Payment method, apparatus, device, and storage medium

Abstract

The application provides a payment method, device, equipment and storage medium, and relates to the technical field of computers. The method comprises the following steps: obtaining a target verification mode used by a user when paying an order; determining a target deduction mode used when paying the order from a plurality of deduction modes of the user based on the target verification mode; and paying the order based on the target deduction mode. The method can meet the demand of the user for controlling different deduction modes by using different verification modes, improve the payment efficiency of the user, and improve the payment experience of the user.

Description

Technical Field

[0001] This application relates to the field of computer technology, and more specifically, to a payment method, apparatus, device, and storage medium. Background Technology

[0002] With the development of computer and internet technology, quick payment is becoming increasingly popular; currently, common quick payment methods include facial recognition payment, palm recognition payment, and fingerprint verification payment.

[0003] Currently, in the payment industry, when users use different verification methods to pay for orders, only one default deduction method is usually available. For example, when a user pays for an order on a certain application, if the user uses facial recognition verification, the default deduction is made from the user's account A. If the user uses palm verification, the default deduction is still made from the user's account A. If the user wants to switch deduction methods when using palm verification, the default deduction method needs to be set or adjusted in the application, which not only affects the payment efficiency when paying orders but also leads to a poor user experience. Summary of the Invention

[0004] This application provides a payment method, device, equipment, and storage medium that can meet the needs of users to control different deduction methods using different verification methods, thereby improving not only the user's payment efficiency but also the user's payment experience.

[0005] Firstly, this application provides a payment method, including:

[0006] The target verification method used when obtaining user payment orders;

[0007] Based on this target verification method, the target deduction method to be used when paying for the order is determined from among the user's multiple deduction methods;

[0008] The payment for this order will be deducted based on this target payment method.

[0009] Secondly, this application provides a payment device, characterized in that it includes:

[0010] The acquisition unit is used to obtain the target verification method used when a user pays a payment order.

[0011] The determining unit is used to determine the target deduction method to be used when paying for the order among the user's multiple deduction methods, based on the target verification method;

[0012] The deduction unit deducts payment from the order based on the target deduction method.

[0013] Thirdly, this application provides an electronic device, comprising:

[0014] A processor, adapted to execute computer programs;

[0015] A computer-readable storage medium storing a computer program that, when executed by the processor, implements the method of the first aspect described above.

[0016] Fourthly, this application provides a computer-readable storage medium for storing a computer program that causes a computer to perform the method described in the first aspect.

[0017] Fifthly, this application provides a computer program product, including a computer program / instructions that, when executed by a processor, implement the method described in the first aspect.

[0018] Based on the above technical solution, by using this target verification method, the target deduction method for paying the order is determined from among the user's multiple deduction methods. This is equivalent to establishing a link between the target verification method and the target deduction method, avoiding the situation where different verification methods always use the same default deduction method when the deduction method and verification method are unrelated. On the one hand, this satisfies the user's need to control different deduction methods using different verification methods, improving the user's payment experience; on the other hand, compared to the user manually modifying the deduction method when paying an order, using different verification methods to control different deduction methods improves payment efficiency. Attached Figure Description

[0019] To more clearly illustrate the technical solutions in the embodiments of the present invention, the accompanying drawings used in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0020] Figure 1 This is a scene diagram provided in the embodiments of this application.

[0021] Figure 2 This is a schematic block diagram of the system framework provided in the embodiments of this application.

[0022] Figure 3 This is a schematic flowchart of the payment method provided in the embodiments of this application.

[0023] Figure 4 This is a schematic diagram illustrating the mapping relationship between the verification method and the deduction method provided in the embodiments of this application.

[0024] Figure 5 This is another illustrative flowchart of the payment method provided in the embodiments of this application.

[0025] Figure 6 This is a schematic block diagram of the payment device provided in the embodiments of this application.

[0026] Figure 7 This is a schematic structural diagram of the electronic device provided in the embodiments of this application. Detailed Implementation

[0027] The technical solutions of the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of this application, and not all of the embodiments. Based on the embodiments of this application, all other embodiments obtained by those of ordinary skill in the art without creative effort are within the scope of protection of this application.

[0028] The solutions provided in this application may involve artificial intelligence technology.

[0029] Artificial intelligence (AI) refers to the theories, methods, technologies, and application systems that utilize digital computers or computers-controlled machines to simulate, extend, and expand human intelligence, perceive the environment, acquire knowledge, and use that knowledge to achieve optimal results. In other words, AI is a comprehensive technology within computer science that attempts to understand the essence of intelligence and produce new intelligent machines that can react in a way similar to human intelligence. AI studies the design principles and implementation methods of various intelligent machines, enabling them to possess perception, reasoning, and decision-making capabilities.

[0030] It should be understood that artificial intelligence (AI) technology is a comprehensive discipline involving a wide range of fields, encompassing both hardware and software technologies. Fundamental AI technologies generally include sensors, dedicated AI chips, cloud computing, distributed storage, big data processing, operating / interactive systems, and mechatronics. AI software technologies mainly include computer vision, speech processing, natural language processing, and machine learning / deep learning.

