Palm-based payment processing method and device

Abstract

The embodiment of the invention provides a palm-based payment processing method and device.The palm-based payment processing method comprises the steps that after a payment body checking request of a user for self-service order payment through a palm payment channel is obtained, the body checking permission of the user for payment body checking on a payment machine is transferred to a user terminal; and determining a target palm image in the reference palm image of the user according to the palm type of the palm image acquired by calling the rear camera by the user terminal, and performing payment verification on the user based on the palm image and the target palm image.

Description

[0001] This patent application is a divisional application of the Chinese patent application with application number CN202310333581.X, application date March 27, 2023, and invention name “Palm-based payment processing method and device”. Technical Field

[0002] This document relates to the field of data processing technology, and more particularly to a palm-based payment processing method and device. Background Art

[0003] With the continuous development of the Internet and information technology, users can pay in a variety of ways during or after enjoying services, such as cash payment, electronic payment, etc.; in the process of payment processing, electronic payment technology has become more and more common, and before payment, the user can be authenticated, and the order can be paid only after the user's true identity is confirmed to prevent the occurrence of payment by impersonating others. In this process, how to better manage the user's identity has gradually become the focus of attention of all parties. Summary of the invention

[0004] One or more embodiments of the present specification provide a palm-based payment processing method, comprising: obtaining a payment authentication request from a user for self-service order payment through a palm payment channel. The payment authentication request is generated after detecting that a payment machine configured based on a merchant performs a payment authentication action. In response to the payment authentication request, the authentication authority of the user for payment authentication at the payment machine is transferred to a user terminal. A palm image captured by the user terminal by calling a rear camera is received, and a target palm image is determined in a baseline palm image of the user according to the palm type of the palm image. Payment authentication is performed on the user based on the palm image and the target palm image, so that order payment processing is performed after the payment authentication is successful.

[0005] One or more embodiments of the present specification provide another palm-based payment processing method, comprising: obtaining an image acquisition instruction issued by a server, and entering an image acquisition page based on the image acquisition instruction. Obtaining a palm image of a user captured by calling a rear camera through the image acquisition page. Sending the palm image to the server to perform payment authentication on the user based on the palm image and a target palm image determined in a baseline palm image of the user based on the palm type. After the payment authentication is successful, order payment processing is performed. The image acquisition instruction is issued after a payment authentication request is detected for a self-service order payment made by the user through a palm payment channel. The payment authentication request is generated after a payment authentication action is performed on a payment machine configured based on the merchant.

[0006] One or more embodiments of the present specification provide a palm-based payment processing device, including: a request acquisition module, configured to obtain a payment authentication request from a user for self-service order payment through a palm payment channel. The payment authentication request is generated after detecting that a payment machine configured based on a merchant performs a payment authentication action. A permission transfer module, configured to transfer the authentication authority of the user for payment authentication at the payment machine to a user terminal in response to the payment authentication request. An image determination module, configured to receive a palm image captured by the user terminal using a rear camera, and determine a target palm image in a baseline palm image of the user based on the palm type of the palm image. The payment authentication module, configured to perform payment authentication on the user based on the palm image and the target palm image, so as to perform order payment processing after successful payment authentication.

[0007] One or more embodiments of the present specification provide another palm-based payment processing device, including: a page entry module, configured to obtain an image acquisition instruction issued by a server, and enter an image acquisition page based on the image acquisition instruction. An image acquisition module, configured to obtain a palm image of a user acquired by calling a rear camera through the image acquisition page. An image sending module, configured to send the palm image to the server, so as to perform payment authentication on the user based on the palm image and a target palm image determined in a baseline palm image of the user based on the palm type. Order payment processing is performed after the payment authentication is successful. The image acquisition instruction is issued after a payment authentication request is detected for a self-service order payment made by the user through a palm payment channel. The payment authentication request is generated after a payment authentication action is performed by a payment machine configured based on the merchant.

[0008] One or more embodiments of the present specification provide a palm-based payment processing device, including: a processor; and a memory configured to store computer-executable instructions, wherein when the computer-executable instructions are executed, the processor: obtains a payment authentication request from a user for self-service order payment through a palm payment channel. The payment authentication request is generated after detecting that a payment machine configured based on a merchant performs a payment authentication action. In response to the payment authentication request, the authentication authority of the user for payment authentication at the payment machine is transferred to a user terminal. A palm image captured by the user terminal using a rear camera is received, and a target palm image is determined in a baseline palm image of the user according to the palm type of the palm image. Payment authentication is performed on the user based on the palm image and the target palm image, so that order payment processing is performed after the payment authentication is successful.

[0009] One or more embodiments of the present specification provide another palm-based payment processing device, including: a processor; and a memory configured to store computer-executable instructions, wherein when the computer-executable instructions are executed, the processor: obtains an image acquisition instruction issued by a server, and enters an image acquisition page based on the image acquisition instruction. Obtains a palm image of a user acquired by calling a rear camera through the image acquisition page. Sends the palm image to the server to perform payment authentication on the user based on the palm image and a target palm image determined in a baseline palm image of the user based on the palm type. After the payment authentication is successful, order payment processing is performed. The image acquisition instruction is issued after a payment authentication request is detected for the user to make a self-service order payment through a palm payment channel. The payment authentication request is generated after a payment authentication action is performed based on a payment machine configured by a merchant.

[0010] One or more embodiments of the present specification provide a storage medium for storing computer-executable instructions, which implement the following process when executed by a processor: obtaining a payment authentication request from a user for self-service order payment through a palm payment channel. The payment authentication request is generated after detecting that a payment machine configured based on a merchant performs a payment authentication action. In response to the payment authentication request, the authentication authority of the user for payment authentication at the payment machine is transferred to a user terminal. Receive a palm image captured by the user terminal using a rear camera, and determine a target palm image in a baseline palm image of the user based on the palm type of the palm image. Perform payment authentication on the user based on the palm image and the target palm image, so as to process the order payment after the payment authentication is successful.

[0011] One or more embodiments of the present specification provide another storage medium for storing computer executable instructions, which implement the following process when executed by a processor: obtain an image acquisition instruction issued by a server, and enter an image acquisition page based on the image acquisition instruction. Obtain a palm image of the user captured by calling a rear camera through the image acquisition page. Send the palm image to the server to perform payment authentication on the user based on the palm image and a target palm image determined in the user's baseline palm image based on the palm type. After the payment authentication is successful, order payment processing is performed. Among them, the image acquisition instruction is issued after a payment authentication request from the user for self-service order payment through a palm payment channel is detected. The payment authentication request is generated after the payment authentication action is performed by the payment machine configured based on the merchant. BRIEF DESCRIPTION OF THE DRAWINGS

[0012] In order to more clearly illustrate one or more embodiments of the present specification or the technical solutions in the prior art, the drawings required for use in the embodiments or the prior art descriptions are briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in the present specification. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative labor. Figure 1 A schematic diagram of an implementation environment of a palm-based payment processing method provided for one or more embodiments of the present specification; Figure 2 A processing flow chart of a palm-based payment processing method provided for one or more embodiments of this specification; Figure 3 A schematic diagram of a registration page provided for one or more embodiments of this specification; Figure 4 A schematic diagram of an identification input page provided for one or more embodiments of this specification; Figure 5 A schematic diagram of a collection demonstration page provided for one or more embodiments of this specification; Figure 6 A schematic diagram of a palm collection page provided for one or more embodiments of this specification; Figure 7 A schematic diagram of an evaluation display page provided for one or more embodiments of this specification; Figure 8 A schematic diagram of a registration result page provided for one or more embodiments of this specification; Fig. 9 A processing flow chart of a palm-based payment processing method applied to a permission transfer scenario provided in one or more embodiments of this specification; Fig.10 A processing sequence diagram of a palm-based payment processing method applied to a palm payment scenario provided by one or more embodiments of this specification; Fig.11 Another palm-based payment processing method processing flow chart provided for one or more embodiments of this specification; Fig.12 A schematic diagram of an embodiment of a palm-based payment processing device provided for one or more embodiments of the present specification; Fig.13 A schematic diagram of another embodiment of a palm-based payment processing device provided for one or more embodiments of the present specification; Fig.14 A schematic diagram of the structure of a palm-based payment processing device provided for one or more embodiments of this specification; Fig.15 A schematic diagram of the structure of another palm-based payment processing device provided for one or more embodiments of this specification. DETAILED DESCRIPTION

[0013] In order to enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below in conjunction with the drawings in one or more embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this specification, not all of them. Based on one or more embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of this document.

[0014] Reference Figure 1 , a schematic diagram of an implementation environment of a palm-based payment processing method provided by one or more embodiments of this specification.

[0015] The palm-based payment processing method provided in one or more embodiments of this specification can be applied to the implementation environment of self-service order payment, which implementation environment at least includes the palm authentication server 101 of the palm authentication platform, or at least includes the payment server 102 of the payment platform or the merchant server.

[0016] In addition, the implementation environment may also include a user terminal 103, which may be configured with a palm authentication client, which may be in the form of an application, a subroutine within an application, a service module within an application, or a web program. The user terminal 103 cooperates with the authentication server 101 through the palm authentication client to perform palm-based payment processing.

[0017] In addition, the implementation environment may also include a payment machine 104, which may be configured with a payment authentication client. The client may be the same client as the palm authentication client configured for the user terminal 103, or may be a different client. The specific form of the client configured for the payment machine 104 may be an application, a subroutine within an application, a service module within an application, or a web program.

[0018] Among them, the authentication server 101 can be a server, or a server cluster composed of several servers, or one or more cloud servers in a cloud computing platform, which is used for palm-based payment processing. In combination with the actual payment processing scenario, the number and method of server deployment can be determined according to the magnitude of the number of payment authentication requests submitted within a time period. For example, when the number of requests is small, one or more servers can be deployed; for another example, when the number of requests reaches a certain magnitude, a server cluster composed of several servers can be deployed.

[0019] The payment server 102 may also be a single server, or a server cluster consisting of a plurality of servers, or one or more cloud servers in a cloud computing platform, for processing order payments.

[0020] The user terminal 103 can be a mobile phone, a personal computer, a tablet computer, an e-book reader, a device for information interaction based on VR (Virtual Reality, virtual reality technology), a vehicle-mounted terminal, an IoT device, a wearable smart device, a laptop computer and a desktop computer, etc. The user terminal 103 can be installed with an application or a browser, and submit a payment verification request through the application or the browser, or submit a payment verification request through a subroutine within the application.

[0021] The payment device 104 may be a smart terminal, a mobile phone, a personal computer, a tablet computer, an e-book reader, a device for information interaction based on VR (Virtual Reality), an IoT device, a wearable smart device, a laptop computer, a desktop computer, and the like.

[0022] In this implementation environment, after the authentication server 101 obtains the payment authentication request of the user for self-service order payment through the palm payment channel, the authentication server 101 can transfer the user's authentication authority for payment authentication at the payment machine to the user terminal 103, and generate an image acquisition instruction to send to the user terminal 103. It should be noted that the payment authentication request here can be generated after detecting that the payment machine 104 based on the merchant configuration performs a payment authentication action; on this basis, the user terminal 103 enters the image acquisition page through the image acquisition instruction to capture the palm image and send it to the authentication server 101. The authentication server 101 performs payment authentication on the user based on the palm type of the palm image, the target palm image and the target palm image determined in the user's baseline palm image, so as to perform order payment processing after the payment authentication is successful. The order payment processing can be performed by the payment server 102 here.

