A protocol-based automatic payment method, acquiring bank server and system

Abstract

The present invention provides a protocol-based automatic payment method, acquiring bank server and system, which can be used in the financial field or other technical fields. The method includes: receiving a payment transaction request sent by a merchant terminal, the payment transaction request including order information, shopping site photos and payment identification; determining the payment account and first facial recognition information corresponding to the payment identification according to the payment identification, and extracting second facial recognition information according to the shopping site photos; if the second facial recognition information matches the first facial recognition information, order payment processing is performed according to the order information and the payment account to complete the payment transaction. The acquiring bank server and system are used to execute the above method. The protocol-based automatic payment method, acquiring bank server and system provided in the embodiments of the present invention improve the convenience of payment.

Description

Technical Field

[0001] The present invention relates to the technical field of electronic payment, and in particular to an automatic payment method based on a protocol, an acquiring bank server and a system. Background Art

[0002] In real life, with the development of network technology, online payment has become people's main means of payment.

[0003] For those who can use online payment tools such as smartphones, online payment has brought great convenience. However, for many people who cannot or are not convenient to use online payment tools such as smartphones, such as the elderly, minors and the disabled, they cannot enjoy the convenience of online payment, especially considering that China has entered an aging society with a large elderly population.

[0004] Therefore, how to propose a payment method that can ensure payment security while enabling people who do not know how to use online payment to enjoy the convenience of online payment has become an important issue that needs to be solved in this field. Summary of the invention

[0005] In view of the problems in the prior art, the embodiments of the present invention provide a protocol-based automatic payment method, an acquiring bank server and a system, which can at least partially solve the problems in the prior art.

[0006] In a first aspect, the present invention provides a protocol-based automatic payment method, comprising:

[0007] Receiving a payment transaction request sent by a merchant terminal, wherein the payment transaction request includes order information, a shopping site photo, and a payment identifier;

[0008] Determine the payment account and first face recognition information corresponding to the payment identifier according to the payment identifier, and extract second face recognition information according to the shopping scene photo;

[0009] If the second facial recognition information matches the first facial recognition information, order payment processing is performed according to the order information and the payment account to complete the payment transaction.

[0010] In a second aspect, the present invention provides an acquiring bank server, comprising:

[0011] A receiving unit, configured to receive a payment request sent by a merchant terminal, wherein the payment request includes order information, a shopping site photo, and a payment identifier;

[0012] A first query unit, configured to query a payment account and facial recognition information corresponding to the payment identifier according to the payment identifier, and extract second facial recognition information according to the shopping scene photo;

[0013] The payment processing unit is used to perform order payment processing according to the order information and the payment account to complete the payment transaction after the second facial recognition information matches the first facial recognition information.

[0014] In a third aspect, the present invention provides a protocol-based automatic payment system, comprising an acquiring bank server and a merchant terminal as described in any one of the above embodiments, wherein the acquiring bank server is communicatively connected to the merchant terminal.

[0015] In a fourth aspect, the present invention provides an electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein when the processor executes the program, the steps of the automatic payment method based on the protocol described in any of the above embodiments are implemented.

[0016] In a fifth aspect, the present invention provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of the automatic payment method based on the protocol described in any of the above embodiments.

[0017] The protocol-based automatic payment method, acquiring bank server and system provided in the embodiments of the present invention can receive a payment transaction request sent by a merchant terminal, determine the payment account and first facial recognition information corresponding to the payment identifier based on the payment identifier, and extract the second facial recognition information based on the shopping scene photo. After the second facial recognition information matches the first facial recognition information, order payment processing is performed according to the order information and the payment account to complete the payment transaction. The payment transaction is initiated by the merchant terminal without the need for on-site shopping personnel to perform any operations. It can provide convenient and secure payment services for the elderly and people who are not convenient to use online payment tools such as smart phones, thereby improving the convenience of payment. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art descriptions. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0019] Figure 1 It is a structural diagram of a protocol-based automatic payment system provided in the first embodiment of the present invention.

[0020] Figure 2 It is a flowchart of the automatic payment method based on protocol provided in the second embodiment of the present invention.

[0021] Figure 3It is a flowchart of the automatic payment method based on protocol provided in the third embodiment of the present invention.

[0022] Figure 4 It is a flowchart of the automatic payment method based on protocol provided in the fourth embodiment of the present invention.

[0023] Figure 5 It is a flowchart of the automatic payment method based on protocol provided in the fifth embodiment of the present invention.

[0024] Figure 6 It is a flowchart of the automatic payment method based on protocol provided in the sixth embodiment of the present invention.

[0025] Figure 7 It is a process interaction diagram of the protocol-based automatic payment method provided by the seventh embodiment of the present invention.

[0026] Figure 8 It is a process interaction diagram of the protocol-based automatic payment method provided in the eighth embodiment of the present invention.

[0027] Fig. 9 It is a schematic diagram of the process of applying for registration of a payment identifier provided by the ninth embodiment of the present invention.

[0028] Fig.10 It is a schematic diagram of the structure of an acquiring bank server provided in the tenth embodiment of the present invention.

[0029] Fig.11 It is a schematic diagram of the structure of an acquiring bank server provided in the eleventh embodiment of the present invention.

[0030] Fig.12 It is a schematic diagram of the structure of an acquiring bank server provided in the twelfth embodiment of the present invention.

[0031] Fig.13 It is a schematic diagram of the structure of an acquiring bank server provided in the thirteenth embodiment of the present invention.

[0032] Fig.14 It is a schematic diagram of the structure of an acquiring bank server provided in the fourteenth embodiment of the present invention.

[0033] Fig.15 It is a structural diagram of a protocol-based automatic payment system provided in the fifteenth embodiment of the present invention.

[0034] Fig.16 It is a structural diagram of a protocol-based automatic payment system provided in the sixteenth embodiment of the present invention.

[0035] Fig.17 It is a schematic diagram of the physical structure of an electronic device provided by the seventeenth embodiment of the present invention. DETAILED DESCRIPTION

[0036] In order to make the purpose, technical scheme and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below in conjunction with the accompanying drawings. Here, the illustrative embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention. It should be noted that, in the absence of conflict, the embodiments in this application and the features in the embodiments can be combined with each other arbitrarily.

[0037] In order to facilitate understanding of the technical solution provided by this application, the relevant contents of the technical solution of this application are first explained below. By using the on-site shopping payment method provided by the embodiment of the present invention, banks can cooperate with widely distributed merchants, so that groups who are not good at or inconvenient to use online payment tools can also enjoy the payment experience brought by online payment conveniently and safely, allowing the payment agent to conveniently control the payment scenarios and amounts of minors, making up for the shortcomings of existing online payment technologies in the field of payment, facilitating banks to expand their retail business, and improving the convenience and security of payment transactions.