[0031] The solutions provided in this application may also involve computer vision technology.

[0032] Computer vision (CV) is the science that studies how to enable machines to "see." More specifically, it refers to machine vision, which uses cameras and computers to replace human eyes in tasks such as target recognition, tracking, and measurement, and further performs image processing to create images more suitable for human observation or transmission to instruments. As a scientific discipline, computer vision studies related theories and technologies, attempting to build artificial intelligence systems capable of extracting information from images or multidimensional data. Computer vision technologies typically include image processing, image recognition, image semantic understanding, image retrieval, OCR, video processing, video semantic understanding, video content / behavior recognition, 3D object reconstruction, 3D technology, virtual reality, augmented reality, simultaneous localization and mapping (SLAM), and common biometric recognition technologies such as facial recognition and fingerprint recognition.

[0033] In addition, the solution provided in this application may also involve facial recognition technology.

[0034] Facial recognition technology is a biometric identification technology that identifies individuals based on their facial features. This technology uses cameras or webcams to capture images or video streams containing faces, automatically detects and follows faces within the images, extracts personalized features from the facial images, and then performs facial recognition on the detected faces. It should be understood that this facial recognition technology may include a series of related technologies such as image acquisition, feature localization, identity verification, and search.

[0035] To facilitate understanding of the proposed solution, the relevant terms used in this application will be explained below.

[0036] 1. QR code payment: This refers to making payments by recognizing QR codes or barcodes. The payment terminal can recognize QR codes and barcodes issued according to the prescribed code issuance rules and realize the business corresponding to the QR code and barcode information, such as receiving payments, making payments, downloading applications, and opening websites.

[0037] 2. Webcam (CAMERA or WEBCAM): Also known as a computer camera, computer eye, electronic eye, etc., a webcam is a video input device widely used in video conferencing, telemedicine, and real-time monitoring. Currently, people can communicate with each other online using webcams, with both video and audio input. Additionally, it can be used for various popular digital imaging and audio-visual processing techniques.

[0038] 3. QR Code Payment: This refers to users scanning a QR code using their mobile phones, or merchants scanning the user's payment code using electronic payment tools, to complete payment settlement with the merchant. The merchant can then deliver the goods based on the shipping address, contact information, and other details provided in the payment transaction information, thus completing the transaction. It should be noted that, according to data from mobile security software, most QR code scanning tools lack the ability to identify and block malicious websites, thus providing ample space for the spread of mobile viruses. Therefore, scanning and detecting malicious online websites and payment environments is crucial to effectively prevent infection through QR code scanning channels.

[0039] 4. Color Image: An image captured by a color sensor under natural light. It should be noted that color two-dimensional images are generally used in facial recognition payment for face selection, comparison, and recognition.

[0040] 5. Depth Image: An image obtained by capturing infrared light from a speckle structure using an infrared sensor and then resolving the speckle using depth cells. In 3D computer graphics and computer vision, a depth image is an image or image channel containing information about the distance from the surface of a scene object to the viewpoint. Each pixel in a depth image represents the vertical distance between the depth camera plane and the plane of the object being photographed, typically represented by 16 bits and measured in millimeters. It should be noted that depth images are generally used in facial recognition payment systems for liveness detection and to assist in comparative recognition.

[0041] 6. Infrared Image: An image captured by an infrared sensor using panoramic infrared light. It should be noted that infrared images are generally used for liveness detection in facial recognition payment systems.

[0042] 7. Image Signal Processor (ISP): This refers to the unit used to process the output signals of the front-end image sensor. In other words, the ISP's task is to improve the visual acuity of the "digital eye" to that of the "human eye," making the effect of seeing a digital image as close as possible to the effect of seeing a real scene.

[0043] 8. Facial Recognition: Specifically refers to the process of sending a user's facial image, ID card, name, and other information to a verification source (usually an authoritative institution that authenticates identities) for facial recognition and identity verification when registering for facial recognition services for the first time.

[0044] 9. Speckle Structured Light: Speckle structured light is a grid of light projected by an infrared speckle projector, arranged according to a specific structural pattern. A speckle structured light imaging system consists of an infrared laser projector and an infrared sensor. These speckle lights are projected onto the surface of an object, and after imaging by the infrared sensor, the 3D coordinates of the object's surface can be reconstructed using the principle of triangulation, thus obtaining a depth map.

[0045] 10. Low-light scenes: These refer to scenes with very weak light, specifically those with light intensity in the range of 0-1000 lux. Users have a poor experience scanning QR codes in these scenes.

[0046] 11. Verification Method: This refers to the verification method that users can use when paying for an order; for example, users can complete the payment by facial recognition or palm recognition. It should be noted that users can choose any verification method they want when making a payment, without needing to interact with the machine for confirmation.

[0047] 12. Deduction Methods: This refers to the channels through which funds can be deducted from a user's account after a payment is made. Currently, the mainstream deduction methods may include: XXA Wallet deduction, XXB Wallet deduction, and user's bank card deduction.

[0048] The technical solutions in the embodiments of this application will now be described with reference to the accompanying drawings.