[0023] One or more embodiments of a palm-based payment processing method provided in this specification are as follows: The palm-based payment processing method provided in this embodiment transfers the user's payment authentication authority at the payment machine to the user terminal based on the payment authentication request of the user for self-service order payment through the palm payment channel; the payment authentication request is generated after detecting that the payment machine based on the merchant configuration performs the payment authentication action, thereby improving the diversity and flexibility of payment authentication, and according to the palm type of the palm image collected by the rear camera called by the user terminal, the target palm image is determined in the user's baseline palm image, and the user is authenticated for payment with the help of the palm image and the target palm image, so as to perform order payment processing after the payment authentication is successful, thereby improving the accuracy of payment authentication by determining the palm type, and then improving the success rate of payment authentication, and at the same time improving the convenience of payment authentication through the transfer of authentication authority, and reducing the probability of payment congestion.

[0024] Reference Figure 2 The palm-based payment processing method provided in this embodiment specifically includes steps S202 to S208.

[0025] Step S202, obtaining a payment authentication request for a user to make a self-service order payment through a palm payment channel.

[0026] The palm payment channel described in this embodiment includes a channel for order payment or payment authentication by collecting palm images; the self-service order payment includes the user paying the order by himself without the help of external personnel such as cashiers. The payment authentication request includes a payment verification request, that is, the identity verification of the user's self-service order payment. This embodiment can be applied to a server, and the server includes an authentication server for palm authentication.

[0027] In actual applications, the user's pending payment order can be generated at the merchant terminal, or at the payment machine configured by the merchant. In the process of paying the pending payment order, the user can be authenticated, that is, the user's identity can be verified during the payment process; considering that most users are averse to face-swiping payment, palm payment channels or palm payment methods can be introduced, specifically, by collecting palm images for order payment or payment authentication channels, thereby improving the flexibility of payment authentication.

[0028] Optionally, the payment verification request is generated after detecting that a payment machine based on the merchant configuration performs a payment verification action; optionally, the payment verification action includes: a scanning action of scanning the payment verification logo displayed by the display component of the payment machine through the rear camera, or a triggering action of the payment verification control displayed on the display component.

[0029] The size of the merchant may be greater than the preset size threshold, or may be less than or equal to the preset size threshold, which is not specifically limited here. For example, the merchant may be a large supermarket, or a small merchant store, such as a small restaurant. In addition, the merchant includes a self-service merchant, which means that there are no merchant personnel, and the user selects goods or services by himself in the merchant store of the self-service merchant, and pays for the self-service order through the payment machine configured by the self-service merchant or through the user terminal. The user terminal refers to the terminal device of the user.

[0030] The payment machine configured by the merchant includes a machine for making payments, such as a self-service checkout machine in a supermarket; the payment machine may be configured with a display component, such as a display screen; the payment verification identifier includes a payment verification code, which may be in the form of a QR code or a barcode. In addition, the payment verification code may also be in other forms; the payment machine configured by the merchant may display the user's pending payment orders, and the payment machine may have the function of paying by swiping the face or entering a payment key. Optionally, the payment machine configured by the merchant does not have the function of collecting palm images, that is, the payment verification cannot be performed by collecting palm images through the payment machine.

[0031] The payment authentication action includes the action of performing payment authentication by collecting a palm image; in addition, the payment authentication action includes an authentication transfer action, that is, the payment authentication action can be a transfer action of transferring the user's authentication authority for payment authentication at a payment machine to a user terminal.

[0032] In specific implementation, after detecting that the user performs a payment verification action based on the payment machine configured by the merchant, a payment verification request for the user to make a self-service order payment through the palm payment channel can be generated; in actual applications, in one case, the user can scan the payment verification code displayed on the display component of the payment machine configured by the merchant through the rear camera or front camera of the user terminal, and the user terminal submits the payment verification request by scanning the payment verification code; in another case, the user can trigger the payment verification control displayed on the display component of the payment machine configured by the merchant, and submit the payment verification request by triggering the payment verification control. The payment verification request here can be submitted by the payment machine to the server.

[0033] Optionally, the payment verification request can be submitted through a user terminal or a payment machine; optionally, the payment verification request is submitted by the user terminal after the user terminal scans the payment verification logo displayed on the display component of the payment machine through a rear camera, or is submitted by the payment machine after the payment machine detects that the payment verification control displayed on the display component is triggered.

[0034] During the specific execution process, the user can enter the subroutine to call the rear camera to scan the payment verification logo displayed on the display component of the payment machine. In this case, the verification subroutine of the user terminal submits a payment verification request to the server, and the subroutine of the user terminal interacts with the server; in addition, the user can also trigger the payment verification control displayed by the display component of the payment machine to call the payment verification interface to jump from the merchant subroutine to the verification subroutine, submit the payment verification request to the server through the verification applet, and jump from the verification subroutine to the merchant subroutine after the payment verification is passed.

[0035] In actual applications, when a user makes an order payment on a payment machine, a payment verification mark can be displayed on a display component of the payment machine. In order to improve the convenience of users scanning the payment verification mark through a user terminal and improve the user experience, before obtaining a payment verification request for a user to make a self-service order payment through a palm payment channel, the display position data of the payment verification mark of the payment machine can be determined based on the palm operation data of the user detected by a sensor called by the user terminal and sent to the payment machine, so as to submit the payment verification request based on the payment verification mark displayed based on the display position data. Specifically, in an optional implementation manner provided by this embodiment, before obtaining a payment verification request for a user to make a self-service order payment through a palm payment channel, the following operations are also performed: Acquire the palm operation data of the user detected by the user terminal calling the sensor; The display position data of the payment authentication identifier on the payment machine is determined based on the palm operation data, and the payment authentication request is sent to the payment machine to submit the payment authentication identifier displayed based on the display position data.

[0036] Accordingly, the user terminal may perform the following operations: calling the sensor to detect the palm operation data of the user; uploading the palm operation data to the server to determine the display position data of the payment authentication logo on the payment machine based on the palm operation data.

[0037] The sensor includes a light sensor; the palm operation data includes the light shielding data of the display component when the user's palm operates the user terminal; and the display position data includes the display position data of the payment identification mark on the display component of the payment machine.

[0038] Specifically, the user terminal can call the light sensor to detect the light blocking data of the display component when the user's palm operates the display component, and upload the light blocking data to the server. The server obtains the light blocking data of the user detected by the user terminal calling the light sensor, and determines the user's operating palm type based on the light blocking data. The operating palm type refers to the type of palm used by the user to operate the user terminal, that is, determines whether the user operates the user terminal with a left palm type or a right palm type, and determines the display position data of the payment verification logo on the payment machine according to the user's operating palm type, and sends it to the payment machine to submit a payment verification request based on the payment verification logo displayed based on the display position data.

[0039] The above process of determining the user's operating palm type based on the light blocking data, and determining the display position data of the payment verification mark on the payment machine according to the user's operating palm type, can be achieved by determining the light blocking area of ​​the user's palm on the display component of the user terminal based on the light blocking data, determining the user's operating palm type based on the light blocking area, and if the operating palm type is a preset palm type, determining the display position of the payment verification mark on the payment machine as the first display position, and if the operating palm type is not a preset palm type, determining the display position of the payment verification mark on the payment machine as the second display position. If the light blocking area is the left area of ​​the display component of the user terminal, the user's operating palm type can be determined to be a left palm type, and if the light blocking area is the right area of ​​the display component of the user terminal, the user's operating palm type can be determined to be a right palm type.

[0040] Among them, the preset palm type can be a left palm type or a right palm type. If the preset palm type is the left palm type and the operating palm type is the preset palm type, the display position of the payment verification logo in the payment machine is determined as the target position in the right area of ​​the payment machine. When the preset palm type is the left palm type and the operating palm type is not the preset palm type, the display position of the payment verification logo in the payment machine is determined as the target position in the left area of ​​the payment machine; if the preset palm type is the right palm type and the operating palm type is the preset palm type, the display position of the payment verification logo in the payment machine is determined as the target position in the left area of ​​the payment machine. When the preset palm type is the right palm type and the operating palm type is not the preset palm type, the display position of the payment verification logo in the payment machine is determined as the target position in the right area of ​​the payment machine.

[0041] It should be added that before obtaining the payment authentication request of the user for self-service order payment through the palm payment channel, the user can also obtain the authentication failure reminder of the payment authentication at the payment machine. Based on the authentication failure reminder, the channel identifier of the authentication transfer channel or the payment authentication channel for authentication authority transfer can be sent to the payment machine; optionally, the channel identifier of the authentication transfer channel includes the control identifier of the payment authentication control and / or the payment authentication code. The user can perform the payment authentication action based on the authentication transfer channel of the payment machine and generate a payment authentication request.

[0042] Step S204: In response to the payment authentication request, the authentication authority of the user for performing payment authentication at the payment machine is transferred to the user terminal.

[0043] The above-mentioned payment authentication request of the user for self-service order payment through the palm payment channel is obtained. In this step, in order to improve the flexibility and convenience of the user's payment authentication, after obtaining the payment authentication request, the user's authentication authority for payment authentication at the payment machine is transferred to the user terminal. The authentication authority described in this embodiment includes the user's verification authority for identity verification during the process of order payment by the payment machine.

[0044] In specific implementation, before the user is authenticated through the palm of the hand for payment, a reference palm image of the user may be collected for authentication of the user for payment based on the palm image collected in real time and the reference palm image; optionally, the reference palm image is bound to the payment identification of the user; the authentication authority is opened to the user after the binding relationship is established. The payment identification includes a payment account.

[0045] In the specific execution process, in an optional implementation provided by this embodiment, in the process of transferring the user's authentication authority for payment authentication at the payment machine to the user terminal, in order to timely capture the user's palm image, the following operations are performed: the authentication authority is transferred to the user terminal, and after the transfer, an image capture instruction is generated and sent to the user terminal.

[0046] Specifically, after the server obtains the payment authentication request of the user for self-service order payment through the palm payment channel, the server transfers the user's authentication authority for payment authentication at the payment machine to the user terminal, and generates an image acquisition instruction after the transfer and sends it to the user terminal. The user terminal obtains the image acquisition instruction issued by the server, and enters the image acquisition page based on the image acquisition instruction. The user terminal can obtain the user's palm image captured by calling the rear camera or the front camera through the image acquisition page; wherein, the image acquisition instruction includes an instruction for instructing the user to capture a palm image, and the image acquisition page includes a page for capturing a palm image.

[0047] In actual applications, specific users have difficulties in operating mobile phones. For example, elderly users are not familiar enough with mobile phones and are not proficient in operation. In view of this, in order to improve the convenience of payment verification for specific users and improve the success rate and pass rate of payment verification for specific users, the palm capture video stream of the user terminal capturing the palm image can be synchronized to the payment machine, that is, the user can view the process of the user terminal capturing or shooting the palm image on the payment machine, reducing the number of operations of the user terminal by the specific user, and improving the perception of the specific user through the payment machine. In an optional implementation mode provided by this embodiment, in response to the payment authentication request, the user's authentication authority for payment authentication at the payment machine is transferred to the user terminal for execution, and the palm capture video stream sent by the user terminal is sent to the payment machine. In this process, the following operations are specifically performed: Acquire a palm capture video stream sent by the user terminal; optionally, the palm capture video stream is acquired by capturing the rear camera when a display component of the user terminal is in a preset display state; The palm capture video stream is sent to the payment machine, so that the palm image is determined in the palm capture video stream by the payment machine.

[0048] Correspondingly, the user terminal can perform the following operations: obtain the palm capture video stream captured by calling the rear camera through the image capture page when the display component is in a preset display state; send the palm capture video stream to the server to send it to the payment machine to determine the palm image.

[0049] Wherein, the rear camera includes the rear camera of the user terminal; the preset display state includes the dormant state or black screen state of the display screen of the user terminal. The palm acquisition video stream refers to the video stream acquired during the process of acquiring the user's palm image, such as the video stream acquired during the process of adjusting the distance or position of the user's palm. Optionally, the palm acquisition video stream is acquired when the display component of the user terminal is in a preset display state after obtaining the authorization instruction of the user.