[0038] Figure 1 is a schematic diagram of the structure of the automatic payment system based on the protocol provided by the first embodiment of the present invention, such as Figure 1 As shown, the protocol-based automatic payment system provided by the embodiment of the present invention includes a merchant terminal 1 and an acquiring bank server 2, wherein:

[0039] The merchant terminal 1 is in communication connection with the acquiring bank server 2. The merchant terminal 1 may be a desktop computer, a laptop computer, etc. The acquiring bank of the merchant terminal 1 is the bank corresponding to the acquiring bank server 2.

[0040] The merchant terminal 1 is used to generate order information and initiate a payment transaction request, and the acquiring bank server 2 is used to execute the protocol-based automatic payment method provided in an embodiment of the present invention to process the payment transaction request.

[0041] Figure 2 is a flow chart of an automatic payment method based on a protocol provided by a second embodiment of the present invention, such as Figure 2 As shown, the automatic payment method based on the protocol provided by the embodiment of the present invention includes:

[0042] S201, receiving a payment transaction request sent by a merchant terminal, wherein the payment transaction request includes order information, a shopping site photo, and a payment identifier;

[0043] Specifically, when a customer is shopping on site, if it is inconvenient for him to pay, he can choose to purchase goods by paying on behalf of others. The customer provides a payment identifier to the merchant, and the merchant collects photos of the customer shopping on site as shopping site photos. The merchant generates order information for the goods purchased by the customer through the merchant terminal, and then sends a payment on behalf of others transaction request to the acquiring bank server, and the payment on behalf of others transaction request may include the order information, the shopping site photos and the payment identifier. The acquiring bank server will receive the payment on behalf of others transaction request. Among them, the order information may include order summary information and commodity details information, and the order summary information may include information such as order number, merchant identifier, merchant address, transaction timestamp and payment amount, which are set according to actual needs and are not limited in the embodiment of the present invention. The commodity details information may include information such as commodity name, commodity quantity and commodity unit price, which are set according to actual needs and are not limited in the embodiment of the present invention. The payment identifier may be obtained by the paying on behalf of others through a bank in advance. The paying on behalf of others is a person who pays on behalf of others. For example, the paying on behalf of others can pay for commodities purchased by their parents, friends and children.

[0044] For example, Mr. Li is not very good at using online payment tools. In order to facilitate his father's shopping at the mall, Mr. Li's son Xiao Li took his father Li to Bank A to handle the agency payment service, signed an automatic agency payment agreement, applied for payment identifier e, and collected his father Li's face recognition information as the face recognition information corresponding to payment identifier e, which is used for payment verification during agency payment transactions. Xiao Li told his father Li that he could use payment identifier e to pay when shopping.

[0045] Li went shopping at a mall and bought a certain item at merchant B. When paying, he informed the staff of merchant B that he needed to pay by proxy payment and informed the payment identifier e. The acquiring bank of merchant B is bank a. The staff of merchant B will input the payment identifier e into the merchant terminal B, and ask Li to take the item to be purchased and take a photo through the camera. The photo obtained is uploaded to the merchant terminal B of merchant B as the photo of Li's shopping scene. Then the staff of merchant B generates order information for the item purchased by Li through merchant terminal B. The order information includes order summary information and item details. The order summary information includes order number, merchant b's merchant identifier, merchant b's address, transaction timestamp and payment amount. The staff of merchant B sends a proxy payment transaction request to the acquiring bank server A of merchant b through merchant terminal B. The proxy payment request includes the order information, the photo of Li's shopping scene and payment identifier e.

[0046] S202, determining the payment account and first face recognition information corresponding to the payment identifier according to the payment identifier, and extracting second face recognition information according to the shopping scene photo;

[0047] Specifically, after receiving the payment transaction request, the acquiring bank server can determine the payment account and facial recognition information corresponding to the payment identifier based on the payment identifier. When the payment identifier belongs to the acquiring bank corresponding to the acquiring bank server, the acquiring bank server can obtain the payment account and first facial recognition information corresponding to the payment identifier from a local query. At this time, the account opening bank corresponding to the payment identifier is the same as the acquiring bank corresponding to the acquiring bank server; when the payment identifier does not belong to the acquiring bank corresponding to the acquiring bank server, the acquiring bank server will send a payment query request to a third-party server, and obtain the payment account and first facial recognition information corresponding to the payment identifier through the query of the third-party server. At this time, the account opening bank corresponding to the payment identifier is different from the acquiring bank corresponding to the acquiring bank server. The acquiring bank server can extract the second facial recognition information from the shopping scene photo.

[0048] S203: If the second facial recognition information matches the first facial recognition information, order payment processing is performed according to the order information and the payment account to complete the payment transaction.

[0049] Specifically, the acquiring bank server compares the first facial recognition information with the second facial recognition information. If the second facial recognition information matches the first facial recognition information, the order payment can be processed according to the order information and the payment account. After the order payment is successful, a payment success message can be sent to the merchant terminal. After checking the payment success message, the merchant staff can inform the customer that the payment is successful and the payment transaction is completed.

[0050] For example, acquiring bank server A extracts Li's facial recognition information from Li's shopping site photos, and queries to obtain the facial recognition information corresponding to payment identifier e. Acquirer server A compares the extracted facial recognition information of Li with the facial recognition information corresponding to payment identifier e. Since the facial recognition information corresponding to payment identifier e is Li's facial recognition information, acquiring bank server A will determine that the extracted facial recognition information of Li matches the facial recognition information corresponding to payment identifier e. Then acquiring bank server A can obtain merchant b's merchant identifier and payment amount from the order information. According to merchant b's merchant identifier, it can query the bank account opened by merchant b in bank a, and then initiate a transfer transaction, transferring the payment amount from the payment account corresponding to payment identifier e to the bank account opened by merchant b in bank a. After the transfer is completed, acquiring bank server A will send a payment success message to merchant terminal B. After seeing the above payment success message, the staff of merchant b will inform Li that the payment transaction is completed and the product purchase is successful. Acquiring bank server A can also send deduction information to Xiao Li's mobile phone to remind Xiao Li that a payment transaction has been completed.

[0051] The protocol-based automatic payment method provided in the embodiment of the present invention can receive a payment transaction request sent by a merchant terminal, determine the payment account and face recognition information corresponding to the payment identifier based on the payment identifier, and extract the second face recognition information based on the shopping scene photo. After the second face recognition information matches the first face recognition information, the order payment is processed according to the order information and the payment account to complete the payment transaction. The payment transaction is initiated by the merchant terminal without the need for on-site shopping personnel to perform any operations. It can provide convenient and secure payment services for the elderly and people who are not convenient to use online payment tools such as smart phones, thereby improving the convenience of payment.