[0049] Figure 1 This is scenario diagram 100 provided in the embodiments of this application.

[0050] like Figure 1 As shown in the figure, the scenario diagram 100 includes a payment terminal 110, a user 120, and a server 130.

[0051] For example, when user 120 pays for an order, payment terminal 110 collects user 120's biometric information under a certain verification method and sends a payment request to server 130. The payment request is used to request server 130 to deduct payment for the order. The payment request includes the collected biometric information. Server 130 receives the payment request sent by payment terminal 120, determines the user's identity information based on the biometric information in the payment request, and calls the default deduction method bound to the user's identity information to deduct payment based on the user's identity information.

[0052] For example, the verification method can be facial recognition, palm print verification, or fingerprint verification; correspondingly, the biometric information can be the user's facial image information, palm print information, or fingerprint information, etc. It should be noted that this application does not specifically limit the verification method or the type of biometric information used when a user pays for an order. Figure 1 The number of payment terminals 110, users 120, and servers 130 is merely illustrative.

[0053] It should be noted that the payment terminal 110 and the payment server 130 can communicate wirelessly or via wired connection based on the Internet Protocol. The wireless network can include, but is not limited to, Wi-Fi, Bluetooth, infrared, Zigbee, or data networks, while the wired network can be a Universal Serial Bus (USB) network.

[0054] The payment terminal 110 can be a payment terminal that simultaneously supports multiple verification methods such as facial recognition, palm print recognition, or fingerprint recognition; it can also be a payment terminal with functions such as facial recognition, fingerprint recognition, and palm print recognition; for example, the payment terminal 110 can be a smartphone, tablet computer, vehicle terminal, laptop computer, or desktop computer. The server 130 can be an independent physical server, a server cluster or distributed system composed of multiple physical servers, or a cloud server providing basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, and big data and artificial intelligence platforms. The server can be directly or indirectly connected via wired or wireless communication, and this application does not impose any restrictions.

[0055] Furthermore, the payment terminal 110 can be a payment terminal with a smart camera. The smart camera is pluggably installed in the payment terminal 110 and can be a 3D (3-Dimensional) camera with liveness detection capabilities. Optionally, the smart camera can include an image sensor for acquiring streaming image data. The image sensor can include any combination of a color 2D image sensor, a depth image sensor, or an infrared image sensor. Optionally, the smart camera can also include a processor for data processing, such as filtering the acquired streaming data to obtain the optimal face image or the optimal palm print image. Optionally, the processor can be a DSP (Digital Signal Processor), a unique microprocessor that processes data using digital signals. The payment terminal 110 can also be a payment terminal with a display device that can display the user's order transaction information or payment information.

[0056] Typically, when a user uses different verification methods to pay for an order, server 130 always calls the default deduction method bound to the user's identity information. For example, when a user pays for an order on a certain application, if the user uses facial recognition verification, the payment will be deducted from the user's account A by default; if the user uses palm verification, the payment will still be deducted from the user's account A by default. If a user wants to switch the deduction method when using palm verification, they need to set or adjust the default deduction method in the application, which not only affects the payment efficiency when the user pays the order, but also leads to a poor user experience.

[0057] Based on this, this application provides a payment method, device, equipment, and storage medium that, by pre-storing the correspondence between multiple verification methods and multiple deduction methods, enables users to freely control the verification and deduction methods, thereby improving not only the user's payment efficiency but also the user's payment experience.

[0058] The following will combine Figure 2 The system framework of the payment scheme provided in this application is illustrated.

[0059] Figure 2 This is a schematic block diagram 200 of the system framework provided in the embodiments of this application.

[0060] like Figure 2 As shown in the diagram 200, the block diagram includes a payment terminal 210, a user 220, and a server 230. The payment terminal 210 includes a settings module 211 for the XX application, a data collection module 212, and a verification method determination module 213. The server 230 includes a database 231, a deduction method determination module 232, and a payment module 233.

[0061] It should be noted that the payment terminal 210 can be as described above. Figure 1 The payment terminal 110 shown; the server 230 can be as described above. Figure 1 The server shown is 130.

[0062] The settings module 211 of the XX application is used to receive the correspondence between the user's settings on the XX application and the payment method, and send the correspondence between the user's verification method and payment method to the database 231 in the server 230.

[0063] The acquisition module 212 is used to acquire action image information of the target user when paying for the target order, and send the action image information to the verification method determination module 213 and the deduction method determination module 232.

[0064] The verification method determination module 213 is used to receive motion image information sent by the acquisition module 212, determine the target verification method used by the target user when paying for the target order based on the motion image information, and send a payment request to the deduction method determination module 232 in the server 230. The payment request includes the target verification method and is used to request the server 230 to deduct the payment for the order.

[0065] Database 231 is used to store the correspondence between the user's verification method and deduction method sent by the settings module 211 of the XX application.

[0066] The deduction method determination module 232 is used to receive motion image information sent by the acquisition module 212 and payment request sent by the verification method determination module 213, and determine the target deduction method used by the target user when paying the target order based on the received motion image information and the target verification method in the payment request.