[0050] Specifically, after the user terminal obtains the image capture instruction sent by the server, the user terminal can enter the image capture page when the display component is in a preset display state, obtain the palm capture video stream captured by calling the rear camera or the front camera through the image capture page when the display component is in a preset display state, and send the palm capture video stream to the server. The server obtains the palm capture video stream sent by the user terminal and sends the palm capture video stream to the payment machine, so that the palm image can be determined in the palm capture video stream through the payment machine.

[0051] After the server sends the palm collection video stream to the payment machine so that the payment machine determines the palm image in the palm collection video stream, in an optional implementation manner provided by this embodiment, the following operations are performed: receiving a confirmation instruction for the palm image in the palm capture video stream sent by the payment machine; The determination instruction is sent to the user terminal to upload the palm image to the server.

[0052] Correspondingly, the user terminal can perform the following operations: obtain the confirmation instruction of the palm image in the palm capture video stream sent by the payment machine and issued by the server; based on the confirmation instruction, obtain the palm image captured by calling the rear camera through the image capture page.

[0053] The determination instruction may be generated after detecting that the collection control of the display component of the payment machine is triggered; the determination instruction includes an instruction to determine the palm image in the palm collection video stream. The determination instruction includes an image shooting instruction.

[0054] In addition, after the server sends the palm capture video stream to the payment machine so that the payment machine determines the palm image in the palm capture video stream, in order to further reduce the operation frequency of specific users on the user terminal or the payment machine and improve the convenience of specific users, the server can receive a preset number of target palm capture images in the palm capture video stream collected by the user terminal through a timed capture task, and filter out the palm capture image from the target palm capture image according to the image index of the target palm capture image as the palm image collected by the user terminal calling the rear camera, that is, as the palm image for payment authentication.

[0055] The timed acquisition task includes the task of regularly acquiring or photographing a palm image in a palm acquisition video stream, such as photographing a palm image every 3 seconds. The preset number may be one or more.

[0056] Step S206, receiving the palm image captured by the user terminal by calling the rear camera, and determining the target palm image in the user's reference palm image according to the palm type of the palm image.

[0057] The above-mentioned server transfers the user's authentication authority for payment authentication at the payment machine to the user terminal. The specific server can transfer the authentication authority to the user terminal, and generate an image acquisition instruction after the transfer and send it to the user terminal. Correspondingly, the user terminal obtains the image acquisition instruction issued by the server, and enters the image acquisition page based on the image acquisition instruction, obtains the user's palm image captured by calling the rear camera through the image acquisition page, and sends the palm image to the server. In this step, the server receives the palm image captured by the user terminal calling the rear camera, and determines the target palm image in the user's baseline palm image with the help of the palm type of the palm image.

[0058] The palm image in this embodiment refers to an image of the user's palm collected in real time; the palm type includes a left palm type and a right palm type; and the reference palm image includes a palm image that serves as a comparison reference for payment authentication.

[0059] In specific implementation, after receiving the palm image captured by the rear camera called by the user terminal, the server can identify the palm type of the palm image, and select a palm image consistent with the palm type from the user's baseline palm image as the target palm image based on the palm type.

[0060] Specifically, in the process of identifying the palm type of a palm image, the palm type may be determined based on the palm shape features and / or palm orientation features in the palm image, and a palm image consistent with the palm type may be selected from the user's baseline palm image as the target palm image.

[0061] In practical applications, a user's reference palm image can be obtained in advance for payment authentication, thereby improving the convenience of payment authentication. In an optional implementation provided in this embodiment, the reference palm image is composed of a first palm image and a second palm image; the second palm image is collected after the image evaluation of the first palm image passes, and the first palm image and the second palm image are used as reference palm images after the image evaluation of the second palm image passes. Specifically, the reference palm image can be obtained in the following manner: Based on the collection instruction submitted by the user through the subroutine, obtaining the payment identifier input by the user and performing identity verification on the user based on the payment identifier; After the verification is passed, calling the rear camera to capture a first palm image of the user, and after the image evaluation of the first palm image is passed, capturing a second palm image of the user; If the image evaluation of the second palm image passes, the first palm image and the second palm image are used as the reference palm images; if the image evaluation of the second palm image fails, no processing is performed.

[0062] Among them, the image evaluation of the first palm image includes at least one of the following: image clarity evaluation, palm integrity evaluation, and image exposure evaluation; the image evaluation of the second palm image includes at least one of the following: image clarity evaluation, palm integrity evaluation, image exposure evaluation, palm type evaluation, palm skin evaluation (palm color evaluation), and mirror image similarity evaluation with the first palm image.

[0063] Specifically, the user terminal can submit a collection instruction or a registration instruction through the registration page of the subprogram, the server obtains the collection instruction or the registration instruction submitted by the user through the registration page of the subprogram, and sends the identification input page data to the user terminal. The user terminal generates an identification input page based on the identification input page data, and inputs the payment identification through the identification input page and submits it to the server. The server obtains the payment identification entered by the user and verifies the identity of the user based on the payment identification. After the verification is passed, the user terminal generates and displays a collection demonstration page, generates and displays a first collection page by triggering the start instruction of the collection demonstration page, and calls the rear camera through the first collection page. A first palm image of the user is collected, and an image evaluation of the first palm image can be performed on the user terminal, or the first palm image can be uploaded to a server, and the server performs an image evaluation of the first palm image. After the image evaluation of the first palm image passes, the user terminal generates and displays a second collection page, and the rear camera is called through the second collection page to collect the second palm image of the user. Similarly, an image evaluation of the second palm image can be performed on the user terminal, or the second palm image can be uploaded to a server, and the server performs an image evaluation of the second palm image. If the image evaluation of the second palm image passes, the first palm image and the second palm image are used as the user's baseline palm images.

[0064] like Figure 3 The registration page shown in FIG. 10 can be used by the user to trigger the 301 control to submit a collection instruction or a registration instruction. After the user terminal obtains the collection instruction or the registration instruction, the following is displayed: Figure 4 The identification input page shown in FIG. 401 displays the payment key input by the user in the 401 area. After the user's identity is verified based on the payment key, the user terminal generates a Figure 5 In the collection demonstration page shown in FIG. 501, the area 501 shows the user the correct collection method for collecting palm collection. After the user terminal detects that the start shooting control 502 is triggered, the rear camera is called to collect the user's first palm image. After the image evaluation of the first palm image passes, the following is generated and displayed: Figure 6 In the palm collection page shown in FIG. 6 , after the user triggers the start shooting control 601, the rear camera is called to collect the user's second palm image. After the image evaluation of the second palm image is passed, the user terminal generates and displays the following Figure 7The evaluation display page shown in FIG. 1 shows that after the user triggers the completion control 701, the user terminal Figure 7 The evaluation display page shown jumps to Figure 8 On the registration result page shown, the user terminal submits the user's baseline palm image to the server. The server can bind the payment ID based on the baseline palm image and enable the user to perform payment authentication at the payment machine. Palm swiping payment means that the user's authentication authority has been activated and the user's payment ID, such as the deduction account, has been bound.

[0065] In an optional implementation manner provided by this embodiment, in order to avoid the first palm image and the second palm image collected by the user being images of the same palm type, resulting in image waste of the reference palm image, the image evaluation of the second palm image includes: Based on the palm shape feature in the second palm image, identifying the palm type of the second palm image; If the palm type is inconsistent with the palm type of the first palm image, determining that the image evaluation of the second palm image passes; If the palm type is inconsistent with the palm type of the first palm image, it is determined that the image evaluation of the second palm image fails.

[0066] The palm shape feature refers to feature data representing the shape of the palm; the palm type includes left palm type and right palm type.

[0067] In addition, in order to further improve the effectiveness of the image evaluation of the second palm image, improve the effectiveness of the reference palm image, avoid the first palm image and the second palm image being collected as palm images of different users, and ensure that the first palm image and the second palm image are both palm images of the same user, the second palm image may be evaluated according to the mirror image similarity between the first palm image and the second palm image. In another optional implementation manner provided by this embodiment, the image evaluation of the second palm image includes: Calculating the mirror image similarity of the palms based on the first palm image and the second palm image; If the mirror image similarity is greater than the similarity threshold, it is determined that the image evaluation of the second palm image passes; If the mirror image similarity is less than or equal to the similarity threshold, it is determined that the image evaluation of the second palm image fails.

[0068] In addition, the image evaluation of the second palm image may also include: calculating the skin color matching degree based on the first palm image and the second palm image; if the skin color matching degree is greater than the matching degree threshold, determining that the image evaluation of the second palm image passes; if the skin color matching degree is less than or equal to the matching degree threshold, determining that the image evaluation of the second palm image fails.

[0069] It should be added that, if the image evaluation of the second palm image passes, the above-mentioned user terminal can upload the first palm image and the second palm image as reference palm images to the server, and the server can establish a binding relationship between the reference palm image and the user's payment identifier, and after the binding relationship is established, open up the authentication authority for the user to perform payment authentication at the payment machine, and the authentication authority includes the authentication authority for payment authentication through the palm at the payment machine.

[0070] Step S208, performing payment authentication on the user based on the palm image and the target palm image, so as to perform order payment processing after the payment authentication is successful.

[0071] The server receives the palm image captured by the user terminal through the rear camera, and determines the target palm image in the user's baseline palm image according to the palm type of the palm image. In this step, the server performs payment authentication on the user based on the palm image and the target palm image, so as to process the order payment after the payment authentication is successful, thereby improving the security of the order payment. The payment authentication described in this embodiment includes identity verification performed during the payment process.

[0072] In specific implementation, in the process of performing payment authentication on the user based on the palm image and the target palm image, in order to improve the accuracy and effectiveness of payment authentication, the feature similarity can be calculated based on the first key feature extracted from the palm image and the second key feature extracted from the target palm image. If the feature similarity is greater than the similarity threshold, it is determined that the payment authentication is successful. In an optional implementation manner provided in this embodiment, in the process of performing payment authentication on the user based on the palm image and the target palm image, the following operations are performed: extracting a first key feature from the palm image and extracting a second key feature from the target palm image; Calculating feature similarity between the palm image and the target palm image based on the first key feature and the second key feature; If the feature similarity is greater than the similarity threshold, it is determined that the payment authentication is successful; if the feature similarity is less than or equal to the similarity threshold, it is determined that the payment authentication has failed.

[0073] Optionally, the first key feature includes at least one of the following: palm print feature, key point feature, skin feature; the second key feature includes at least one of the following: palm print feature, key point feature, skin feature. The key point feature includes the key point feature of the fingers in the palm, such as the key point at the root of the fingers in the palm. The skin feature in this embodiment includes the skin color of the palm or the palm color.

[0074] Specifically, the first palm print feature, the first key point feature and / or the first skin feature can be extracted from the palm image, and the second palm print feature, the second key point feature and / or the second skin feature can be extracted from the target palm image; based on the first palm print feature, the first key point feature and / or the first skin feature and the second palm print feature, the second key point feature and / or the second skin feature, the feature similarity between the palm image and the target palm image is calculated; if the feature similarity is greater than a similarity threshold, it is determined that the payment authentication is successful; if the feature similarity is less than or equal to the similarity threshold, it is determined that the payment authentication has failed.

[0075] After the feature similarity between the palm image and the target palm image is calculated based on the first key feature and the second key feature, in order to improve the effectiveness of payment authentication, when the feature similarity is less than or equal to the similarity threshold, a second payment authentication opportunity is provided to the user whose feature similarity is within the retry value interval. In an optional implementation manner provided in this embodiment, after the feature similarity between the palm image and the target palm image is calculated based on the first key feature and the second key feature, the following operation is also performed: If the feature similarity is less than or equal to the similarity threshold, determining whether the feature similarity is within a retry value interval; When the retry value interval is within the retry value interval, a secondary palm image captured by the user terminal is received, and a secondary payment authentication is performed on the user based on the secondary palm image.