[0052] On the basis of the above embodiments, further, determining the payment account and the first face recognition information corresponding to the payment identifier according to the payment identifier includes:

[0053] If the payment identifier belongs to the acquiring bank, a first payment query result is obtained through local query, and the first payment query result includes the payment account and face recognition information corresponding to the payment identifier.

[0054] Specifically, after receiving the payment transaction request, the acquiring bank server will determine whether the payment identifier belongs to the acquiring bank, which refers to the bank that opens an account for the merchant corresponding to the merchant terminal. If the payment identifier belongs to the acquiring bank, the acquiring bank server can obtain the first payment query result based on the payment identifier in a local query, and the first payment query result includes the payment account and the first face recognition information corresponding to the payment identifier. The payment identifier belongs to the acquiring bank, which means that the payment client is the payment identifier applied for by the acquiring bank, and the payment account and face recognition information corresponding to the payment identifier are stored locally at the acquiring bank, and the payment account and the merchant's collection account belong to the acquiring bank.

[0055] For example, the acquiring bank server can query whether there is an identical payment identifier in the database based on the payment identifier. If so, the payment identifier is applied for by the bank corresponding to the acquiring bank server, and the payment identifier belongs to the acquiring bank. Alternatively, the payment identifier includes a bank identifier, and the acquiring bank server can obtain the bank identifier from the payment identifier. If the bank identifier in the payment identifier is the same as the bank identifier of the bank corresponding to the acquiring bank server, then the payment identifier is applied for by the bank corresponding to the acquiring bank server, and the payment identifier belongs to the acquiring bank. The bank identifier corresponds one-to-one to the bank. The payment identifier corresponds one-to-one to the bank identifier.

[0056] Figure 3 FIG. 1 is a flow chart of an automatic payment method based on a protocol provided in a third embodiment of the present invention. Figure 3In the above embodiments, further, determining the payment account and the first face recognition information corresponding to the payment identifier according to the payment identifier includes:

[0057] S301. If the payment identifier does not belong to the acquiring bank, send a payment query request to a third-party server; wherein the payment query request includes the payment identifier;

[0058] Specifically, after receiving the payment transaction request, the acquiring bank server will determine whether the payment identifier belongs to the acquiring bank. If the payment identifier does not belong to the acquiring bank, the acquiring bank server will send a payment query request to the third-party server, and the payment query request includes the payment identifier. After receiving the payment query request, the third-party server will determine the payment account and first facial recognition information corresponding to the payment identifier based on the payment identifier, and then return the payment account and first facial recognition information to the acquiring bank server in the payment query result. If the payment identifier does not belong to the acquiring bank, it means that the payment client did not apply for the payment identifier through the acquiring bank, the payment account and first facial recognition information corresponding to the payment identifier are not stored locally in the acquiring bank, and the payment account and the merchant's collection account belong to different banks.

[0059] S302: Receive a second payment query result returned by the third-party server, where the second payment query result includes the payment account corresponding to the payment identifier and the first face recognition information.

[0060] Specifically, the acquiring bank server receives the second payment query result returned by the third-party server, and obtains the payment account and the first facial recognition information corresponding to the payment identifier from the second payment query result.

[0061] The protocol-based automatic payment method provided by the embodiment of the present invention and the merchant channels of payment transactions are not limited to merchants with the same bank account as the payment customer, that is, the merchant and the payment customer's bank account may not be the same bank, which greatly expands the merchant scope of payment transactions.

[0062] Figure 4 is a flow chart of an automatic payment method based on a protocol provided in a fourth embodiment of the present invention, such as Figure 4 As shown, on the basis of the above embodiments, further, the second payment query result also includes the bank corresponding to the payment account; accordingly, the order payment processing according to the order information and the payment account to complete the payment transaction includes:

[0063] S401, obtaining a payment account and a payment amount according to the order information;

[0064] Specifically, the third-party server can also query and obtain the bank corresponding to the payment account according to the payment identifier, and return the bank corresponding to the payment account in the second payment query result to the acquiring bank server. When processing order payment, the acquiring bank server can obtain the merchant identifier and payment amount of the merchant from the order information, and then query and obtain the bank account opened by the merchant at the acquiring bank according to the merchant identifier of the merchant as the receiving account.

[0065] S402: Send an order payment request to the server of the bank that opens the payment account; wherein the order payment request includes the receiving account, the payment account and the payment amount.

[0066] Specifically, after obtaining the receiving account and the payment amount, the acquiring bank server will send an order payment request to the server of the bank corresponding to the payment account (i.e., the server of the bank that opens the account on behalf of the paying customer), and the order payment request includes the receiving account, the payment account, and the payment amount. After receiving the order payment request, the server of the bank that opens the account on behalf of the paying customer will transfer funds to the payment account, and then remit the funds of the payment amount to the receiving account. The server of the bank that opens the account on behalf of the paying customer can send payment completion information to the mobile terminal of the paying customer. The acquiring bank server will credit the funds of the payment amount to the receiving account. After the order payment is successful, the acquiring bank server can send payment success information to the merchant terminal.

[0067] Figure 5 is a flowchart of an automatic payment method based on a protocol provided in a fifth embodiment of the present invention, such as Figure 5 As shown, based on the above embodiments, the automatic payment method based on protocol provided by the embodiment of the present invention further includes:

[0068] S501, querying and obtaining the business scope of the merchant corresponding to the merchant identifier according to the merchant identifier included in the order information;

[0069] Specifically, the acquiring bank server can query locally based on the payment identifier to obtain the payment business scope corresponding to the payment identifier, and the first payment query result can include the payment business scope corresponding to the payment identifier. The acquiring bank server can query based on the merchant identifier included in the order information to obtain the business scope of the merchant corresponding to the merchant identifier.

[0070] S502: If the business scope of the merchant corresponding to the merchant identifier exceeds the payment business scope corresponding to the payment identifier, terminating the agency payment transaction corresponding to the agency payment transaction request.

[0071] Specifically, the acquiring bank server will compare the business scope of the merchant corresponding to the merchant identifier with the payment business scope corresponding to the payment identifier. If the business scope of the merchant corresponding to the merchant identifier exceeds the payment business scope corresponding to the payment identifier, the payment transaction corresponding to the payment transaction request will be terminated. After terminating the payment transaction corresponding to the payment transaction request, the acquiring bank server may send a payment transaction failure prompt message that exceeds the payment business scope to the merchant terminal. By limiting the payment business scope corresponding to the payment identifier, the payment scenario of the payment transaction can be controlled.