[0067] The payment module 233 is used to receive the target deduction method sent by the deduction method determination module 232, and use the target deduction method to deduct payment for the target order. When the deduction is successful, it sends a prompt message to the payment terminal 210 to remind that the deduction is completed.

[0068] The payment solution implemented through this framework not only meets users' needs to control different deduction methods using different verification methods, thus improving the user's payment experience, but also improves payment efficiency compared to users manually modifying the deduction method when paying for an order, by using different verification methods to control different deduction methods.

[0069] Figure 3 This is a schematic flowchart of the payment method 300 provided in this application embodiment. It should be noted that this method is applicable to any electronic device with data processing capabilities, such as... Figure 1 The server 130 shown or such Figure 2 The server shown is 230.

[0070] like Figure 3 As shown, the method 300 may include some or all of the following:

[0071] S301, the target verification method used when obtaining user payment orders;

[0072] S302, Based on this target verification method, determine the target deduction method to be used when paying for the order from among the user's multiple deduction methods;

[0073] S303, deduct payment from the order based on the target deduction method.

[0074] For example, the target verification method is one of multiple verification methods, including but not limited to facial recognition verification, palm recognition verification, and fingerprint verification. Palm recognition verification can further include left palm recognition and right palm recognition. For example, if a user is carrying something and it is inconvenient to use palm recognition, they can choose facial recognition verification; or if a user is wearing a mask and it is inconvenient to use facial recognition, they can choose palm recognition verification. That is, the user can decide the verification method according to their own wishes. This application does not specifically limit the category of the target verification method; it should be understood that the target verification method must be a verification method supported by the payment terminal.

[0075] For example, the target deduction method is one of multiple deduction methods, including but not limited to deduction methods from App A wallet, deduction methods from App B wallet, bank card deduction methods, credit card deduction methods, etc.

[0076] Based on the above technical solution, by using this target verification method, the target deduction method for paying the order is determined from among the user's multiple deduction methods. This is equivalent to establishing a link between the target verification method and the target deduction method, avoiding the situation where different verification methods always use the same default deduction method when the deduction method and verification method are unrelated. On the one hand, this satisfies the user's need to control different deduction methods using different verification methods, improving the user's payment experience; on the other hand, compared to the user manually modifying the deduction method when paying an order, using different verification methods to control different deduction methods improves payment efficiency.

[0077] In some embodiments of this application, S301 may include:

[0078] Obtain the user's motion image information;

[0079] Identify the target action in the action image information;

[0080] Obtain the first mapping relationship, and determine the verification method corresponding to the target action in the first mapping relationship as the target verification method;

[0081] The first mapping relationship includes at least one action and a verification method corresponding to each of the at least one action, wherein the at least one action includes the target action.

[0082] For example, the acquired motion image information can be input into a pre-trained motion detection model to identify the target action in the motion image information, and then the first mapping relationship can be used to match the target action with a target verification method. It should be noted that the motion detection model can be trained based on multiple sample motion image information and multiple labeled actions as a training set. It should also be noted that the target action in motion image information can be identified in other ways, and this application does not impose specific limitations on the method for identifying the target action in motion image information.

[0083] For example, the target action may include at least one of raising the left hand, raising the right hand, removing a mask, or extending a finger.

[0084] For example, the payment terminal collects the user's motion image information and sends it to the server. The server receives the motion image information, identifies the target action in the motion image information, and determines the target verification method corresponding to the target action. For instance, the payment terminal detects whether a user is approaching the payment terminal. If a user is approaching the payment terminal, it collects the user's motion image information in front of the payment terminal. It should be noted that the motion image information consists of multiple images of the user continuously collected within a preset range from the payment terminal.

[0085] Of course, another example is that the payment terminal can also directly identify the target action in the collected motion image information, determine the target verification method corresponding to the target action, and then send the target verification method to the server. This application does not impose specific limitations on this. It should be understood that the payment terminal supports this target verification method.

[0086] For example, the first mapping relationship can be stored in the form of a vocabulary file or in the form of a correspondence graph. This application does not impose specific restrictions on the storage method or storage format of the first mapping relationship.

[0087] It should be noted that the motion image information includes the biometric information used by the user when paying for the order.

[0088] It should be noted that the payment terminal in this embodiment can be one of the above-mentioned... Figure 1 The payment terminal 110 shown or Figure 2 The payment terminal 210 shown in this embodiment can be the server described above. Figure 1 The server 130 shown or Figure 2 The server shown is 230.

[0089] In this embodiment, there is no need for the user to interact with the device to confirm the verification method. By acquiring the user's action image information and automatically identifying the target action in the action image information, the target verification method corresponding to the target action is automatically obtained. On the one hand, the user can arbitrarily control the verification method according to their own wishes, which improves the user's payment experience; on the other hand, it saves the user's payment time and improves payment efficiency.

[0090] In some embodiments of this application, S302 may include:

[0091] Obtain the user's biometric information when paying for the order;

[0092] Identify the biometric information and determine the identity information of the user corresponding to the biometric information;

[0093] Obtain the second mapping relationship corresponding to this identity information;

[0094] The second mapping relationship includes at least one verification method and a deduction method corresponding to each of the at least one verification method, wherein the at least one verification method includes the target verification method;

[0095] The deduction method corresponding to the target verification method in the second mapping relationship is determined as the target deduction method.