[0076] Among them, the retry value interval includes a value interval of feature similarity for secondary palm image acquisition, for example, the similarity threshold is 90%, and the retry value interval is 60%-80%. When the feature similarity is less than or equal to the similarity threshold, it is determined whether the feature similarity is within 60%-80%. If the feature similarity is within the retry value interval, the user terminal acquires a secondary palm image and sends it to the server. The server receives the secondary palm image acquired by the user terminal through the rear camera or the front camera, and performs secondary payment authentication on the user based on the secondary palm image, that is, determines the target image in the baseline palm image according to the palm type of the secondary palm image, and performs payment authentication on the user based on the secondary palm image and the target image. The payment authentication process here is similar to the above-mentioned payment authentication process, and this embodiment will not be repeated here.

[0077] In the specific execution process, after the server performs payment authentication on the user based on the palm image and the target palm image, if the payment authentication is successful, the server generates a successful authentication reminder and sends it to the payment server, and the payment server performs order payment processing; in an optional implementation manner provided in this embodiment, the order payment processing includes: Determine the fund account associated with the user's payment identifier, and deduct money from the fund account based on the order amount.

[0078] The payment identification includes the payment account and also includes the login account of the user when collecting the reference palm image.

[0079] In actual applications, some users may have palm skin diseases or other emergencies, which may lead to payment authentication failure or even payment authentication failure several times. In view of this, in order to encourage users to pass payment authentication as soon as possible and reduce the occurrence of payment congestion, in the case of payment authentication failure, the secondary payment authentication result of the user can be determined based on the associated palm image of the user's associated user; in an optional implementation manner provided by this embodiment, after the payment authentication of the user is performed based on the palm image and the target palm image, the following operations are also performed: If the payment authentication fails, a authentication failure reminder is sent to the user terminal to display the associated authentication entry; Determine the associated user selected after the user terminal triggers the associated authentication entry, and send an associated authentication application to the associated user; The secondary payment authentication result of the user is determined according to the associated palm image uploaded by the associated user.

[0080] The associated users include users who have an associated relationship with the user; the associated relationship includes a relative relationship, a friend relationship, a colleague relationship, etc.

[0081] Specifically, the process of determining the secondary payment authentication result of the user based on the associated palm image uploaded by the associated user can be achieved by determining the baseline image of the associated user based on the associated palm image uploaded by the associated user, and performing secondary payment authentication on the user based on the associated palm image and the baseline image; the secondary payment authentication process here is similar to the above-mentioned payment authentication processing process, and this embodiment will not be repeated here.

[0082] It should be noted that the rear camera of the user terminal in this embodiment can be replaced by a front camera, and the front camera of the user terminal can also be replaced by a rear camera.

[0083] In summary, one or more palm-based payment processing methods provided in this embodiment transfer the user's authentication authority for payment authentication at the payment machine to the user terminal according to the payment authentication request of the user for self-service order payment through the palm payment channel, receive the palm image collected by the user terminal calling the rear camera, and determine the target palm image in the user's reference palm image according to the palm type of the palm image; A first key feature is extracted from the palm image and a second key feature is extracted from the target palm image. Based on the first key feature and the second key feature, the feature similarity between the palm image and the target palm image is calculated. If the feature similarity is greater than the similarity threshold, it is determined that the payment authentication is successful, and a successful authentication reminder is sent to the payment server to process the order payment. In this way, the accuracy of payment authentication is improved by determining the palm type, thereby improving the success rate of payment authentication. At the same time, the convenience of payment authentication is improved by transferring authentication authority, and the probability of payment congestion is reduced.

[0084] The following takes the application of a palm-based payment processing method provided by this embodiment in a permission transfer scenario as an example to further illustrate the palm-based payment processing method provided by this embodiment. Fig. 9 , a palm-based payment processing method applied to the permission transfer scenario specifically includes the following steps.

[0085] Step S902, obtaining a payment authentication request for a user to make a self-service order payment through a palm payment channel.

[0086] Optionally, the payment verification request can be submitted through a user terminal or a payment machine; optionally, the payment verification request is submitted by the user terminal after the user terminal scans the payment verification code displayed on the display screen of the payment machine through the rear camera, or is submitted by the payment machine after the payment machine detects that the payment verification control displayed by the display component is triggered.

[0087] Step S904, in response to the payment authentication request, the user's authentication authority for payment authentication at the payment machine is transferred to the user terminal, and after the transfer, an image capture instruction is generated and sent to the user terminal.

[0088] Step S906, obtaining a palm video stream sent by the user terminal and collected by calling the rear camera when the display screen is in a black screen state.

[0089] Step S908: Send the palm capture video stream to the payment machine to display the palm capture video stream.

[0090] Step S910: Acquire a palm image in a palm collection video stream collected by a timed collection task and sent by a user terminal.

[0091] Step S912: determining a target palm image in the user's reference palm image according to the palm type of the palm image.

[0092] Step S914: extracting a first key feature from the palm image and extracting a second key feature from the target palm image.

[0093] Optionally, the first key feature includes a first palm print feature, a first key point feature and / or a first skin feature; the second key feature includes a second palm print feature, a second key point feature and / or a second skin feature.

[0094] Step S916: Calculate the feature similarity between the palm image and the target palm image based on the first key feature and the second key feature.

[0095] Specifically, the palmprint similarity, key point similarity and / or skin color similarity may be calculated based on the first palmprint feature, the first key point feature and / or the first skin feature and the second palmprint feature, the second key point feature and / or the second skin feature.

[0096] Step S918: If the feature similarity is greater than the similarity threshold, it is determined that the user's payment authentication is successful, and a successful authentication reminder is sent to the payment server to process the order payment.

[0097] Specifically, if the above calculation obtains any one of the palm print similarity, key point similarity and skin color similarity, then the user's payment authentication is successful if the similarity of any one is greater than the similarity threshold; if the calculation obtains any multiple of the palm print similarity, key point similarity and skin color similarity, then the user's payment authentication is successful if the similarities of any multiple ones are all greater than the corresponding similarity threshold; if any of the multiple similarities has a similarity less than the similarity threshold, then the user's payment authentication fails.

[0098] It should be added that the above step S918 can be replaced by determining that the user's payment authentication has failed if the feature similarity is less than or equal to the similarity threshold.

[0099] The following takes the application of a palm-based payment processing method provided by this embodiment in a palm payment scenario as an example to further illustrate the palm-based payment processing method provided by this embodiment. Fig.10 , a palm-based payment processing method applied to a palm payment scenario specifically includes the following steps.

[0100] Step S1006, obtaining a payment authentication request submitted by the user terminal for self-service order payment through the palm payment channel.

[0101] Step S1008, in response to the payment authentication request, the user's authentication authority for payment authentication at the payment machine is transferred to the user terminal, and after the transfer, an image capture instruction is generated and sent to the user terminal.

[0102] Step S1016, obtaining the palm capture video stream sent by the user terminal, and sending the palm capture video stream to the payment machine.

[0103] Step S1022: receiving a palm image captured by the user terminal, and determining a target palm image in the user's reference palm image according to the palm type of the palm image.

[0104] Step S1024, based on the first key feature of the palm image and the second key feature of the target palm image, the user is authenticated for payment, so as to process the order payment after the payment authentication is successful.

[0105] Optionally, the first key feature includes a first palm print feature, a first key point feature and / or a first skin feature; the second key feature includes a second palm print feature, a second key point feature and / or a second skin feature.

[0106] Steps S1006 to S1008, step S1016, and steps S1022 to S1024 provided in this embodiment may be executed by the server. It should be noted that the process of steps S1006 to S1008, step S1016, and steps S1022 to S1024 executed by the server is compatible with the process of steps S1002 to S1004, steps S1010 to S1014, and steps S1018 to S1020 executed by the user terminal provided in the following embodiments. Therefore, when reading this embodiment, please refer to the relevant contents of the following steps S1002 to S1004, steps S1010 to S1014, and steps S1018 to S1020. Correspondingly, when reading the process of the following steps S1002 to S1004, steps S1010 to S1014, and steps S1018 to S1020, please also refer to the relevant contents of steps S1006 to S1008, step S1016, and steps S1022 to S1024 provided in this embodiment.

[0107] One or more embodiments of another palm-based payment processing method provided in this specification are as follows: Reference Fig.11 The palm-based payment processing method provided in this embodiment specifically includes steps S1102 to S1106.

[0108] The palm-based payment processing method provided in this embodiment can be applied to user terminals, and the palm-based payment processing method provided in the above embodiments can be applied to servers. The palm-based payment processing method applicable to user terminals provided in this embodiment cooperates with the palm-based payment processing method applicable to servers provided in the above embodiments during execution. When reading this embodiment, reference can be made to the relevant contents of the above embodiments, and accordingly, when reading the above embodiments, reference can be made to the corresponding contents of this embodiment.

[0109] Step S1102: obtaining an image acquisition instruction issued by the server, and entering an image acquisition page based on the image acquisition instruction.

[0110] Optionally, the image acquisition instruction is issued after detecting the payment authentication request of the user for self-service order payment through the palm payment channel; the payment authentication request is generated after the payment authentication action is performed by the payment machine configured by the merchant. In specific implementation, the server obtains the payment authentication request of the user for self-service order payment through the palm payment channel, and in response to the payment authentication request, transfers the authentication authority of the user for payment authentication at the payment machine to the user terminal. Specifically, the authentication authority is transferred to the user terminal, and after the transfer, an image acquisition instruction is generated and issued to the user terminal.

[0111] The palm payment channel includes a channel for order payment or payment authentication by collecting palm images; the self-service order payment includes a user paying for an order by himself without the help of external personnel such as cashiers. The payment authentication request includes a payment verification request, that is, an identity verification is performed on the user's self-service order payment. This embodiment can be applied to a user terminal.

[0112] In actual applications, the user's pending payment order can be generated at the merchant terminal, or at the payment machine configured by the merchant. In the process of paying the pending payment order, the user can be authenticated, that is, the user's identity can be verified during the payment process; considering that most users are averse to face-swiping payment, palm payment channels or palm payment methods can be introduced, specifically, by collecting palm images for order payment or payment authentication channels, thereby improving the flexibility of payment authentication.

[0113] Optionally, the payment verification request is generated after detecting that a payment machine based on the merchant configuration performs a payment verification action; optionally, the payment verification action includes: a scanning action of scanning the payment verification logo displayed by the display component of the payment machine through the rear camera, or a triggering action of the payment verification control displayed on the display component.

[0114] The size of the merchant may be greater than the preset size threshold, or may be less than or equal to the preset size threshold, which is not specifically limited here. For example, the merchant may be a large supermarket, or a small merchant store, such as a small restaurant. In addition, the merchant includes a self-service merchant, which means that there are no merchant personnel, and the user selects goods or services by himself in the merchant store of the self-service merchant, and pays for the self-service order through the payment machine configured by the self-service merchant or through the user terminal. The user terminal refers to the terminal device of the user.

[0115] The payment machine configured by the merchant includes a machine for making payments, such as a self-service checkout machine in a supermarket; the payment machine may be configured with a display component, such as a display screen; the payment verification identifier includes a payment verification code, which may be in the form of a QR code or a barcode. In addition, the payment verification code may also be in other forms; the payment machine configured by the merchant may display the user's pending payment orders, and the payment machine may have the function of paying by swiping the face or entering a payment key. Optionally, the payment machine configured by the merchant does not have the function of collecting palm images, that is, the payment verification cannot be performed by collecting palm images through the payment machine.

[0116] The payment authentication action includes the action of performing payment authentication by collecting a palm image; in addition, the payment authentication action includes an authentication transfer action, that is, the payment authentication action can be a transfer action of transferring the user's authentication authority for payment authentication at a payment machine to a user terminal.