[0072] Figure 6 is a flow chart of an automatic payment method based on a protocol provided by a sixth embodiment of the present invention, such as Figure 6 As shown, based on the above embodiments, further, the second payment query result also includes the payment business scope corresponding to the payment identifier; accordingly, the method also includes:

[0073] S601, querying and obtaining the business scope of the merchant corresponding to the merchant identifier according to the merchant identifier included in the order information;

[0074] Specifically, the third-party server can also obtain the payment business scope corresponding to the payment identifier based on the payment identifier query, and return the payment business scope corresponding to the payment identifier to the acquiring bank server in the payment query result. The acquiring bank server can obtain the payment business scope corresponding to the payment identifier from the second payment query result. The acquiring bank server can query and obtain the business scope of the merchant corresponding to the merchant identifier based on the merchant identifier included in the order information. Among them, the business scope of the merchant can be obtained based on the business scope registered in the merchant's business license; the payment business scope corresponding to the payment identifier can be the agreement on the business scope of the merchant to be paid when applying for the identifier. For merchants within the agreed business scope, payment can be made through the payment identifier, and for merchants not within the agreed business scope, payment cannot be made.

[0075] S602: If the business scope of the merchant corresponding to the merchant identifier exceeds the payment business scope corresponding to the payment identifier, terminating the agency payment transaction corresponding to the agency payment transaction request.

[0076] Specifically, the acquiring bank server will compare the business scope of the merchant corresponding to the merchant identifier with the payment business scope corresponding to the payment identifier. If the business scope of the merchant corresponding to the merchant identifier exceeds the payment business scope corresponding to the payment identifier, the payment transaction corresponding to the payment transaction request will be terminated. After terminating the payment transaction corresponding to the payment transaction request, the acquiring bank server may send a payment transaction failure prompt message that exceeds the payment business scope to the merchant terminal. By limiting the payment business scope corresponding to the payment identifier, the payment scenario of the payment transaction can be controlled.

[0077] For example, Qian's son is a minor. To facilitate his son's shopping, Qian applied for payment services at Bank h, signed an automatic payment agreement, applied for payment ID f, and collected the facial recognition information of Qian's son Xiao Ming as the facial recognition information corresponding to payment ID f, and informed his son Xiao Ming that he could use payment ID f to pay when shopping. When Li used payment ID f, in order to control his son Xiao Ming's payment scenarios, he agreed on the payment business scope corresponding to payment ID f, and agreed that the business scope of bars, billiard halls, game halls, dance halls, KTVs, and Internet cafes was not within the payment business scope corresponding to payment ID f, and informed Xiao Ming.

[0078] Xiao Ming goes to a game hall D to make a purchase. He tells the staff of the game hall D that he wants to buy game coins through payment on behalf of others, and tells them the payment ID f. The account opening behavior of the game hall D is bank h, and bank h corresponds to the acquirer server H. The staff of the game hall D sends a payment on behalf of others transaction request to the acquirer server H of the merchant terminal D through the merchant terminal D of the game hall D. The payment on behalf of others transaction request includes order information, Xiao Ming's on-site shopping photos, and payment ID f. Among them, the order information includes the merchant ID dd of the game hall D.

[0079] After the payment identifier f belongs to the bank h, the acquiring bank server H can query the merchant identifier dd and obtain the business scope corresponding to the above merchant identifier dd, which includes games and entertainment. The acquiring bank server H obtains the payment business scope corresponding to the payment identifier f from the payment agency query result. The acquiring bank server H compares the payment business scope corresponding to the payment identifier f with the business scope corresponding to the merchant identifier dd, and can determine that the business scope corresponding to the merchant identifier dd is not within the payment business scope corresponding to the payment identifier f. Then the acquiring bank server H can reject the payment agency transaction request sent by the merchant terminal D and terminate the payment agency transaction.

[0080] On the basis of the above embodiments, further, the first payment query result also includes the payment limit corresponding to the payment identifier; accordingly, the method further includes:

[0081] If the payment amount included in the order information is greater than the agency payment limit corresponding to the payment identifier, the agency payment transaction corresponding to the agency payment transaction request is terminated.

[0082] Specifically, the acquiring bank server can obtain the payment limit corresponding to the payment identifier through local query based on the payment identifier, and the first payment query result can include the payment limit corresponding to the payment identifier. The acquiring bank server obtains the payment amount from the order information, and then compares the payment limit with the payment amount included in the order information. If the payment amount included in the order information is greater than the payment limit corresponding to the payment identifier, the payment transaction corresponding to the payment transaction request will be terminated. After terminating the payment transaction corresponding to the payment transaction request, the acquiring bank server can send a payment transaction failure prompt message that exceeds the payment limit to the merchant terminal. By limiting the payment limit corresponding to the payment identifier, the payment amount of the payment transaction can be controlled.

[0083] On the basis of the above embodiments, further, the second payment query result also includes the payment limit corresponding to the payment identifier; accordingly, the method further includes:

[0084] If the payment amount included in the order information is greater than the agency payment limit corresponding to the payment identifier, the agency payment transaction corresponding to the agency payment transaction request is terminated.

[0085] Specifically, the third-party server can also obtain the payment limit corresponding to the payment account according to the payment identification query, and return the payment limit corresponding to the payment identification in the second payment query result to the acquiring bank server. The acquiring bank server can obtain the payment limit from the second payment query result, and then compare the payment limit with the payment amount included in the order information. If the payment amount included in the order information is greater than the payment limit corresponding to the payment identification, the payment transaction corresponding to the payment transaction request will be terminated. After terminating the payment transaction corresponding to the payment transaction request, the acquiring bank server can send a payment transaction failure prompt message that exceeds the payment limit to the merchant terminal. By limiting the payment limit corresponding to the payment identification, the payment amount of the payment transaction can be controlled.

[0086] On the basis of the above embodiments, further, the payment transaction request is sent after being encrypted and signed.

[0087] Specifically, in order to ensure the security of the transmission of the payment transaction request, the payment transaction request is sent after being encrypted and signed. After receiving the payment transaction request with the encryption signature, the acquiring bank server can decrypt the payment transaction request with the encryption signature according to the public key of the encryption signature.

[0088] Figure 7 is a flow chart of the automatic payment method based on the protocol provided by the seventh embodiment of the present invention, such as Figure 7 As shown, the process of the automatic payment method based on the protocol provided by the embodiment of the present invention is as follows:

[0089] The first step is to send a payment request. The merchant terminal sends a payment request to the acquiring bank server. The payment request includes order information, a photo of the payment requester shopping at the scene, and a payment ID.

[0090] Step 2: Query the payment-related information. The acquiring bank server will determine whether the payment identifier belongs to the acquiring bank. If the payment identifier belongs to the acquiring bank, the payment account and the first face recognition information corresponding to the payment identifier will be determined based on the payment identifier.

[0091] Step 3: Extract the second facial recognition information. The acquiring bank server can extract the second facial recognition information from the shopping scene photo.

[0092] Step 4: Verify facial recognition information. The acquiring bank server compares the first facial recognition information with the second facial recognition information. If the second facial recognition information matches the first facial recognition information, then proceed to step 5. Otherwise, if the second facial recognition information does not match the first facial recognition information, the acquiring bank server will reject the payment transaction request and may send a prompt message to the merchant terminal to terminate the payment transaction.