[0096] For example, the biometric information may be a user's facial image information, fingerprint information, or palm print information, etc. This application does not specifically limit the type of biometric information.

[0097] For example, after the server obtains the biometric information, it compares the biometric information with multiple biometric information in the database to obtain the biometric information with the highest similarity in the database, and then determines the identity information corresponding to the biometric information with the highest similarity as the user's identity information.

[0098] For example, after the server obtains the biometric information, it compares the biometric information with multiple biometric information in the database to determine the biometric information with a similarity greater than a certain threshold, and then determines the identity information corresponding to the biometric information with a similarity greater than a certain threshold as the user's identity information.

[0099] It should be noted that the database can be an SQLite database, or other databases; this application does not impose specific restrictions on this. It should also be noted that the database stores biometric information corresponding to the identity information of multiple users. This biometric information can be uploaded by the user before using the payment function, or it can be obtained from an authoritative institution; this application does not impose specific restrictions on this. This database is generally provided by a payment service provider, which associates the biometric information uploaded by users with their identity information; that is, different biometric information corresponds to different identity information.

[0100] For example, the second mapping relationship can be stored as a vocabulary file or as a correspondence graph. This application does not impose specific limitations on the storage method or format of the second mapping relationship. It should be noted that the second mapping relationship can be pre-set by the user before paying for the order.

[0101] The following will combine Figure 4 Examples are given for at least one verification method in the second mapping relationship and the deduction method corresponding to each verification method.

[0102] like Figure 4 As shown, the XX application is configured to use facial recognition verification to correspond to payment via Wallet A, left palm verification to correspond to payment via Bank Card A, and right palm verification to correspond to payment via Credit Card A. It should be understood that... Figure 4 The verification and deduction methods described are merely examples in this application and should not be construed as limiting the scope of this application.

[0103] It should be understood that after a user sets up at least one verification method and the corresponding deduction method for each of the at least one verification method on the XX application of the payment terminal, the payment terminal will send the mapping relationship between the set verification method and the deduction method to the server. The server will associate the received mapping relationship with the user's identity information and save it to the database.

[0104] In this embodiment, by determining the target deduction method corresponding to the target verification method in the second mapping relationship corresponding to the user's identity information, it is equivalent to establishing a connection between the target verification method and the target deduction method. On the one hand, this avoids the situation where different verification methods always use the same default deduction method, resulting in a poor user experience, when the deduction method and verification method are unrelated. On the other hand, when the user pays for an order, the target deduction method corresponding to the target verification method is directly obtained based on the second mapping relationship, without the user having to manually modify the deduction method, which not only improves payment efficiency but also enhances the user experience.

[0105] In some embodiments of this application, method 300 may further include:

[0106] If the order fails to be paid using the target payment method, the order will be paid using one of the candidate payment methods from among the multiple payment methods.

[0107] In this embodiment, if the deduction fails, the order is re-deducted using a candidate deduction method instead of being reported as a failure to the user, thereby further improving the user experience. In addition, re-deducting the order using a candidate deduction method when the deduction fails helps to improve the payment efficiency of the order.

[0108] In some embodiments of this application, the candidate deduction method is one of the multiple deduction methods that the user has used in the past.

[0109] In some embodiments of this application, the candidate deduction method includes the deduction method corresponding to the most recent successful deduction record in the user's historical deduction records among the plurality of deduction methods.

[0110] In other alternative embodiments, the candidate deduction method includes the deduction method among the plurality of deduction methods in which the user's historical usage count is greater than a preset number.

[0111] In some embodiments of this application, if a payment failure occurs when deducting payment for the order based on the candidate payment method, and the number of payment failures is less than a preset number, then the order is paid for based on an unused candidate payment method among the candidate payment methods.

[0112] It should be noted that the candidate deduction method includes M deduction methods, where M≥1; it should be understood that the preset number of times is less than or equal to the number of candidate deduction methods.

[0113] In this embodiment, on the one hand, if the payment for the order fails when deducting payment based on the target deduction method, there is no need to re-collect the user's target verification method. Instead, the payment can be directly retried using the candidate deduction method, which not only improves payment efficiency but also enhances user experience. On the other hand, the number of times the payment can be retried using the candidate deduction method is limited to a preset number, which avoids the problem of low payment efficiency and poor user experience caused by continuous payment failures.

[0114] In some embodiments of this application, if a payment failure occurs when deducting payment for the order based on the candidate payment method, and the number of payment failures is greater than or equal to the preset number, a prompt message to remind the user of the payment failure is output.

[0115] In some embodiments of this application, if the payment for the order is successfully deducted based on the candidate deduction method, a prompt message is output to remind the user of the successful deduction.

[0116] The following will combine Figure 5 This document provides an illustrative explanation of how to attempt to re-deduct payment from an order using a candidate payment method when a payment failure occurs while deducting payment for the order based on the target payment method.