[0117] In specific implementation, after detecting that the user performs a payment verification action based on the payment machine configured by the merchant, a payment verification request can be generated for the user to make a self-service order payment through the palm payment channel; in actual applications, in one case, the user can scan the payment verification code displayed on the display component of the payment machine configured by the merchant through the rear camera or front camera of the user terminal, and the user terminal submits the payment verification request to the server by scanning the payment verification code; in another case, the user can trigger the payment verification control displayed on the display component of the payment machine configured by the merchant, and submit the payment verification request by triggering the payment verification control. The payment verification request here can be submitted by the payment machine to the server.

[0118] Optionally, the payment verification request can be submitted through a user terminal or a payment machine; optionally, the payment verification request is submitted by the user terminal after the user terminal scans the payment verification logo displayed on the display component of the payment machine through a rear camera, or is submitted by the payment machine after the payment machine detects that the payment verification control displayed on the display component is triggered.

[0119] During the specific execution process, the user can enter the subroutine to call the rear camera to scan the payment verification logo displayed on the display component of the payment machine. In this case, the verification subroutine of the user terminal submits a payment verification request to the server, and the subroutine of the user terminal interacts with the server; in addition, the user can also trigger the payment verification control displayed by the display component of the payment machine to call the payment verification interface to jump from the merchant subroutine to the verification subroutine, submit the payment verification request to the server through the verification applet, and jump from the verification subroutine to the merchant subroutine after the payment verification is passed.

[0120] In actual applications, when a user makes an order payment on a payment machine, a payment verification mark can be displayed on the display component of the payment machine. In order to improve the convenience of users scanning the payment verification mark through the user terminal and improve the user experience, before obtaining the payment verification request for the user to make a self-service order payment through the palm payment channel, the server can determine the display position data of the payment verification mark of the payment machine based on the palm operation data of the user detected by the sensor called by the user terminal and send it to the payment machine, so as to submit the payment verification request based on the payment verification mark displayed based on the display position data. Specifically, before obtaining the payment verification request for the user to make a self-service order payment through the palm payment channel, the server can perform the following operations: Acquire the palm operation data of the user detected by the user terminal calling the sensor; The display position data of the payment authentication identifier on the payment machine is determined based on the palm operation data, and the payment authentication request is sent to the payment machine to submit the payment authentication identifier displayed based on the display position data.

[0121] Accordingly, in an optional implementation manner provided by this embodiment, the user terminal obtains the image acquisition instruction issued by the server, and before entering the image acquisition page to execute based on the image acquisition instruction, the user terminal also performs the following operations: Invoking a sensor to detect palm operation data of the user; The palm operation data is uploaded to the server to determine the display position data of the payment authentication logo on the payment machine based on the palm operation data.

[0122] The sensor includes a light sensor; the palm operation data includes the light shielding data of the display component when the user's palm operates the user terminal; and the display position data includes the display position data of the payment identification mark on the display component of the payment machine.

[0123] Specifically, the user terminal can call the light sensor to detect the light blocking data of the display component when the user's palm operates the display component, and upload the light blocking data to the server. The server obtains the light blocking data of the user detected by the user terminal calling the light sensor, and determines the user's operating palm type based on the light blocking data. The operating palm type refers to the type of palm used by the user to operate the user terminal, that is, determines whether the user operates the user terminal with a left palm type or a right palm type, and determines the display position data of the payment verification logo on the payment machine according to the user's operating palm type, and sends it to the payment machine to submit a payment verification request based on the payment verification logo displayed based on the display position data.

[0124] The above process of determining the user's operating palm type based on the light blocking data, and determining the display position data of the payment verification mark on the payment machine according to the user's operating palm type, the server can determine the user's operating palm type based on the light blocking area of ​​the display component of the user terminal by determining the user's palm based on the light blocking data, and if the operating palm type is the preset palm type, the display position of the payment verification mark on the payment machine is determined to be the first display position, and if the operating palm type is not the preset palm type, the display position of the payment verification mark on the payment machine is determined to be the second display position. If the light blocking area is the left area of ​​the display component of the user terminal, the user's operating palm type can be determined to be the left palm type, and if the light blocking area is the right area of ​​the display component of the user terminal, the user's operating palm type can be determined to be the right palm type.

[0125] Among them, the preset palm type can be a left palm type or a right palm type. If the preset palm type is the left palm type and the operating palm type is the preset palm type, the display position of the payment verification logo in the payment machine is determined as the target position in the right area of ​​the payment machine. When the preset palm type is the left palm type and the operating palm type is not the preset palm type, the display position of the payment verification logo in the payment machine is determined as the target position in the left area of ​​the payment machine; if the preset palm type is the right palm type and the operating palm type is the preset palm type, the display position of the payment verification logo in the payment machine is determined as the target position in the left area of ​​the payment machine. When the preset palm type is the right palm type and the operating palm type is not the preset palm type, the display position of the payment verification logo in the payment machine is determined as the target position in the right area of ​​the payment machine.

[0126] It should be added that before obtaining the payment authentication request of the user for self-service order payment through the palm payment channel, the server can also obtain the authentication failure reminder of the user's payment authentication at the payment machine. Based on the authentication failure reminder, the channel identifier of the authentication transfer channel or the payment authentication channel for authentication authority transfer can be sent to the payment machine; optionally, the channel identifier of the authentication transfer channel includes the control identifier of the payment authentication control and / or the payment authentication code. The user can perform the payment authentication action based on the authentication transfer channel of the payment machine and generate a payment authentication request.

[0127] The server obtains the payment authentication request of the user for self-service order payment through the palm payment channel. After that, in order to improve the flexibility and convenience of the user's payment authentication, the server transfers the user's authentication authority for payment authentication at the payment machine to the user terminal after obtaining the payment authentication request. The authentication authority includes the user's verification authority for identity verification during the order payment process of the payment machine.

[0128] In specific implementation, before the server authenticates the user through the palm of the user for payment, the server may collect the user's reference palm image through the user terminal, and use it to authenticate the user for payment based on the real-time collected palm image and the reference palm image; optionally, the reference palm image is bound to the user's payment identification; the authentication authority is opened to the user after the binding relationship is established. The payment identification includes the payment account.

[0129] During the specific execution process, in the process of transferring the user's authentication authority for payment authentication at the payment machine to the user terminal, in order to timely capture the user's palm image, the server may perform the following operations: transfer the authentication authority to the user terminal, and generate an image capture instruction after the transfer and send it to the user terminal.

[0130] Specifically, after the server obtains the payment authentication request of the user for self-service order payment through the palm payment channel, the server transfers the user's authentication authority for payment authentication at the payment machine to the user terminal, and generates an image acquisition instruction after the transfer and sends it to the user terminal. The user terminal obtains the image acquisition instruction issued by the server, and enters the image acquisition page based on the image acquisition instruction. The user terminal can obtain the user's palm image captured by calling the rear camera or the front camera through the image acquisition page; wherein, the image acquisition instruction includes an instruction for instructing the user to capture a palm image, and the image acquisition page includes a page for capturing a palm image.

[0131] In actual applications, specific users have obstacles in mobile phone operation. For example, elderly users are not familiar enough with mobile phones and are not proficient in operation. In view of this, in order to improve the convenience of payment verification for specific users and improve the success rate and pass rate of payment verification for specific users, the server can synchronize the palm capture video stream of the user terminal to the payment machine, that is, the user can view the process of the user terminal capturing or shooting the palm image on the payment machine, reducing the number of operations of the user terminal by the specific user, and improving the perception of the specific user through the payment machine. Specifically, after responding to the payment authentication request, the server transfers the authentication authority of the user to perform payment authentication on the payment machine to the user terminal for execution, and then sends the palm capture video stream sent by the user terminal to the payment machine. In this process, the following operations can be performed specifically: Acquire a palm capture video stream sent by the user terminal; optionally, the palm capture video stream is acquired by capturing the rear camera when a display component of the user terminal is in a preset display state; The palm capture video stream is sent to the payment machine, so that the palm image is determined in the palm capture video stream by the payment machine.

[0132] Accordingly, in an optional implementation manner provided by this embodiment, after obtaining the image acquisition instruction issued by the server and entering the image acquisition page for execution based on the image acquisition instruction, the user terminal performs the following operations: Acquire a palm capture video stream captured by the rear camera when the display component is in a preset display state through the image capture page; The palm capture video stream is sent to the server to be sent to the payment machine to determine the palm image.

[0133] Wherein, the rear camera includes the rear camera of the user terminal; the preset display state includes the dormant state or black screen state of the display screen of the user terminal. The palm acquisition video stream refers to the video stream acquired during the process of acquiring the user's palm image, such as the video stream acquired during the process of adjusting the distance or position of the user's palm. Optionally, the palm acquisition video stream is acquired when the display component of the user terminal is in a preset display state after obtaining the authorization instruction of the user.

[0134] Specifically, after the user terminal obtains the image capture instruction sent by the server, the user terminal can enter the image capture page when the display component is in a preset display state, obtain the palm capture video stream captured by calling the rear camera or the front camera through the image capture page when the display component is in a preset display state, and send the palm capture video stream to the server. The server obtains the palm capture video stream sent by the user terminal and sends the palm capture video stream to the payment machine, so that the palm image can be determined in the palm capture video stream through the payment machine.

[0135] After the server sends the palm collection video stream to the payment machine so that the payment machine determines the palm image in the palm collection video stream, the server may further perform the following operations: receiving a confirmation instruction for the palm image in the palm capture video stream sent by the payment machine; The determination instruction is sent to the user terminal to upload the palm image to the server.

[0136] Accordingly, in an optional implementation manner provided by this embodiment, after obtaining the image acquisition instruction issued by the server and entering the image acquisition page for execution based on the image acquisition instruction, the following operations are further performed: Obtain a confirmation instruction for the palm image in the palm capture video stream sent by the payment machine and issued by the server.

[0137] The determination instruction may be generated after detecting that the collection control of the display component of the payment machine is triggered; the determination instruction includes an instruction to determine the palm image in the palm collection video stream. The determination instruction includes an image shooting instruction.

[0138] In addition, after the server sends the palm capture video stream to the payment machine so that the payment machine determines the palm image in the palm capture video stream, in order to further reduce the frequency of operation of the user terminal or the payment machine by specific users and improve the convenience of specific users, the server can receive a preset number of target palm capture images in the palm capture video stream captured by the user terminal through a timed capture task as the palm image captured by the user terminal calling the rear camera, that is, as the palm image for payment authentication.

[0139] The timed acquisition task includes the task of regularly acquiring or photographing a palm image in a palm acquisition video stream, such as photographing a palm image every 3 seconds. The preset number may be one or more.

[0140] In addition, after the user terminal obtains the image acquisition instruction issued by the server and enters the image acquisition page to execute based on the image acquisition instruction, the user terminal can also establish a data connection with the payment machine, such as establishing a data connection through Bluetooth. The user terminal can obtain the palm acquisition video stream acquired by calling the rear camera through the image acquisition page when the display component is in a preset display state, and directly synchronize the palm acquisition video stream to the payment machine, so that the payment machine determines the palm image in the palm acquisition video stream; Alternatively, after the user terminal synchronizes the palm capture video stream to the payment machine, the user terminal can collect a preset number of target palm capture images in the palm capture video through a scheduled capture task and send them to the server. The server can receive the preset number of target palm capture images in the palm capture video stream collected by the user terminal through the scheduled capture task, and filter out the palm capture images from the target palm capture images according to the image indicators of the target palm capture images as the palm images collected by the user terminal calling the rear camera, that is, as the palm images for payment authentication.

[0141] Step S1104, obtaining the user's palm image captured by the rear camera through the image capture page.