[0093] Step 5: Process the order payment. The acquiring bank server processes the order payment based on the order information and the payment account, and transfers the payment amount from the payment account to the merchant's receiving account.

[0094] Step 6: Send payment success information. After the order payment is successful, the acquiring bank server sends payment success information to the merchant terminal. After checking the payment success information, the merchant staff can inform the customer that the payment is successful and the payment transaction is completed.

[0095] Figure 8 is a flow chart of the automatic payment method based on the protocol provided by the ninth embodiment of the present invention, such as Figure 8 As shown, the process of the automatic payment method based on the protocol provided by the embodiment of the present invention is as follows:

[0096] The first step is to send a payment request. The merchant terminal sends a payment request to the acquiring bank server. The payment request includes order information, a photo of the payment requester shopping at the scene, and a payment ID.

[0097] Step 2: Send a payment query request. The acquiring bank server will determine whether the payment identifier belongs to the acquiring bank. If the payment identifier does not belong to the acquiring bank, the acquiring bank server will send a payment query request to the third-party server, and the payment query request includes the payment identifier.

[0098] Step 3: Return the payment query result. After receiving the payment query request, the third-party server will query the payment account, bank, first face recognition information and other information corresponding to the payment identifier based on the payment identifier, and then return the payment account, bank and face recognition information corresponding to the payment identifier to the acquiring bank server in the second payment query result.

[0099] Step 4: Extract the second face recognition information. The acquiring bank server can extract the second face recognition information from the shopping scene photo.

[0100] Step 5: Verify facial recognition information. The acquiring bank server compares the first facial recognition information with the second facial recognition information. If the second facial recognition information matches the first facial recognition information, then proceed to step 6. Otherwise, if the second facial recognition information does not match the first facial recognition information, the acquiring bank server will reject the payment transaction request and may send a prompt message to the merchant terminal to terminate the payment transaction.

[0101] Step 6: Send an order payment request. The acquiring bank server can obtain the merchant ID and payment amount from the order information, and then query the merchant's bank account opened at the acquiring bank based on the merchant ID as the receiving account. The acquiring bank server sends an order payment request to the server of the bank corresponding to the payment account (i.e., the server of the bank that pays on behalf of the customer), and the order payment request includes the receiving account, payment account, and payment amount.

[0102] Step 7: Send a fund remittance request. The server of the bank that opens an account on behalf of the payment client will transfer funds to the payment account, and then remit the funds of the payment amount to the receiving account.

[0103] Step 8. Send payment success information. The acquiring bank server will deposit the payment amount into the receiving account and then send payment success information to the merchant terminal.

[0104] Fig. 9 is a schematic diagram of a registration application process for a payment identifier provided by a ninth embodiment of the present invention, such as Fig. 9 As shown, the registration application process of the payment identifier provided by the embodiment of the present invention is as follows:

[0105] The first step is to send a payment identification registration request. The payment agent can send a payment identification registration request to the payment agent's bank server through a mobile terminal. The payment identification registration request may include the payment agent's mobile phone number, ID card number, the payment agent's bank account number opened at the bank corresponding to the payment agent's bank server, the payment agent's parents, friends, and children's facial recognition information, and the automatic payment agreement, stipulating that payment is verified through facial recognition information.

[0106] Step 2: Forward the payment ID registration request. The server of the bank where the payment agent opens an account forwards the payment ID registration request to the third-party server, and the third-party staff will review and approve the payment ID registration request. After the review and approval, the third-party server generates a unique payment ID for the payment agent, and stores the payment ID in correspondence with the payment agent's mobile phone number, ID card number, the bank account opened by the payment agent at the bank where the payment agent opens an account, and the facial recognition information of the payment agent's parents, friends, and children.

[0107] Step 3: Send the registration success information. The third-party server sends the registration success information to the server of the bank where the payment is made, and the registration success information includes the payment ID. The server of the bank where the payment is made will forward the registration success information to the mobile terminal of the payment customer.

[0108] The automatic payment method based on the protocol provided in the embodiment of the present invention, on the one hand, can complete the payment transaction by initiating a payment transaction request through the merchant transaction terminal, without the need for on-site shopping personnel to perform any operation, truly providing convenient and safe services for the elderly and people who are not convenient to use online payment tools such as smart phones. On the other hand, by registering the payment identifier in the third-party server, the merchant channel of the payment transaction is no longer limited to the merchant of the bank where the payment customer opens an account, that is, the merchant and the bank where the payment customer opens an account may not be the same bank, which greatly expands the merchant range of payment. In addition, by using the face recognition information of the payment site photo, matching it with the face recognition information in the pre-stored payment agreement, and performing security control measures for automatic payment, as well as using limit control, the convenience and security of the payment transaction are greatly improved.

[0109] Fig.10 is a schematic diagram of the structure of the acquiring bank server provided by the tenth embodiment of the present invention, such as Fig.10 As shown, the acquiring bank server provided in the embodiment of the present invention includes a receiving unit 1001, a first query unit 1002 and a payment processing unit 1003, wherein:

[0110] The receiving unit 1001 is used to receive a payment transaction request sent by a merchant terminal, and the payment transaction request includes order information, a shopping scene photo and a payment identifier; the first query unit 1002 is used to determine the payment account and the first facial recognition information corresponding to the payment identifier based on the payment identifier, and to extract the second facial recognition information based on the shopping scene photo; the payment processing unit 1003 is used to perform order payment processing according to the order information and the payment account to complete the payment transaction after the second facial recognition information matches the first facial recognition information.

[0111] Specifically, when a customer is shopping on site, if it is inconvenient for him to pay, he can choose to purchase goods by paying on behalf of others. The customer provides a payment identifier to the merchant, and the merchant collects photos of the customer shopping on site as shopping site photos. The merchant generates order information for the goods purchased by the customer through the merchant terminal, and then sends a payment transaction request to the receiving unit 1001, and the payment transaction request may include the order information, the shopping site photos and the payment identifier. The receiving unit 1001 will receive the payment transaction request. Among them, the order information may include order summary information and commodity details information, and the order summary information may include information such as order number, merchant identifier, merchant address, transaction timestamp and payment amount, which are set according to actual needs and are not limited in the embodiment of the present invention. The commodity details information may include information such as commodity name, commodity quantity and commodity unit price, which are set according to actual needs and are not limited in the embodiment of the present invention. The payment identifier may be obtained by the payment client through a bank in advance. The payment client is a person who pays on behalf of others. For example, the payment client can pay for the goods purchased by his parents, friends, and children.