[0117] Figure 5 This is another illustrative flowchart of the payment method 400 provided in this application embodiment. It should be noted that this method is applicable to any electronic device with data processing capabilities, such as... Figure 1 The server 130 shown or Figure 2 The server shown is 230.

[0118] like Figure 5 As shown, the method 400 includes:

[0119] S401, in response to a payment request from a payment terminal, determines the target payment method to be used when paying the order from among the user's multiple payment methods based on the target verification method.

[0120] S402, use this target deduction method to deduct the payment from the order.

[0121] S403, confirm if the payment was successfully deducted?

[0122] S404 If the deduction is successful, a notification message will be sent to the payment terminal to remind the user of the successful deduction.

[0123] S405 If the deduction fails, the system will attempt to deduct payment for the order based on the deduction method corresponding to the most recent successful deduction record in the user's historical deduction records.

[0124] S406, Confirm whether the payment was successfully deducted?

[0125] S408 If the deduction fails, the order will be re-deducted and paid based on the remaining deduction methods that were not tried in the historical preset time period.

[0126] S409, confirm if the payment was successfully deducted?

[0127] S411 If the deduction fails, a message will be sent to the payment terminal to remind the user of the failure.

[0128] Based on the above technical solution, if a payment failure occurs when using the target payment method, the system first attempts to deduct the payment from the order using the payment method corresponding to the most recent successful payment in the historical payment records. If the payment fails again, the system then attempts to deduct the payment from the remaining payment methods that were not tried within the preset historical payment time. On the one hand, the system does not provide feedback to the user when the payment fails for the first time, but instead uses other payment methods to re-deduct the payment from the order. This not only improves payment efficiency but also eliminates the need to re-collect the user's target verification method, thus enhancing the user experience. On the other hand, limiting the number of times the system can re-attempt payment using other payment methods for the user is limited avoids the problem of low payment efficiency and poor user experience caused by continuous payment failures.

[0129] The preferred embodiments of this application have been described in detail above with reference to the accompanying drawings. However, this application is not limited to the specific details of the above embodiments. Within the scope of the technical concept of this application, various simple modifications can be made to the technical solutions of this application, and these simple modifications all fall within the protection scope of this application. For example, the various specific technical features described in the above specific embodiments can be combined in any suitable manner without contradiction. To avoid unnecessary repetition, this application will not describe the various possible combinations separately. Furthermore, various different embodiments of this application can also be arbitrarily combined, as long as they do not violate the spirit of this application, they should also be considered as the content disclosed in this application.

[0130] It should also be understood that, in the various method embodiments of this application, the order of the above-mentioned processes does not imply the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of this application.

[0131] The method provided in the embodiments of this application has been described above. The payment device provided in the embodiments of this application will be described below.

[0132] Figure 6 This is a schematic block diagram of the payment device 500 provided in the embodiments of this application.

[0133] It should be noted that this payment device is a payment server, and this payment server can, as... Figure 1 The server 130 shown or such Figure 2 The server shown is 230.

[0134] like Figure 6 As shown, the payment device 500 includes:

[0135] The acquisition unit 510 is used to acquire the target verification method used when the user pays the order.

[0136] The determining unit 520 is used to determine the target deduction method to be used when paying the order among the user's multiple deduction methods, based on the target verification method;

[0137] Deduction unit 530 deducts payment from the order based on the target deduction method.

[0138] In some embodiments of this application, the acquisition unit 510 is specifically used for:

[0139] Obtain the user's motion image information;

[0140] Identify the target action in the action image information;

[0141] Obtain the first mapping relationship, and determine the verification method corresponding to the target action in the first mapping relationship as the target verification method;

[0142] The first mapping relationship includes at least one action and a verification method corresponding to each of the at least one action, wherein the at least one action includes the target action.

[0143] In some embodiments of this application, the determining unit 520 is specifically used for:

[0144] Obtain the user's biometric information when paying for the order;

[0145] Identify the biometric information and determine the identity information of the user corresponding to the biometric information;

[0146] Obtain the second mapping relationship corresponding to this identity information;

[0147] The second mapping relationship includes at least one verification method and a deduction method corresponding to each of the at least one verification method, wherein the at least one verification method includes the target verification method;

[0148] The deduction method corresponding to the target verification method in the second mapping relationship is determined as the target deduction method.

[0149] In some embodiments of this application, the deduction unit 530 is specifically used for:

[0150] If the payment for the order fails to be deducted based on the target deduction method, the payment for the order will be re-deducted based on the candidate deduction methods among the multiple deduction methods.

[0151] In some embodiments of this application, the candidate deduction method is one of the multiple deduction methods that the user has used in the past.

[0152] In some embodiments of this application, the candidate deduction method includes the deduction method corresponding to the most recent successful deduction record in the user's historical deduction records among the plurality of deduction methods.

[0153] In some embodiments of this application, the deduction unit 530 may also be used for:

[0154] If a payment failure occurs when deducting payment for the order based on the candidate payment method, and the number of payment failures is less than a preset number, then the payment for the order will be made based on an unused candidate payment method among the candidate payment methods.