[0142] The image acquisition instruction sent by the server is obtained, and an image acquisition page is entered based on the image acquisition instruction. In this step, the palm image of the user acquired by calling the rear camera through the image acquisition page is acquired.

[0143] In a specific implementation, in an optional implementation mode provided by this embodiment, in the process of acquiring the palm image of the user acquired by calling the rear camera through the image acquisition page, the following operations are performed: The palm image captured by the rear camera through the image capture page is acquired based on the determination instruction.

[0144] Step S1106: sending the palm image to the server so as to verify the payment of the user according to the palm image and a target palm image determined in the user's reference palm image based on the palm type.

[0145] After the user terminal sends the palm image to the server, the server receives the palm image captured by the user terminal by calling the rear camera, and determines the target palm image in the user's baseline palm image according to the palm type of the palm image, and performs payment authentication on the user based on the palm image and the target palm image, so as to perform order payment processing after the payment authentication is successful. Optionally, the order payment processing is performed after the payment authentication is successful.

[0146] The palm image refers to an image of the user's palm collected in real time; the palm type includes a left palm type and a right palm type; and the reference palm image includes a palm image that serves as a comparison reference for payment authentication.

[0147] In specific implementation, after receiving the palm image captured by the rear camera called by the user terminal, the server can identify the palm type of the palm image, and select a palm image consistent with the palm type from the user's baseline palm image as the target palm image based on the palm type.

[0148] Specifically, in the process of identifying the palm type of a palm image, the server can determine the palm type based on the palm shape features and / or palm orientation features in the palm image, and select a palm image consistent with the palm type from the user's baseline palm image as the target palm image.

[0149] In practical applications, the server may obtain the user's reference palm image in advance for payment authentication, thereby improving the convenience of payment authentication. Optionally, the reference palm image is composed of a first palm image and a second palm image; after the image evaluation of the first palm image passes, the second palm image is collected, and after the image evaluation of the second palm image passes, the first palm image and the second palm image are used as reference palm images. Specifically, the reference palm image may be obtained in the following manner: Based on the collection instruction submitted by the user through the subroutine, obtaining the payment identifier input by the user and performing identity verification on the user based on the payment identifier; After the verification is passed, calling the rear camera to capture a first palm image of the user, and after the image evaluation of the first palm image is passed, capturing a second palm image of the user; If the image evaluation of the second palm image passes, the first palm image and the second palm image are used as the reference palm images; if the image evaluation of the second palm image fails, no processing is performed.

[0150] Among them, the image evaluation of the first palm image includes at least one of the following: image clarity evaluation, palm integrity evaluation, and image exposure evaluation; the image evaluation of the second palm image includes at least one of the following: image clarity evaluation, palm integrity evaluation, image exposure evaluation, palm type evaluation, palm skin evaluation (palm color evaluation), and mirror image similarity evaluation with the first palm image.

[0151] Specifically, the user terminal can submit a collection instruction or a registration instruction through the registration page of the subprogram, the server obtains the collection instruction or the registration instruction submitted by the user through the registration page of the subprogram, and sends the identification input page data to the user terminal. The user terminal generates an identification input page based on the identification input page data, and inputs the payment identification through the identification input page and submits it to the server. The server obtains the payment identification entered by the user and verifies the identity of the user based on the payment identification. After the verification is passed, the user terminal generates and displays a collection demonstration page, generates and displays a first collection page by triggering the start instruction of the collection demonstration page, and calls the rear camera through the first collection page. A first palm image of the user is collected, and an image evaluation of the first palm image can be performed on the user terminal, or the first palm image can be uploaded to a server, and the server performs an image evaluation of the first palm image. After the image evaluation of the first palm image passes, the user terminal generates and displays a second collection page, and the rear camera is called through the second collection page to collect the second palm image of the user. Similarly, an image evaluation of the second palm image can be performed on the user terminal, or the second palm image can be uploaded to a server, and the server performs an image evaluation of the second palm image. If the image evaluation of the second palm image passes, the first palm image and the second palm image are used as the user's baseline palm images.

[0152] like Figure 3 The registration page shown in FIG. 10 can be used by the user to trigger the 301 control to submit a collection instruction or a registration instruction. After the user terminal obtains the collection instruction or the registration instruction, the following is displayed: Figure 4 The identification input page shown in FIG. 401 displays the payment key input by the user in the 401 area. After the user's identity is verified based on the payment key, the user terminal generates a Figure 5In the collection demonstration page shown in FIG. 501, the area 501 shows the user the correct collection method for collecting palm collection. After the user terminal detects that the start shooting control 502 is triggered, the rear camera is called to collect the user's first palm image. After the image evaluation of the first palm image passes, the following is generated and displayed: Figure 6 In the palm collection page shown in FIG. 6 , after the user triggers the start shooting control 601, the rear camera is called to collect the user's second palm image. After the image evaluation of the second palm image is passed, the user terminal generates and displays the following Figure 7 The evaluation display page shown in FIG. 1 shows that after the user triggers the completion control 701, the user terminal Figure 7 The evaluation display page shown jumps to Figure 8 On the registration result page shown, the user terminal submits the user's baseline palm image to the server. The server can bind the payment ID based on the baseline palm image and enable the user to perform payment authentication at the payment machine. Palm swiping payment means that the user's authentication authority has been activated and the user's payment ID, such as the deduction account, has been bound.

[0153] In order to avoid the first palm image and the second palm image collected by the user being images of the same palm type, resulting in image waste of the reference palm image, the image evaluation of the second palm image can be implemented in the following manner: Based on the palm shape feature in the second palm image, identifying the palm type of the second palm image; If the palm type is inconsistent with the palm type of the first palm image, determining that the image evaluation of the second palm image passes; If the palm type is inconsistent with the palm type of the first palm image, it is determined that the image evaluation of the second palm image fails.

[0154] The palm shape feature refers to feature data representing the shape of the palm; the palm type includes left palm type and right palm type.

[0155] In addition, in order to further improve the effectiveness of the image evaluation of the second palm image, improve the effectiveness of the reference palm image, avoid the first palm image and the second palm image being collected as palm images of different users, and ensure that the first palm image and the second palm image are both palm images of the same user, the image evaluation of the second palm image can be performed according to the mirror image similarity between the first palm image and the second palm image. The image evaluation of the second palm image can also be implemented in the following manner: based on the first palm image and the second palm image, the mirror image similarity of the palm is calculated; If the mirror image similarity is greater than the similarity threshold, it is determined that the image evaluation of the second palm image passes; If the mirror image similarity is less than or equal to the similarity threshold, it is determined that the image evaluation of the second palm image fails.

[0156] In addition, the image evaluation of the second palm image can also be implemented in the following manner: calculate the skin color matching degree based on the first palm image and the second palm image; if the skin color matching degree is greater than the matching degree threshold, determine that the image evaluation of the second palm image passes; if the skin color matching degree is less than or equal to the matching degree threshold, determine that the image evaluation of the second palm image fails.

[0157] It should be added that, if the image evaluation of the second palm image passes, the above-mentioned user terminal can upload the first palm image and the second palm image as reference palm images to the server, and the server can establish a binding relationship between the reference palm image and the user's payment identifier, and after the binding relationship is established, open up the authentication authority for the user to perform payment authentication at the payment machine, and the authentication authority includes the authentication authority for payment authentication through the palm at the payment machine.

[0158] The server receives the palm image captured by the user terminal through the rear camera, and determines the target palm image in the user's baseline palm image according to the palm type of the palm image. After that, the server performs payment authentication on the user based on the palm image and the target palm image, so as to process the order payment after the payment authentication is successful, thereby improving the security of the order payment. The payment authentication described in this embodiment includes identity verification performed during the payment process.

[0159] In specific implementation, in the process of performing payment authentication on the user based on the palm image and the target palm image, in order to improve the accuracy and effectiveness of payment authentication, the server may calculate the feature similarity based on the first key feature extracted from the palm image and the second key feature extracted from the target palm image. If the feature similarity is greater than the similarity threshold, it is determined that the payment authentication is successful; specifically, in the process of performing payment authentication on the user based on the palm image and the target palm image, the server may perform the following operations: extracting a first key feature from the palm image and extracting a second key feature from the target palm image; Calculating feature similarity between the palm image and the target palm image based on the first key feature and the second key feature; If the feature similarity is greater than the similarity threshold, it is determined that the payment authentication is successful; if the feature similarity is less than or equal to the similarity threshold, it is determined that the payment authentication has failed.

[0160] Optionally, the first key feature includes at least one of the following: palm print feature, key point feature, skin feature; the second key feature includes at least one of the following: palm print feature, key point feature, skin feature. The key point feature includes the key point feature of the fingers in the palm, such as the key point at the base of the fingers in the palm.

[0161] Specifically, the server can extract the first palm print feature, the first key point feature and / or the first skin feature from the palm image, and extract the second palm print feature, the second key point feature and / or the second skin feature from the target palm image; based on the first palm print feature, the first key point feature and / or the first skin feature and the second palm print feature, the second key point feature and / or the second skin feature, calculate the feature similarity between the palm image and the target palm image; if the feature similarity is greater than the similarity threshold, it is determined that the payment authentication is successful; if the feature similarity is less than or equal to the similarity threshold, it is determined that the payment authentication has failed.

[0162] After the feature similarity between the palm image and the target palm image is calculated based on the first key feature and the second key feature, in order to improve the effectiveness of payment authentication, when the feature similarity is less than or equal to the similarity threshold, a second payment authentication opportunity is provided to the user whose feature similarity is within the retry value interval. Specifically, after the feature similarity between the palm image and the target palm image is calculated based on the first key feature and the second key feature, the server may also perform the following operations: If the feature similarity is less than or equal to the similarity threshold, determining whether the feature similarity is within a retry value interval; When the retry value interval is within the retry value interval, a secondary palm image captured by the user terminal is received, and a secondary payment authentication is performed on the user based on the secondary palm image.

[0163] Among them, the retry value interval includes a value interval of feature similarity for secondary palm image acquisition, for example, the similarity threshold is 90%, and the retry value interval is 60%-80%. When the feature similarity is less than or equal to the similarity threshold, it is determined whether the feature similarity is within 60%-80%. If the feature similarity is within the retry value interval, the user terminal acquires a secondary palm image and sends it to the server. The server receives the secondary palm image acquired by the user terminal through the rear camera or the front camera, and performs secondary payment authentication on the user based on the secondary palm image, that is, determines the target image in the baseline palm image according to the palm type of the secondary palm image, and performs payment authentication on the user based on the secondary palm image and the target image. The payment authentication process here is similar to the above-mentioned payment authentication process, and this embodiment will not be repeated here.

[0164] In the specific execution process, after the server performs payment authentication on the user based on the palm image and the target palm image, if the payment authentication is successful, the server generates an authentication success reminder and sends it to the payment server, and the payment server performs order payment processing; optionally, the order payment processing includes: Determine the fund account associated with the user's payment identifier, and deduct money from the fund account based on the order amount.

[0165] The payment identification includes the payment account and also includes the login account of the user when collecting the reference palm image.

[0166] In actual applications, some users may have palm skin diseases or other emergencies, which may lead to payment authentication failure or even payment authentication failure several times. In view of this, in order to encourage users to pass payment authentication as soon as possible and reduce the occurrence of payment congestion, the server may determine the user's secondary payment authentication result based on the associated palm image of the user's associated user when the payment authentication fails; specifically, after performing payment authentication on the user based on the palm image and the target palm image, the server may also perform the following operations: If the payment authentication fails, a authentication failure reminder is sent to the user terminal to display the associated authentication entry; Determine the associated user selected after the user terminal triggers the associated authentication entry, and send an associated authentication application to the associated user; The secondary payment authentication result of the user is determined according to the associated palm image uploaded by the associated user.

