Users do not need to take out their mobile phones. They can complete the payment with one click by face scanning. It is safe, convenient and fast, and the experience is also very good.

[0051] During the process of identity verification or no-license verification, the location information of the integrated system is also uploaded to the public security server system via the security server. The location information of the integrated system actually reflects the location information of the user who is undergoing identity verification or no-license verification. This location information is uploaded to the public security server system via the security server. On the one hand, it is convenient for the public security system to provide timely protection to ordinary users when they encounter dangerous situations. On the other hand, it is convenient for the public security system to locate wanted persons and persons who need to be monitored, and take relevant measures in a timely manner to ensure public safety.

[0052] After the identity verification or the lack of a certificate is successful, the integrated system will register or admit the user and issue a registration or admission certificate. After the identity verification or the lack of a certificate is successful, the user's identity is confirmed and connected to the business system. The integrated system allows users to self-service related registration or admission, such as checking in at a hotel, and provides users with room cards, room keys, check-in permits, etc., which not only improves the efficiency of checking in and saves manpower, but also avoids possible misunderstandings and disagreements between users and service personnel, and at the same time, users' personal privacy is more easily protected.

[0053] After the user registers or accesses through the integrated system, the user's avatar information is stored in the registered user avatar library of the business system. For example, during the user's stay, the user can query his or her check-in information at any time by scanning the face, and can cancel the order, check out, renew the room, etc. through the integrated system by self-service, which is very convenient. When the public security police need to query the identity of the occupant, they can retrieve the avatar information of the occupant from the registered user avatar library in the hotel business system. As a recent photo of the occupant, it has a higher match with the occupant himself or herself, which will be helpful for the work of the public security police. After the user checks out, the user's avatar information can be deleted from the registered user avatar library of the business system at the same time, or transferred to another image library and automatically deleted after a set period of time (such as 3 months). It not only avoids the hidden danger of user information leakage, but also the registered user avatar library will not take up too much storage space, which is convenient for query.

[0054] The integrated system may also have infrared pyroelectric sensors, proximity switches, photoelectric sensors, ultrasonic sensors, microwave sensors, and other sensors for detecting users within a certain distance. For example, when the infrared pyroelectric sensor or proximity switch of the integrated system detects a user, the camera unit 2 is started to shoot the user's head portrait, obtain the user's head portrait information, compare the user's head portrait information with the photos in the registered user head portrait library of the business system, and determine whether the user's head portrait information is in the registered user head portrait library of the business system. If there are photos in the registered user head portrait library of the business system that are consistent with the user's head portrait information, it means that the user has been registered, and the order information of the registered user can be called up and displayed on the display screen 3 of the integrated system, so that the user can query his own order and pay for his order, cancel the order, check out, renew the room, and other related operations. If there is no photo in the registered user head portrait library of the business system that is consistent with the user's head portrait information, it means that the user has not registered yet, then the next step can be switched to the person-document verification or no-document verification link to verify the identity of the user and handle the registration or access of the user. It is highly intelligent and more convenient for users to use. They can complete various functions such as order query, identity verification, registration, order payment, etc. by themselves.

[0055] The integrated system is provided with a power interface on the side of the base for easy power supply, and may also include a rechargeable battery, which can be charged through the power interface or USB interface, so that the integrated system can work without a power cord, which is suitable for more scenarios where it is inconvenient to connect to a power source or carry a power source.

[0056] The side of the base of the integrated system is also provided with a network cable interface for connecting to the network and at least one USB interface for data transmission. The USB interface can be connected to an external card reading system to expand the functions of the integrated system. For example, the integrated system can be connected to an external card reading system for reading medical insurance card / social security card information through the USB interface. Through personal verification or undocumented verification, the user himself, ID card information, and medical insurance card / social security card information can be verified, thereby avoiding the theft and misuse of medical insurance cards / social security cards, which will disrupt the healthy development of the medical insurance industry.