[0155] In some embodiments of this application, the device 500 may further include an output unit, which is specifically used for:

[0156] If a payment failure occurs when deducting payment for the order based on the candidate payment method, and the number of payment failures is greater than or equal to the preset number, a prompt message to remind the customer of the payment failure will be output.

[0157] In some embodiments of this application, the output unit is further configured to:

[0158] If the payment for the order is successfully deducted based on the candidate payment method, a notification message will be displayed to remind the customer of the successful payment.

[0159] It should be understood that the payment device embodiments and method embodiments can correspond to each other, and similar descriptions can be referred to the method embodiments. To avoid repetition, further details are omitted here. Specifically, the payment device 500 can correspond to the corresponding entities executing methods 300 and 400 of the embodiments of this application, and each unit in the payment device 500 implements the corresponding processes in methods 300 and 400, respectively. For the sake of brevity, further details are omitted here.

[0160] It should also be understood that the various units in the payment device 500 involved in the embodiments of this application can be individually or entirely merged into one or more other units, or some of the units can be further divided into multiple functionally smaller units. This can achieve the same operation without affecting the technical effect of the embodiments of this application. The above-mentioned units are based on logical function division. In practical applications, the function of one unit can also be implemented by multiple units, or the function of multiple units can be implemented by one unit. In other embodiments of this application, the payment device 500 may also include other units. In practical applications, these functions can also be implemented with the assistance of other units, and can be implemented by multiple units working together. According to another embodiment of this application, the payment device 500 involved in the embodiments of this application and the payment method of the embodiments of this application can be constructed and implemented by running a computer program (including program code) capable of performing the steps involved in the corresponding method on a general-purpose computing device including processing elements and storage elements such as a central processing unit (CPU), random access storage medium (RAM), and read-only storage medium (ROM). The computer program may be recorded on, for example, a computer-readable storage medium, loaded into an electronic device through the computer-readable storage medium, and run therein to implement the corresponding methods of the embodiments of this application.

[0161] In other words, the units mentioned above can be implemented in hardware, in software instructions, or in a combination of hardware and software. Specifically, the steps of the method embodiments in this application can be completed by the integrated logic circuits in the processor's hardware and / or by software instructions. The steps of the method disclosed in the embodiments of this application can be directly manifested as being executed by a hardware decoding processor, or executed by a combination of hardware and software in the decoding processor. Optionally, the software can reside in a mature storage medium in the art, such as random access memory, flash memory, read-only memory, programmable read-only memory, electrically erasable programmable memory, registers, etc. This storage medium is located in memory, and the processor reads the information in the memory and completes the steps in the above method embodiments in conjunction with its hardware.

[0162] Figure 7 This is a schematic structural diagram of the electronic device 600 provided in the embodiments of this application.

[0163] like Figure 7As shown, the electronic device 600 includes at least a processor 610 and a computer-readable storage medium 620. The processor 610 and the computer-readable storage medium 620 can be connected via a bus or other means. The computer-readable storage medium 620 stores a computer program 621, which includes computer instructions. The processor 610 executes the computer instructions stored in the computer-readable storage medium 620. The processor 610 is the computing and control core of the electronic device 600, and is suitable for implementing one or more computer instructions, specifically for loading and executing one or more computer instructions to achieve a corresponding method flow or function.

[0164] As an example, processor 610 may also be referred to as a central processing unit (CPU). Processor 610 may include, but is not limited to: general-purpose processors, digital signal processors (DSPs), application-specific integrated circuits (ASICs), field-programmable gate arrays (FPGAs), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc.

[0165] As an example, the computer-readable storage medium 620 may be a high-speed RAM memory or a non-volatile memory, such as at least one disk storage device; optionally, it may also be at least one computer-readable storage medium located remotely from the aforementioned processor 610. Specifically, the computer-readable storage medium 620 includes, but is not limited to, volatile memory and / or non-volatile memory. The non-volatile memory may be read-only memory (ROM), programmable read-only memory (PROM), erasable programmable read-only memory (EPROM), electrically erasable programmable read-only memory (EEPROM), or flash memory. The volatile memory may be random access memory (RAM), which serves as an external cache. By way of example, but not limitation, many forms of RAM are available, such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDR SDRAM), Enhanced Synchronous DRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), and Direct Rambus RAM (DR RAM).

[0166] In one implementation, the electronic device 600 may be Figure 6 The payment device 500 shown; the computer-readable storage medium 620 stores computer instructions; the processor 610 loads and executes the computer instructions stored in the computer-readable storage medium 620 to implement... Figure 3 and Figure 5 The corresponding steps in the method embodiment shown are as follows; in specific implementation, the computer instructions in the computer-readable storage medium 620 are loaded and executed by the processor 610, and will not be described again here to avoid repetition.

[0167] According to another aspect of this application, embodiments of this application also provide a computer-readable storage medium (Memory), which is a memory device in electronic device 600 for storing programs and data. For example, computer-readable storage medium 620. It is understood that computer-readable storage medium 620 here may include both built-in storage media in electronic device 600 and extended storage media supported by electronic device 600. The computer-readable storage medium provides storage space that stores the operating system of electronic device 600. Furthermore, the storage space also stores one or more computer instructions suitable for loading and execution by processor 610, which may be one or more computer programs 621 (including program code).