[0112] After receiving the payment transaction request, the first query unit 1002 can query the payment account and the first facial recognition information corresponding to the payment identifier based on the payment identifier. When the payment identifier belongs to the acquiring bank corresponding to the acquiring bank server, the first query unit 1002 can obtain the payment account and the first facial recognition information corresponding to the payment identifier from the local query. At this time, the account opening bank corresponding to the payment identifier is the same as the acquiring bank corresponding to the acquiring bank server; when the payment identifier does not belong to the acquiring bank corresponding to the acquiring bank server, the first query unit 1002 will send a payment query request to the third-party server, and obtain the payment account and the first facial recognition information corresponding to the payment identifier through the third-party server query. At this time, the account opening bank corresponding to the payment identifier is not the same as the acquiring bank corresponding to the acquiring bank server. The first query unit 1002 can extract the second facial recognition information from the shopping scene photo.

[0113] The payment processing unit 1003 compares the first face recognition information with the second face recognition information. If the second face recognition information matches the first face recognition information, the order payment can be processed according to the order information and the payment account. After the order payment is successful, a payment success message can be sent to the merchant terminal. After checking the payment success message, the merchant staff can inform the customer that the payment is successful and the payment transaction is completed.

[0114] The acquiring bank server provided in the embodiment of the present invention can receive a payment transaction request sent by a merchant terminal, determine the payment account and first facial recognition information corresponding to the payment identifier based on the payment identifier, and extract second facial recognition information based on a photo of the shopping scene. After the second facial recognition information matches the first facial recognition information, order payment processing is performed based on the order information and the payment account to complete the payment transaction. The payment transaction is initiated by the merchant terminal without the need for on-site shopping personnel to perform any operations. Convenient and secure payment services can be provided for the elderly and people who are not convenient to use online payment tools such as smart phones, thereby improving the convenience of payment.

[0115] On the basis of the above embodiments, further, the first query unit 1002 is specifically used for:

[0116] If the payment identifier belongs to the acquiring bank, a first payment query result is obtained through local query, and the first payment query result includes the payment account and face recognition information corresponding to the payment identifier.

[0117] Specifically, after receiving the payment transaction request, the first query unit 1002 will determine whether the payment identifier belongs to an acquiring bank, which refers to the bank that opens an account for the merchant corresponding to the merchant terminal. If the payment identifier belongs to an acquiring bank, the first query unit 1002 can obtain the payment account and the first face recognition information corresponding to the payment identifier by local query based on the payment identifier. If the payment identifier belongs to an acquiring bank, it means that the payment client has applied for the payment identifier through the acquiring bank, and the payment account and face recognition information corresponding to the payment identifier are stored locally at the acquiring bank, and the payment account and the merchant's collection account belong to the acquiring bank.

[0118] Fig.11 is a schematic diagram of the structure of the acquiring bank server provided in the eleventh embodiment of the present invention, such as Fig.11 As shown, the first query unit 1002 includes a first sending subunit 10021 and a receiving subunit 10022, wherein:

[0119] The first sending sub-unit 10021 is used to send a payment query request to a third-party server after the payment identifier does not belong to the acquiring bank; wherein the payment query request includes the payment identifier; the receiving sub-unit 10022 is used to receive a second payment query result returned by the third-party server, wherein the second payment query result includes the payment account corresponding to the payment identifier and the first facial recognition information.

[0120] Specifically, after receiving the payment transaction request, the first sending subunit 10021 will determine whether the payment identifier belongs to the acquiring bank. If the payment identifier does not belong to the acquiring bank, the first sending subunit 10021 will send a payment query request to the third-party server, and the payment query request includes the payment identifier. After receiving the payment query request, the third-party server will query the payment account and first facial recognition information corresponding to the payment identifier according to the payment identifier, and then return the payment account and first facial recognition information to the receiving subunit 10022 in the second payment query result. If the payment identifier does not belong to the acquiring bank, it means that the payment client did not apply for the payment identifier through the acquiring bank, the payment account and first facial recognition information corresponding to the payment identifier are not stored locally in the acquiring bank, and the payment account and the merchant's collection account belong to different banks.

[0121] The receiving subunit 10022 receives the second payment query result returned by the third-party server, and obtains the payment account and the first facial recognition information corresponding to the payment identifier from the second payment query result.

[0122] Fig.12 is a schematic diagram of the structure of the acquiring bank server provided by the twelfth embodiment of the present invention, such as Fig.12 As shown, on the basis of the above embodiments, further, the second payment query result also includes the bank corresponding to the payment account; accordingly, the payment processing unit 1003 provided in the embodiment of the present invention includes an obtaining subunit 10031 and a second sending subunit 10032, wherein:

[0123] The obtaining subunit 10031 is used to obtain the receiving account and the payment amount according to the order information; the second sending subunit 10032 is used to send an order payment request to the server of the bank where the payment account is opened; wherein the order payment request includes the receiving account, the payment account and the payment amount.

[0124] Specifically, the third-party server can also query and obtain the bank corresponding to the payment account according to the payment identifier, and return the bank corresponding to the payment account to the acquiring bank server in the payment query result. When processing order payment, the obtaining subunit 10031 can obtain the merchant identifier and payment amount of the merchant from the order information, and then query and obtain the bank account opened by the merchant at the acquiring bank according to the merchant identifier of the merchant as the receiving account.

[0125] After obtaining the receiving account and the payment amount, the second sending subunit 10032 will send an order payment request to the server of the bank corresponding to the payment account (i.e., the server of the bank for the client who pays on behalf of the customer), and the order payment request includes the receiving account, the payment account, and the payment amount. After receiving the order payment request, the server of the bank for the client who pays on behalf of the customer will transfer funds to the payment account, and then remit the funds of the payment amount to the receiving account. The server of the bank for the client who pays on behalf of the customer can send a payment completion message to the mobile terminal of the client who pays on behalf of the customer. The second sending subunit 10032 will credit the funds of the payment amount to the receiving account. After the order payment is successful, the second sending subunit 10032 can send a payment success message to the merchant terminal. Fig.13 is a schematic diagram of the structure of the acquiring bank server provided by the thirteenth embodiment of the present invention, such as Fig.13 As shown, on the basis of the above embodiments, further, the first payment query result or the second payment query result also includes the payment business scope corresponding to the payment identifier; accordingly, the acquiring bank server provided in the embodiment of the present invention also includes a second query unit 1004 and a first termination unit 1005, wherein:

[0126] The second query unit 1004 is used to query the business scope of the merchant corresponding to the merchant identifier included in the order information; the first termination unit 1005 is used to terminate the payment transaction corresponding to the payment transaction request after the business scope of the merchant corresponding to the merchant identifier exceeds the payment business scope corresponding to the payment identifier.