[0167] The associated users include users who have an associated relationship with the user; the associated relationship includes a relative relationship, a friend relationship, a colleague relationship, etc.

[0168] Specifically, the process of determining the secondary payment authentication result of the user based on the associated palm image uploaded by the associated user can be achieved by the server determining the reference image of the associated user based on the associated palm image uploaded by the associated user, and performing secondary payment authentication on the user based on the associated palm image and the reference image; the secondary payment authentication process here is similar to the above-mentioned payment authentication processing process, and this embodiment will not be repeated here.

[0169] It should be noted that the rear camera of the user terminal in this embodiment can be replaced by a front camera, and the front camera of the user terminal can also be replaced by a rear camera.

[0170] The following takes the application of a palm-based payment processing method provided by this embodiment in a palm payment scenario as an example to further illustrate the palm-based payment processing method provided by this embodiment. Fig.10, a palm-based payment processing method applied to a palm payment scenario specifically includes the following steps.

[0171] Step S1002: Scan the payment verification code displayed on the display screen of the payment machine through the rear camera.

[0172] Step S1004, based on the decoding result of the payment verification code, submit a payment verification request for the user to make a self-service order payment through the palm payment channel to the server.

[0173] Step S1010, obtaining an image acquisition instruction issued by the server, and entering an image acquisition page based on the image acquisition instruction.

[0174] Step S1012, obtaining a palm capture video stream captured by the rear camera through the image capture page when the display screen is in a black screen state.

[0175] Step S1014: Send the palm capture video stream to the server.

[0176] Step S1018: Based on the timed acquisition task, a preset number of target palm acquisition images in the palm acquisition video stream are acquired through the image acquisition page as palm images.

[0177] Step S1020: sending the palm image to the server.

[0178] An embodiment of a palm-based payment processing device provided in this specification is as follows: In the above-mentioned embodiment, a palm-based payment processing method is provided, and correspondingly, a palm-based payment processing device is also provided, which is described below with reference to the accompanying drawings.

[0179] Reference Fig.12 , which shows a schematic diagram of an embodiment of a palm-based payment processing device provided in this embodiment.

[0180] Since the device embodiment corresponds to the method embodiment, the description is relatively simple, and the relevant parts can refer to the corresponding description of the method embodiment provided above. The device embodiment described below is only illustrative.

[0181] This embodiment provides a palm-based payment processing device, including: The request acquisition module 1202 is configured to acquire a payment authentication request of a user for self-service order payment through a palm payment channel; the payment authentication request is generated after detecting that a payment device configured by a merchant performs a payment authentication action; The authority transfer module 1204 is configured to transfer the authentication authority of the user to perform payment authentication at the payment machine to the user terminal in response to the payment authentication request; The image determination module 1206 is configured to receive a palm image captured by the user terminal through a rear camera, and determine a target palm image in the user's reference palm image according to the palm type of the palm image; The payment authentication module 1208 is configured to perform payment authentication on the user based on the palm image and the target palm image, so as to perform order payment processing after the payment authentication is successful.

[0182] Another embodiment of a palm-based payment processing device provided in this specification is as follows: In the above-mentioned embodiment, another palm-based payment processing method is provided, and correspondingly, another palm-based payment processing device is also provided, which is described below with reference to the accompanying drawings.

[0183] Reference Fig.13 , which shows a schematic diagram of an embodiment of a palm-based payment processing device provided in this embodiment.

[0184] Since the device embodiment corresponds to the method embodiment, the description is relatively simple, and the relevant parts can refer to the corresponding description of the method embodiment provided above. The device embodiment described below is only illustrative.

[0185] This embodiment provides a palm-based payment processing device, including: The page entry module 1302 is configured to obtain an image acquisition instruction issued by the server and enter an image acquisition page based on the image acquisition instruction; The image acquisition module 1304 is configured to acquire the user's palm image acquired by calling the rear camera through the image acquisition page; The image sending module 1306 is configured to send the palm image to the server so as to perform payment authentication on the user according to the palm image and a target palm image determined in the user's baseline palm image based on the palm type; after the payment authentication is successful, the order payment is processed; wherein, the image acquisition instruction is issued after detecting the payment authentication request of the user for self-service order payment through the palm payment channel; the payment authentication request is generated after the payment authentication action is performed on the payment machine configured by the merchant.

[0186] An embodiment of a palm-based payment processing device provided in this specification is as follows: Corresponding to the above-described palm-based payment processing method, based on the same technical concept, one or more embodiments of this specification also provide a palm-based payment processing device, which is used to execute the above-described palm-based payment processing method. Fig.14A schematic diagram of the structure of a palm-based payment processing device provided for one or more embodiments of this specification.

[0187] This embodiment provides a palm-based payment processing device, including: like Fig.14 As shown, the palm-based payment processing device may have relatively large differences due to different configurations or performances, and may include one or more processors 1401 and memory 1402, and the memory 1402 may store one or more storage applications or data. Among them, the memory 1402 may be a short-term storage or a persistent storage. The application stored in the memory 1402 may include one or more modules (not shown in the figure), and each module may include a series of computer executable instructions in the palm-based payment processing device. Furthermore, the processor 1401 may be configured to communicate with the memory 1402 to execute a series of computer executable instructions in the memory 1402 on the palm-based payment processing device. The palm-based payment processing device may also include one or more power supplies 1403, one or more wired or wireless network interfaces 1404, one or more input / output interfaces 1405, one or more keyboards 1406, etc.

[0188] In a specific embodiment, a palm-based payment processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the palm-based payment processing device, and the one or more programs are configured to be executed by one or more processors, including computer-executable instructions for performing the following: Obtaining a payment verification request for a user to make a self-service order payment through a palm payment channel; the payment verification request is generated after detecting that a payment machine configured by a merchant performs a payment verification action; In response to the payment authentication request, transferring the authentication authority of the user to perform payment authentication at the payment machine to the user terminal; Receiving a palm image captured by the user terminal through a rear camera, and determining a target palm image in a reference palm image of the user according to a palm type of the palm image; The user is authenticated for payment based on the palm image and the target palm image, so that order payment processing is performed after the payment authentication is successful.

[0189] Another embodiment of a palm-based payment processing device provided in this specification is as follows: Corresponding to the another palm-based payment processing method described above, based on the same technical concept, one or more embodiments of this specification also provide another palm-based payment processing device, which is used to execute the another palm-based payment processing method provided above. Fig.15 A schematic diagram of the structure of a palm-based payment processing device provided for one or more embodiments of this specification.

[0190] This embodiment provides a palm-based payment processing device, including: like Fig.15 As shown, the palm-based payment processing device may have relatively large differences due to different configurations or performances, and may include one or more processors 1501 and memory 1502, and the memory 1502 may store one or more storage applications or data. Among them, the memory 1502 may be a short-term storage or a persistent storage. The application stored in the memory 1502 may include one or more modules (not shown in the figure), and each module may include a series of computer executable instructions in the palm-based payment processing device. Furthermore, the processor 1501 may be configured to communicate with the memory 1502 to execute a series of computer executable instructions in the memory 1502 on the palm-based payment processing device. The palm-based payment processing device may also include one or more power supplies 1503, one or more wired or wireless network interfaces 1504, one or more input / output interfaces 1505, one or more keyboards 1506, etc.

[0191] In a specific embodiment, a palm-based payment processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the palm-based payment processing device, and the one or more programs are configured to be executed by one or more processors, including computer-executable instructions for performing the following: Obtain an image acquisition instruction issued by the server, and enter an image acquisition page based on the image acquisition instruction; Acquire a palm image of the user captured by the rear camera through the image capture page; Sending the palm image to the server to perform payment authentication on the user according to the palm image and a target palm image determined in the user's reference palm image based on the palm type; and performing order payment processing after the payment authentication is successful; Among them, the image acquisition instruction is issued after detecting the payment verification request of the user for self-service order payment through the palm payment channel; the payment verification request is generated after the payment machine configured by the merchant performs the payment verification action.

[0192] An embodiment of a storage medium provided in this specification is as follows: Corresponding to the palm-based payment processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a storage medium.

[0193] The storage medium provided in this embodiment is used to store computer executable instructions, and the computer executable instructions implement the following process when executed by a processor: Obtaining a payment verification request for a user to make a self-service order payment through a palm payment channel; the payment verification request is generated after detecting that a payment machine configured by a merchant performs a payment verification action; In response to the payment authentication request, transferring the authentication authority of the user to perform payment authentication at the payment machine to the user terminal; Receiving a palm image captured by the user terminal through a rear camera, and determining a target palm image in a reference palm image of the user according to a palm type of the palm image; The user is authenticated for payment based on the palm image and the target palm image, so that order payment processing is performed after the payment authentication is successful.

[0194] It should be noted that the embodiment of a storage medium in this specification and the embodiment of a palm-based payment processing method in this specification are based on the same inventive concept, so the specific implementation of this embodiment can refer to the implementation of the aforementioned corresponding method, and the repeated parts will not be repeated.

[0195] Another storage medium embodiment provided in this specification is as follows: Corresponding to the other palm-based payment processing method described above, based on the same technical concept, one or more embodiments of this specification also provide another storage medium.

[0196] The storage medium provided in this embodiment is used to store computer executable instructions, and the computer executable instructions implement the following process when executed by a processor: Obtain an image acquisition instruction issued by the server, and enter an image acquisition page based on the image acquisition instruction; Acquire a palm image of the user captured by the rear camera through the image capture page; Sending the palm image to the server to perform payment authentication on the user according to the palm image and a target palm image determined in the user's reference palm image based on the palm type; and performing order payment processing after the payment authentication is successful; Among them, the image acquisition instruction is issued after detecting the payment verification request of the user for self-service order payment through the palm payment channel; the payment verification request is generated after the payment machine configured by the merchant performs the payment verification action.

[0197] It should be noted that the embodiment of another storage medium in this specification and the embodiment of another palm-based payment processing method in this specification are based on the same inventive concept, so the specific implementation of this embodiment can refer to the implementation of the aforementioned corresponding method, and the repeated parts will not be repeated.

[0198] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referenced to each other. Each embodiment focuses on the differences from other embodiments. For example, the device embodiment, equipment embodiment and storage medium embodiment are similar to the method embodiment, so the description is relatively simple. To read the relevant content in the device embodiment, equipment embodiment and storage medium embodiment, please refer to the partial description of the method embodiment.

[0199] The above is a description of a specific embodiment of the specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0200] In the 1930s, improvements to a technology could be clearly distinguished as hardware improvements (for example, improvements to circuit structures such as diodes, transistors, switches, etc.) or software improvements (improvements to method flows). However, with the development of technology, many of today's method flow improvements can be regarded as direct improvements to hardware circuit structures. Designers almost always obtain the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that an improvement in a method flow cannot be implemented using hardware entity modules. For example, a programmable logic device (PLD) (such as a field programmable gate array (FPGA)) is such an integrated circuit whose logical function is determined by the user's programming of the device. Designers can "integrate" a digital system on a PLD by programming it themselves, without having to ask chip manufacturers to design and produce dedicated integrated circuit chips. Moreover, nowadays, instead of manually making integrated circuit chips, this kind of programming is mostly implemented by "logic compiler" software, which is similar to the software compiler used when developing and writing programs, and the original code before compilation must also be written in a specific programming language, which is called hardware description language (HDL). There is not only one kind of HDL, but many kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. The most commonly used ones are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also know that it is only necessary to program the method flow slightly in the above-mentioned hardware description languages ​​and program it into the integrated circuit, and then it is easy to obtain the hardware circuit that implements the logic method flow.