[0057] The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the protection scope of the present invention.

Claims

1. A mobile payment, identity verification, and undocumented verification integrated system, characterized in that: The integrated system includes a document reading unit, a camera unit, an encryption chip, a mobile payment program module, a person-document verification program module and a no-document verification program module; wherein, When performing the person-document verification, the person-document verification program module is started, and the steps are as follows: The integrated system receives the user identity information obtained from the certificate reading unit, encrypts the user identity information through the encryption chip and uploads it to the security server; The integrated system receives user portrait information taken by the camera unit and uploads the user portrait information to the security server; After the security server decrypts the user identity information, the decrypted user identity information and the user portrait information are uploaded to the public security server system via a dedicated network for verification, and the information of successful or unsuccessful verification is returned to the security server and then transmitted to the integrated system; When performing unlicensed verification, the unlicensed verification program module is started, and the steps are as follows: The integrated system receives user identity information input by the user, encrypts the user identity information through the encryption chip, and then uploads it to the security server; The integrated system receives user portrait information taken by the camera unit and uploads the user portrait information to the security server; After the security server decrypts the user identity information, the decrypted user identity information and the user portrait information are uploaded to the public security server system via a dedicated network for verification, and the information of successful or unsuccessful verification is returned to the security server and then transmitted to the integrated system; After receiving the information of successful identity verification or no identity verification, the integrated system transmits the user identity information to the business system, and if the user's order has not been paid, completes the user's order payment through the mobile payment program module; The user identity information is encrypted by the encryption chip and then uploaded to the security server, comprising: obtaining multiple key factors to generate a key and storing it in the encryption chip, the encryption chip encrypting the user identity information according to the key to obtain encrypted identity information, uploading the encrypted identity information and the key to the security server; the security server decrypting the encrypted identity information according to the key; Uploading the user portrait information to the security server, including uploading the user portrait information to the security server after encrypting it with the encryption chip; The security server is a cloud service platform based on basic cryptographic equipment and public security, including a key management system and an Internet cloud server, and the key management system is used to encrypt or decrypt data storage or transmission of the Internet cloud server; After the identity verification or the absence of identity verification is successful, the integrated system registers or admits the user and issues a registration or admission certificate; after registering or admitting the user, the user's head portrait information is stored in the registered user head portrait library of the business system; The integrated system also includes an infrared pyroelectric sensor or a proximity switch. When the infrared pyroelectric sensor or proximity switch of the integrated system detects a user, the camera unit is started to capture the user's portrait, obtain the user's portrait information, and compare the user's portrait information with the photos in the registered user portrait library of the business system to determine whether the user's portrait information is in the registered user portrait library of the business system. If there is a photo in the registered user portrait library of the business system that is consistent with the user's portrait information, it means that the user has been registered, and the order information of the registered user can be called up and displayed on the display screen of the integrated system; if there is no photo in the registered user portrait library of the business system that is consistent with the user portrait information, it means that the user has not been registered, and the next step is to switch to the person-document verification or no-document verification link to verify the user's identity and handle the user's registration or access.

2. The integrated system of mobile payment, identity verification and no-license verification as claimed in claim 1, characterized in that: The camera unit adopts a binocular camera or a 3D structured light camera.

3. The integrated system of mobile payment, identity verification and no-license verification as claimed in claim 1, characterized in that: During the undocumented verification, the integrated system receives user identity information input from the user, including: the user enters the user name and ID number on the display screen of the integrated system, or enters the user name and ID number by voice.

4. The integrated system of mobile payment, identity verification and no-license verification as claimed in claim 1, characterized in that: The mobile payment program module is one or more of WeChat face payment, aggregate payment, and Alipay payment.

5. The integrated system of mobile payment, identity verification and no-license verification as claimed in claim 1, characterized in that: During the process of identity verification or identity verification, the location information of the integrated system is uploaded to the public security server system via the security server.

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