[0127] Specifically, the second query unit 1004 can obtain the payment business scope corresponding to the payment identifier from the first payment query result or the second payment query result. The second query unit 1004 can query and obtain the business scope of the merchant corresponding to the merchant identifier according to the merchant identifier included in the order information. Among them, the business scope of the merchant can be obtained according to the business scope registered in the merchant's business license; the payment business scope corresponding to the payment identifier can be the agreement on the business scope of the merchant to be paid when applying for the identifier. For merchants within the agreed business scope, payment can be made through the payment identifier, and for merchants not within the agreed business scope, payment cannot be made.

[0128] The first termination unit 1005 compares the business scope of the merchant corresponding to the merchant identifier and the payment business scope corresponding to the payment identifier. If the business scope of the merchant corresponding to the merchant identifier exceeds the payment business scope corresponding to the payment identifier, the payment transaction corresponding to the payment transaction request will be terminated. After terminating the payment transaction corresponding to the payment transaction request, the first termination unit 1005 may send a payment transaction failure prompt message that exceeds the payment business scope to the merchant terminal. By limiting the payment business scope corresponding to the payment identifier, the payment scenario of the payment transaction can be controlled.

[0129] Fig.14 is a schematic diagram of the structure of the acquiring bank server provided in the fourteenth embodiment of the present invention, such as Fig.14 As shown, the first payment query result or the second payment query result also includes the payment limit corresponding to the payment identifier; accordingly, the acquiring bank server provided in this embodiment of the present invention also includes a second termination unit 1006, wherein:

[0130] The second terminating unit 1006 is used to terminate the payment transaction corresponding to the payment transaction request after the payment amount included in the order information is greater than the payment limit corresponding to the payment identifier.

[0131] Specifically, the second termination unit 1006 can obtain the payment limit from the first payment query result or the second payment query result, and then compare the payment limit with the payment amount included in the order information. If the payment amount included in the order information is greater than the payment limit corresponding to the payment identifier, the payment transaction corresponding to the payment transaction request will be terminated. After terminating the payment transaction corresponding to the payment transaction request, the second termination unit 1006 can send a payment transaction failure prompt message that exceeds the payment limit to the merchant terminal. By limiting the payment limit corresponding to the payment identifier, the payment amount of the payment transaction can be controlled.

[0132] On the basis of the above embodiments, further, the payment transaction request is sent after being encrypted and signed.

[0133] Specifically, in order to ensure the security of the payment transaction request transmission, the payment transaction request is sent after being encrypted and signed. After receiving the payment transaction request with the encryption signature, the receiving unit 1001 can decrypt the payment transaction request with the encryption signature according to the public key of the encryption signature.

[0134] The acquiring bank server provided in the embodiments of the present invention can be specifically used to execute the processing flow of the above-mentioned method embodiments, and its functions are not described in detail here. Please refer to the detailed description of the above-mentioned method embodiments.

[0135] like Figure 1 As shown, an embodiment of the present invention provides a protocol-based automatic payment system, including the acquiring bank server 2 and the merchant terminal 1 described in any of the above embodiments, and the acquiring bank server 2 is communicatively connected with the merchant terminal 1.

[0136] The merchant terminal 1 is used to generate order information, which includes order summary information and product details information, and the order summary information includes order number, merchant name, address, transaction timestamp and amount; obtain shopping scene photos and payment identification; the merchant terminal 1 can submit the payment transaction request including the order information, shopping scene photos and payment identification to the acquiring bank server 2 after encryption and signing; receive the order payment result information fed back by the acquiring bank server 2.

[0137] The acquiring bank server 2 is used to decrypt the payment transaction request; extract the second facial recognition information based on the shopping scene photo; obtain the customer name, payment account number and facial recognition information corresponding to the payment identifier; after the second facial recognition information matches the first facial recognition information, perform order payment processing and return the processing result to the merchant transaction terminal.

[0138] Fig.15 is a schematic diagram of the structure of the automatic payment system based on the protocol provided in the fifteenth embodiment of the present invention, such as Fig.15 As described above, the protocol-based automatic payment system provided in the embodiment of the present invention further includes a third-party server 3 , and the third-party server 3 is communicatively connected with the acquiring bank server 2 .

[0139] The third-party server 3 can be an inter-bank remittance intermediary organization. On the one hand, it receives the registration application of the customer's payment identifier and provides a query interface to the acquiring bank server 2. According to the payment identifier, it obtains the corresponding customer name, payment account number, bank where the payment account is opened and the payment business scope, the first face recognition information and other information, and feeds it back to the acquiring bank server or the server of the bank where the payment is opened. On the other hand, it can perform clearing of inter-bank transfers.

[0140] Fig.16 is a schematic diagram of the structure of the automatic payment system based on the protocol provided by the sixteenth embodiment of the present invention, such as Fig.16 As described above, based on the above embodiments, the protocol-based automatic payment system provided in the embodiments of the present invention may further include a payment client bank server 4 and a mobile terminal 5, wherein:

[0141] The mobile terminal 5 is wirelessly connected to the server 4 of the bank where the payment is made on behalf of the customer, and the acquiring bank server 2, the server 4 of the bank where the payment is made on behalf of the customer and the third-party server 3 are connected via a financial clearing network.

[0142] The server 4 of the bank where the payment agent is located is used to process the order payment request sent by the acquiring bank server 2, and after the payment is completed, send payment completion information to the mobile terminal 5 to prompt the payment agent that the payment agent has initiated a payment transaction. The mobile terminal 5 is owned by the payment agent.

[0143] It should be noted that the protocol-based automatic payment method, acquiring bank server and system provided in the embodiments of the present invention can be used in the financial field, and can also be used in any technical field other than the financial field. The embodiments of the present invention do not limit the application fields of the protocol-based automatic payment method, acquiring bank server and system.

[0144] Fig.17 is a schematic diagram of the physical structure of an electronic device provided by an embodiment of the present invention, such as Fig.17As shown, the electronic device may include: a processor 1701, a communication interface 1702, a memory 1703 and a communication bus 1704, wherein the processor 1701, the communication interface 1702 and the memory 1703 complete mutual communication through the communication bus 1704. The processor 1701 may call the logic instructions in the memory 1703 to execute the following method: receiving a payment request sent by a merchant terminal, the payment request including order information, a shopping scene photo and a payment identifier; determining the payment account and the first face recognition information corresponding to the payment identifier according to the payment identifier, and extracting the second face recognition information according to the shopping scene photo; if the second face recognition information matches the first face recognition information, performing order payment processing according to the order information and the payment account to complete the payment transaction.

[0145] In addition, the logic instructions in the above-mentioned memory 1703 can be implemented in the form of software functional units and can be stored in a computer-readable storage medium when sold or used as an independent product. Based on such an understanding, the technical solution of the present invention, in essence, or the part that contributes to the prior art or the part of the technical solution, can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including several instructions for a computer device (which can be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk and other media that can store program codes.