[0201] The controller may be implemented in any suitable manner, for example, the controller may take the form of a microprocessor or processor and a computer-readable medium storing a computer-readable program code (e.g., software or firmware) executable by the (micro)processor, a logic gate, a switch, an application-specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include but are not limited to the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, and the memory controller may also be implemented as part of the control logic of the memory. It is also known to those skilled in the art that, in addition to implementing the controller in a purely computer-readable program code manner, the controller may be implemented in the form of a logic gate, a switch, an application-specific integrated circuit, a programmable logic controller, and an embedded microcontroller by logically programming the method steps. Therefore, such a controller may be considered as a hardware component, and the devices for implementing various functions included therein may also be considered as structures within the hardware component. Or even, the devices for implementing various functions may be considered as both software modules for implementing the method and structures within the hardware component.

[0202] The systems, devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0203] For the convenience of description, the above devices are described in terms of functions and are divided into various units. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0204] It should be understood by those skilled in the art that one or more embodiments of the present specification may be provided as a method, system or computer program product. Therefore, one or more embodiments of the present specification may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present specification 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.

[0205] This specification is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of this specification. 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.

[0206] 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.

[0207] 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.

[0208] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0209] Memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.

[0210] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined in this article, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0211] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0212] One or more embodiments of the present specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. One or more embodiments of the present specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0213] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0214] The above description is only an embodiment of this document and is not intended to limit this document. For those skilled in the art, this document may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this document should be included in the scope of the claims of this document.

Claims

1. A palm-based payment processing method, comprising: Obtain the payment authentication request of the user who makes a self-service order payment through the palm payment channel; The payment verification request is generated after detecting a triggering action of a payment verification control displayed by a display component of a payment machine configured by the merchant; In response to the payment authentication request, transferring the authentication authority of the user to perform payment authentication at the payment machine to the user terminal; The user is authenticated for payment based on the palm image captured by the rear camera called by the user terminal and the reference palm image of the user, so that order payment processing is performed after the payment authentication is successful.

2. According to the palm-based payment processing method of claim 1, the reference palm image is obtained by: Based on the collection instruction submitted by the user through the subroutine, obtaining the payment identifier input by the user to verify the identity of the user based on the payment identifier; After the verification is passed, calling the rear camera to capture a first palm image of the user, and after the image evaluation of the first palm image is passed, capturing a second palm image of the user; If the image evaluation of the second palm image passes, the first palm image and the second palm image are used as the reference palm images.

3. The palm-based payment processing method according to claim 2, wherein the image evaluation of the second palm image comprises: Based on the palm shape feature in the second palm image, identifying the palm type of the second palm image; If the palm type is inconsistent with the palm type of the first palm image, it is determined that the image evaluation of the second palm image passes.

4. According to the palm-based payment processing method of claim 1, the reference palm image is bound to the payment identification of the user; and the authentication authority is opened to the user after the binding relationship is established.

5. The palm-based payment processing method according to claim 1, wherein the step of performing payment authentication on the user according to the palm image collected by the rear camera of the user terminal and the reference palm image of the user comprises: Determine a target palm image in the reference palm image according to the palm type of the palm image; The user is authenticated for payment based on the palm image and the target palm image.

6. The palm-based payment processing method according to claim 5, wherein the step of authenticating the user based on the palm image and the target palm image comprises: extracting a first key feature from the palm image and extracting a second key feature from the target palm image; Calculating feature similarity between the palm image and the target palm image based on the first key feature and the second key feature; If the feature similarity is greater than the similarity threshold, it is determined that the payment authentication is successful.

7. The palm-based payment processing method according to claim 6, after the sub-step of calculating the feature similarity between the palm image and the target palm image based on the first key feature and the second key feature is executed, the method further comprises: If the feature similarity is less than or equal to the similarity threshold, determining whether the feature similarity is within a retry value interval; When the retry value interval is within the retry value interval, a secondary palm image captured by the user terminal is received, and a secondary payment authentication is performed on the user based on the secondary palm image.

8. According to the palm-based payment processing method of claim 6, the first key feature comprises at least one of the following: palm print feature, key point feature, and skin feature.

9. The palm-based payment processing method according to claim 1, wherein the step of transferring the authentication authority of the user to perform payment authentication at the payment machine to the user terminal comprises: The authentication authority is transferred to the user terminal, and after the transfer, an image acquisition instruction is generated and sent to the user terminal.

10. The palm-based payment processing method according to claim 1, wherein the order payment processing comprises: Determine the fund account associated with the user's payment identifier, and deduct money from the fund account based on the order amount.

11. The palm-based payment processing method according to claim 2, wherein the image evaluation of the second palm image comprises: Calculating the mirror image similarity of the palms based on the first palm image and the second palm image; If the mirror image similarity is greater than the similarity threshold, it is determined that the image evaluation of the second palm image passes.

12. The palm-based payment processing method of claim 1, further comprising: Acquire the palm operation data of the user detected by the user terminal calling the sensor; The display position data of the payment authentication identifier on the payment machine is determined based on the palm operation data, and a payment authentication request is sent to the payment machine in order to submit the payment authentication identifier displayed based on the display position data.

13. The palm-based payment processing method according to claim 1, after the step of transferring the authentication authority of the user for payment authentication at the payment machine to the user terminal in response to the payment authentication request and before the step of performing payment authentication on the user based on the palm image captured by the rear camera of the user terminal and the reference palm image of the user is performed, further comprising: Acquire a palm capture video stream sent by the user terminal; The palm video stream is acquired by collecting the video stream through the rear camera when the display component of the user terminal is in a preset display state; The palm capture video stream is sent to the payment machine, so that the palm image is determined in the palm capture video stream by the payment machine.

14. The palm-based payment processing method according to claim 13, after the step of sending the palm-captured video stream to the payment machine so that the payment machine can determine the palm image in the palm-captured video stream, further comprises: receiving a confirmation instruction for the palm image in the palm capture video stream sent by the payment machine; The determination instruction is sent to the user terminal to upload the palm image to the server.

15. The palm-based payment processing method according to claim 1, after the step of performing payment authentication on the user according to the palm image collected by the rear camera of the user terminal and the reference palm image of the user is executed, further comprising: If the payment authentication fails, a authentication failure reminder is sent to the user terminal to display the associated authentication entry; Determine the associated user selected after the user terminal triggers the associated authentication entry, and send an associated authentication application to the associated user; The secondary payment authentication result of the user is determined according to the associated palm image uploaded by the associated user.

16. A palm-based payment processing method comprising: Obtain an image acquisition instruction issued by the server, and enter an image acquisition page based on the image acquisition instruction; Acquire the user's palm image captured by the rear camera through the image acquisition page; Sending the palm image to the server to verify the user's payment identity based on the palm image and a reference palm image of the user; Among them, the image acquisition instruction is issued after detecting the payment authentication request of the user for self-service order payment through the palm payment channel, and transferring the authentication authority of the user for payment authentication at the payment machine configured by the merchant to the user terminal; the payment authentication request is generated after detecting the triggering action of the payment authentication control displayed on the display component of the payment machine.

17. The palm-based payment processing method according to claim 16, before the step of obtaining the image acquisition instruction issued by the server and entering the image acquisition page based on the image acquisition instruction is executed, it also includes: Invoking a sensor to detect palm operation data of the user; The palm operation data is uploaded to the server to determine the display position data of the payment authentication logo on the payment machine based on the palm operation data.

18. The palm-based payment processing method according to claim 16, after the step of obtaining the image acquisition instruction issued by the server and entering the image acquisition page based on the image acquisition instruction is executed, and before the step of obtaining the palm image of the user acquired by calling the rear camera through the image acquisition page is executed, it also includes: Acquire a palm capture video stream captured by the rear camera when the display component is in a preset display state through the image capture page; The palm capture video stream is sent to the server to be sent to the payment machine to determine the palm image.

19. The palm-based payment processing method according to claim 18, after the step of sending the palm-captured video stream to the server to send to the payment machine for determining the palm image, further comprising: Obtaining a confirmation instruction for the palm image in the palm capture video stream sent by the payment device and issued by the server; Accordingly, the step of acquiring the palm image of the user acquired by calling the rear camera through the image acquisition page includes: The palm image captured by the rear camera through the image capture page is acquired based on the determination instruction.

20. A palm-based payment processing device comprising: A request acquisition module is configured to acquire a payment authentication request from a user for self-service order payment through a palm payment channel; The payment verification request is generated after detecting a triggering action of a payment verification control displayed by a display component of a payment machine configured by the merchant; An authority transfer module is configured to transfer the authentication authority of the user to perform payment authentication at the payment machine to the user terminal in response to the payment authentication request; The payment authentication module is configured to authenticate the user based on the palm image captured by the rear camera of the user terminal and the user's reference palm image, so as to process the order payment after the payment authentication is successful.

21. A palm-based payment processing device comprising: A page entry module is configured to obtain an image acquisition instruction issued by a server and enter an image acquisition page based on the image acquisition instruction; An image acquisition module is configured to acquire a palm image of a user acquired by calling a rear camera through the image acquisition page; The image sending module is configured to send the palm image to the server so as to perform payment authentication on the user based on the palm image and the user's baseline palm image; wherein the image acquisition instruction is issued after detecting the user's payment authentication request for self-service order payment through the palm payment channel and transferring the user's authentication authority for payment authentication at the payment machine configured by the merchant to the user terminal; the payment authentication request is generated after detecting the triggering action of the payment authentication control displayed on the display component of the payment machine.

22. A palm-based payment processing device comprising: processor; and a memory configured to store computer executable instructions that, when executed, cause the processor to: Obtaining a payment authentication request for a user to make a self-service order payment through a palm payment channel; the payment authentication request is generated after detecting a triggering action of a payment authentication control displayed on a display component of a payment machine configured by a merchant; In response to the payment authentication request, transferring the authentication authority of the user to perform payment authentication at the payment machine to the user terminal; The user is authenticated for payment based on the palm image captured by the rear camera called by the user terminal and the reference palm image of the user, so that order payment processing is performed after the payment authentication is successful.

23. A palm-based payment processing device comprising: processor; and a memory configured to store computer executable instructions that, when executed, cause the processor to: Obtain an image acquisition instruction issued by the server, and enter an image acquisition page based on the image acquisition instruction; Acquire the user's palm image captured by the rear camera through the image acquisition page; Sending the palm image to the server to verify the user's payment identity based on the palm image and a reference palm image of the user; Among them, the image acquisition instruction is issued after detecting the payment authentication request of the user for self-service order payment through the palm payment channel, and transferring the authentication authority of the user for payment authentication at the payment machine configured by the merchant to the user terminal; the payment authentication request is generated after detecting the triggering action of the payment authentication control displayed on the display component of the payment machine.

24. A storage medium for storing computer executable instructions, wherein the computer executable instructions, when executed by a processor, implement the following process: Obtaining a payment authentication request for a user to make a self-service order payment through a palm payment channel; the payment authentication request is generated after detecting a triggering action of a payment authentication control displayed on a display component of a payment machine configured by a merchant; In response to the payment authentication request, transferring the authentication authority of the user to perform payment authentication at the payment machine to the user terminal; The user is authenticated for payment based on the palm image captured by the rear camera called by the user terminal and the reference palm image of the user, so that order payment processing is performed after the payment authentication is successful.

25. A storage medium for storing computer executable instructions, wherein the computer executable instructions, when executed by a processor, implement the following process: Obtain an image acquisition instruction issued by the server, and enter an image acquisition page based on the image acquisition instruction; Acquire the user's palm image captured by the rear camera through the image acquisition page; Sending the palm image to the server to verify the user's payment identity based on the palm image and a reference palm image of the user; in, The image acquisition instruction is issued after detecting the payment authentication request of the user for self-service order payment through the palm payment channel, and transferring the authentication authority of the user for payment authentication at the payment machine configured by the merchant to the user terminal; the payment authentication request is generated after detecting the triggering action of the payment authentication control displayed on the display component of the payment machine.

Images