[0168] The electronic device 600 may further include a transceiver 630, which can be connected to the processor 610 or the computer-readable storage medium 620.

[0169] The computer-readable storage medium 620 can control the transceiver 630 to communicate with other devices; specifically, it can send information or data to other devices or receive information or data sent by other devices. The transceiver 630 may include a transmitter and a receiver. The transceiver 630 may further include antennas, and the number of antennas may be one or more.

[0170] According to another aspect of this application, a computer program product or computer program is provided, which includes computer instructions stored in a computer-readable storage medium. For example, computer program 621. In this case, electronic device 600 may be a computer, and processor 610 reads the computer instructions from computer-readable storage medium 620, and executes the computer instructions, causing the computer to perform the payment methods provided in the various alternative methods described above.

[0171] In other words, when implemented using software, it can be implemented entirely or partially in the form of a computer program product. This computer program product includes one or more computer instructions. When these computer program instructions are loaded and executed on a computer, all or part of the processes of the embodiments of this application are run or the functions of the embodiments of this application are implemented. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable device. The computer instructions can be stored in a computer-readable storage medium or transmitted from one computer-readable storage medium to another. For example, the computer instructions can be transmitted from one website, computer, server, or data center to another via wired (e.g., coaxial cable, fiber optic, digital subscriber line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.) means.

[0172] Those skilled in the art will recognize that the units and process steps of the various examples described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, or a combination of computer software and electronic hardware. Whether these functions are implemented in hardware or software depends on the specific application and design constraints of the technical solution. Those skilled in the art can use different methods to implement the described functions for each specific application, but such implementation should not be considered beyond the scope of this application.

[0173] Finally, it should be noted that the above embodiments are merely specific implementations of this application, but the scope of protection of this application is not limited thereto. Any variations or substitutions that can be easily conceived by those skilled in the art within the scope of the technology disclosed in this application should be included within the scope of protection of this application. Therefore, the scope of protection of this application should be determined by the scope of the claims.

Claims

1. A payment method, characterized in that, include: The target verification method used when obtaining user payment orders; Obtain the biometric information of the user when paying for the order; Identify the biometric information and determine the identity information of the user corresponding to the biometric information, wherein the database stores biometric information corresponding to the identity information of multiple users respectively; Obtain a second mapping relationship corresponding to the identity information; wherein, the second mapping relationship includes at least one verification method and a deduction method corresponding to each of the at least one verification method, and the at least one verification method includes the target verification method; The deduction method corresponding to the target verification method in the second mapping relationship is determined as the target deduction method; The order will be deducted and paid based on the target deduction method.

2. The method according to claim 1, characterized in that, The target verification method used when obtaining user payment orders includes: Obtain the user's action image information; Identify the target action in the action image information; Obtain the first mapping relationship, and determine the verification method corresponding to the target action in the first mapping relationship as the target verification method; The first mapping relationship includes at least one action and a verification method corresponding to each of the at least one action, wherein the at least one action includes the target action.

3. The method according to claim 1, characterized in that, The method further includes: If the payment for the order fails to be deducted based on the target deduction method, the payment for the order will be deducted based on the candidate deduction method among the multiple deduction methods.

4. The method according to claim 3, characterized in that, The candidate deduction method is the deduction method that the user has used in the past among the multiple deduction methods.

5. The method according to claim 3, characterized in that, The candidate deduction method includes the deduction method corresponding to the most recent successful deduction record in the user's historical deduction records among the multiple deduction methods.

6. The method according to any one of claims 3 to 5, characterized in that, The method further includes: If a payment failure occurs when deducting payment for the order based on the candidate payment method, and the number of payment failures is less than a preset number, then the payment for the order will be made based on an unused candidate payment method among the candidate payment methods.

7. The method according to claim 6, characterized in that, The method further includes: If a payment failure occurs when deducting payment for the order based on the candidate payment method, and the number of payment failures is greater than or equal to the preset number, a prompt message to remind the customer of the payment failure will be output.

8. A payment device, characterized in that, include: The acquisition unit is used to obtain the target verification method used when a user pays a payment order. The determining unit is used to obtain the biometric information of the user when paying for the order; The process involves identifying the biometric information, determining the user's identity information corresponding to the biometric information, wherein the database stores biometric information corresponding to the identity information of multiple users; obtaining a second mapping relationship corresponding to the identity information; wherein the second mapping relationship includes at least one verification method and a deduction method corresponding to each of the at least one verification method, the at least one verification method including the target verification method; and determining the deduction method corresponding to the target verification method in the second mapping relationship as the target deduction method. The deduction unit is used to deduct payment from the order based on the target deduction method.

9. An electronic device, characterized in that, include: A processor, adapted to execute computer programs; A computer-readable storage medium storing a computer program that, when executed by the processor, implements the method as described in any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that, Used to store a computer program that causes a computer to perform the method as described in any one of claims 1 to 7.

11. A computer program product, comprising a computer program / instructions, characterized in that, When the computer program / instructions are executed by the processor, they implement the method as described in any one of claims 1 to 7.

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