[0146] The present embodiment discloses a computer program product, which includes a computer program stored on a non-transitory computer-readable storage medium, and the computer program includes program instructions. When the program instructions are executed by a computer, the computer can execute the methods provided by the above-mentioned method embodiments, for example, including: receiving a payment transaction request sent by a merchant terminal, the payment transaction request including order information, a shopping scene photo and a payment identifier; determining a payment account and first facial recognition information corresponding to the payment identifier based on the payment identifier, and extracting second facial recognition information based on the shopping scene photo; if the second facial recognition information matches the first facial recognition information, performing order payment processing based on the order information and the payment account to complete the payment transaction.

[0147] The present embodiment provides a computer-readable storage medium, which stores a computer program, and the computer program enables the computer to execute the methods provided by the above-mentioned method embodiments, for example, including: receiving a payment transaction request sent by a merchant terminal, the payment transaction request including order information, a shopping scene photo and a payment identifier; determining a payment account and first facial recognition information corresponding to the payment identifier based on the payment identifier, and extracting second facial recognition information based on the shopping scene photo; if the second facial recognition information matches the first facial recognition information, performing order payment processing based on the order information and the payment account to complete the payment transaction.

[0148] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0149] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0150] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0151] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0152] In the description of this specification, the description with reference to the terms "one embodiment", "a specific embodiment", "some embodiments", "for example", "example", "specific example", or "some examples" means that the specific features, structures, materials or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present invention. In this specification, the schematic representation of the above terms does not necessarily refer to the same embodiment or example. Moreover, the specific features, structures, materials or characteristics described may be combined in any one or more embodiments or examples in a suitable manner.

[0153] The specific embodiments described above further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. A protocol-based automatic payment method, characterized in that: include: Receive a payment transaction request sent by a merchant terminal, wherein the payment transaction request includes order information, a shopping site photo and a payment identifier; wherein the payment identifier is provided by the customer to the merchant when shopping on site; the payment identifier is obtained by the payment client through a bank in advance; the payment client is the person who pays for the customer; Determine the payment account and first face recognition information corresponding to the payment identifier according to the payment identifier, and extract second face recognition information according to the shopping scene photo; wherein the first face recognition information is the face recognition information of the customer, and the payment account is the account of the customer who pays on behalf of the customer; If the second facial recognition information matches the first facial recognition information, order payment processing is performed according to the order information and the payment account to complete the payment transaction; Wherein, determining the payment account and the first face recognition information corresponding to the payment identifier according to the payment identifier includes: If the payment identifier belongs to the acquiring bank, a first payment query result is obtained by local query, wherein the first payment query result includes the payment account corresponding to the payment identifier and the first face recognition information; Wherein, determining the payment account and the first face recognition information corresponding to the payment identifier according to the payment identifier includes: If the payment identifier does not belong to the acquiring bank, sending a payment query request to a third-party server; wherein the payment query request includes the payment identifier; receiving a second payment query result returned by the third-party server, wherein the second payment query result includes a payment account corresponding to the payment identifier and the first face recognition information; The first payment query result or the second payment query result also includes the payment business scope corresponding to the payment identifier; accordingly, the method further includes: Querying, according to the merchant identification included in the order information, to obtain the business scope of the merchant corresponding to the merchant identification; If the business scope of the merchant corresponding to the merchant identifier exceeds the payment business scope corresponding to the payment identifier, the agency payment transaction corresponding to the agency payment transaction request is terminated.

2. The method according to claim 1, characterized in that The second payment query result also includes the bank corresponding to the payment account; accordingly, performing order payment processing according to the order information and the payment account to complete the payment transaction includes: Obtaining the payment account and payment amount according to the order information; An order payment request is sent to a server of the bank that opens the payment account; wherein the order payment request includes the receiving account, the payment account and the payment amount.

3. The method according to claim 1, characterized in that The first payment query result or the second payment query result also includes a payment limit corresponding to the payment identifier; accordingly, the method further includes: If the payment amount included in the order information is greater than the agency payment limit corresponding to the payment identifier, the agency payment transaction corresponding to the agency payment transaction request is terminated.

4. An acquiring bank server, characterized in that: include: A receiving unit, used to receive a payment transaction request sent by a merchant terminal, wherein the payment transaction request includes order information, a shopping site photo and a payment identifier; wherein the payment identifier is provided by the customer to the merchant when shopping on site; the payment identifier is obtained by the payment client through a bank in advance; the payment client is the person who pays for the customer; A first query unit is used to determine the payment account and first face recognition information corresponding to the payment identifier according to the payment identifier, and extract second face recognition information according to the shopping scene photo; wherein the first face recognition information is the face recognition information of the customer, and the payment account is the account of the customer who pays on behalf of the customer; a payment processing unit, configured to perform order payment processing according to the order information and the payment account to complete the payment transaction after the second face recognition information matches the first face recognition information; Wherein, the first query unit is specifically used for: If the payment identifier belongs to the acquiring bank, a first payment query result is obtained by local query, wherein the first payment query result includes the payment account corresponding to the payment identifier and the first face recognition information; Wherein, the first query unit is specifically used for: A first sending subunit is used to send a payment query request to a third-party server after the payment identifier does not belong to the acquiring bank; wherein the payment query request includes the payment identifier; a receiving subunit, configured to receive a second payment query result returned by the third-party server, wherein the second payment query result includes a payment account corresponding to the payment identifier and first face recognition information; Wherein, the first payment query result or the second payment query result further includes the payment business scope corresponding to the payment identifier; accordingly, the acquiring bank server further includes: A second query unit, configured to query and obtain the business scope of the merchant corresponding to the merchant identifier according to the merchant identifier included in the order information; The first terminating unit is configured to terminate the agency payment transaction corresponding to the agency payment transaction request after the business scope of the merchant corresponding to the merchant identifier exceeds the payment business scope corresponding to the payment identifier.

5. The acquiring bank server according to claim 4, characterized in that: The second payment query result also includes the bank corresponding to the payment account; accordingly, the payment processing unit includes: An obtaining subunit, used to obtain a payment account and a payment amount according to the order information; The second sending subunit is used to send an order payment request to the server of the bank that opens the payment account; wherein the order payment request includes the receiving account, the payment account and the payment amount.

6. The acquiring bank server according to claim 4, characterized in that: The first payment query result or the second payment query result further includes a payment limit corresponding to the payment identifier; accordingly, the acquiring bank server further includes: The second terminating unit is configured to terminate the agency payment transaction corresponding to the agency payment transaction request after the payment amount included in the order information is greater than the agency payment limit corresponding to the payment identifier.

7. An automatic payment system based on a protocol, characterized in that: It comprises the acquiring bank server and the merchant terminal as claimed in any one of claims 4 to 6, wherein the acquiring bank server is communicatively connected with the merchant terminal.

8. The system according to claim 7, characterized in that It also includes a third-party server, which is communicatively connected with the single-line server.

9. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 3 are implemented.

10. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 3 are implemented.

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