Payment method, device and equipment based on intelligent necklace and intelligent necklace

Abstract

The invention provides a payment method based on an intelligent necklace, which can be applied to the technical fields of computer technology and financial science and technology. The payment method based on the intelligent necklace comprises the steps that in response to an intelligent necklace unlocking request initiated by a wearer, the neck action of the wearer is acquired, and the neck action is acquired by utilizing an action acquisition device arranged on the intelligent necklace; based on the neck action, performing identity verification on the wearer to obtain an identity verification result; under the condition that the identity verification result represents that the wearer is the owner of the intelligent necklace, acquiring a payment request initiated by the wearer; and initiating a payment operation in response to the payment request. The invention further provides a payment device and equipment based on the intelligent necklace, a storage medium and a program product.

Description

Technical Field

[0001] The present disclosure relates to the fields of computer technology and financial technology, and specifically to a payment method, device, equipment and smart necklace based on a smart necklace. Background Art

[0002] With the rapid development of wearable smart devices, it is becoming more and more common to communicate with smart phones through wearable smart devices such as smart bracelets and use smart bracelets to make payments, so that users' payment needs in most scenarios can be met without unlocking the phone.

[0003] In the process of implementing the present disclosure, the inventors found that the prior art has at least the following problems: when using a wearable smart device to make a payment, it is usually necessary to first use the payment software on the smartphone to authorize the smart device and then use a QR code to complete the payment. The above method has the security risk of the QR code being stolen and scanned, and it is difficult to complete payment processes such as active transfers. Summary of the invention

[0004] In view of the above problems, the present disclosure provides a payment method, device, equipment and smart necklace based on a smart necklace.

[0005] According to the first aspect of the present disclosure, a payment method based on a smart necklace is provided, comprising: in response to a smart necklace unlocking request initiated by a wearer, obtaining the wearer's neck movement, wherein the neck movement is collected by a motion collection device provided on the smart necklace; based on the neck movement, authenticating the wearer to obtain an authentication result; when the authentication result indicates that the wearer is the owner of the smart necklace, obtaining a payment request initiated by the wearer; and initiating a payment operation in response to the payment request.

[0006] According to an embodiment of the present disclosure, the wearer's identity is authenticated based on the neck movement to obtain an identity authentication result, including: determining the wearer's neck movement characteristics based on the neck movement; obtaining the unlocking movement characteristics saved in the smart necklace, wherein the unlocking movement characteristics are pre-entered by the owner; and comparing the neck movement characteristics with the unlocking movement characteristics to determine the identity authentication result.

[0007] According to an embodiment of the present disclosure, based on the neck movement, the neck movement characteristics of the wearer are determined, including: preprocessing the neck movement data to obtain preprocessed neck movement data, wherein the neck movement data is obtained by vectorizing the neck movement; extracting features from the preprocessed neck movement data to determine the time domain features of the movement, the frequency domain features of the movement, and the time-frequency features of the movement; and determining the neck movement characteristics based on the time domain features of the movement, the frequency domain features of the movement, and the time-frequency features of the movement.

[0008] According to an embodiment of the present disclosure, in response to a smart necklace unlocking request initiated by a wearer, the wearer's neck movement is obtained, including: when the movement collected by the motion collection device represents that the wearer performs a preset neck movement, determining that the wearer initiates the unlocking request, wherein the preset neck movement includes a preset movement direction and a preset movement range; in response to the unlocking request, the wearer's neck movement is collected by the motion collection device.

[0009] According to an embodiment of the present disclosure, when the identity authentication result represents the owner of the artificial smart necklace, a payment request initiated by the wearer is obtained, including: when the identity authentication result represents the owner of the artificial smart necklace, using the information transceiver component of the smart necklace to receive the payment request initiated by the wearer via Bluetooth and / or radio signals.

[0010] According to an embodiment of the present disclosure, a payment operation is initiated in response to a payment request, including: parsing the payment request to obtain a target account and payment amount corresponding to the payment request; generating a payment signal for executing the payment operation based on the target account, payment amount and the transaction chip of the smart necklace; and using an information transceiver component to send the payment signal to the payment device to complete the payment operation.

[0011] According to an embodiment of the present disclosure, the payment method based on the smart necklace also includes: using Bluetooth to connect the smart necklace to other operating terminals so as to make settings and changes to the working status and payment request of the smart necklace through the operating terminal.

[0012] The second aspect of the present disclosure provides a smart necklace, comprising: a necklace body, including a pendant and a chain, the pendant and the chain are connected; a motion acquisition device, including an accelerometer, a gyroscope, and a magnetometer, wherein the accelerometer and the gyroscope are installed inside the pendant, and the magnetometer is installed on the chain; and an information transceiver component, installed inside the pendant, for communicating with other terminal devices or payment devices via Bluetooth and / or radio signals.

[0013] The third aspect of the present disclosure provides a payment device based on a smart necklace, including: an action acquisition module, used to obtain the wearer's neck action in response to a smart necklace unlocking request initiated by the wearer, wherein the neck action is collected by a action collection device provided on the smart necklace; an identity authentication module, used to authenticate the wearer based on the neck action and obtain an identity authentication result; a request acquisition module, used to obtain a payment request initiated by the wearer when the identity authentication result indicates that the wearer is the owner of the smart necklace; and a payment initiation module, used to initiate a payment operation in response to the payment request.

[0014] A fourth aspect of the present disclosure provides an electronic device, comprising: one or more processors; and a memory for storing one or more computer programs, wherein the one or more processors execute the one or more computer programs to implement the steps of the above method.

[0015] The fifth aspect of the present disclosure further provides a computer-readable storage medium having a computer program or instructions stored thereon, which implements the steps of the above method when the above computer program or instructions are executed by a processor.

[0016] The sixth aspect of the present disclosure further provides a computer program product, including a computer program or instructions, which implement the steps of the above method when the above computer program or instructions are executed by a processor.

[0017] According to an embodiment of the present disclosure, the motion collection device on the smart necklace is used to collect the neck motion of the wearer. When it is determined that the wearer has initiated an unlocking request, the subsequent neck motion of the wearer is obtained, and the wearer's identity is authenticated based on the neck motion to determine whether the wearer is the owner of the smart necklace. The amount of operations required by the wearer to unlock the smart necklace can be reduced, thereby improving the user experience. By authenticating the wearer's identity through neck motion, the wearer's identity can be accurately verified based on biometric features such as the wearer's and the owner's motion habits, thereby improving the security of the smart necklace. When the wearer passes the identity authentication, the payment request initiated by the wearer is obtained, and a payment operation is initiated, so that the smart necklace can be used to complete the payment, thereby improving the efficiency and accuracy of the payment. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] The above contents and other objects, features and advantages of the present disclosure will become more apparent through the following description of the embodiments of the present disclosure with reference to the accompanying drawings, in which:

[0019] Figure 1 The application scenario diagram of the payment method, device, equipment, medium and program product based on the smart necklace according to the embodiment of the present disclosure is schematically shown;

[0020] Figure 2 The flowchart of the payment method based on the smart necklace according to the embodiment of the present disclosure is schematically shown;

[0021] Figure 3 The structure diagram of the smart necklace according to the embodiment of the present disclosure is schematically shown;

[0022] Figure 4 The structure block diagram of the payment device based on the smart necklace according to the embodiment of the present disclosure is schematically shown; and

[0023] Figure 5A block diagram of an electronic device suitable for implementing a payment method based on a smart necklace according to an embodiment of the present disclosure is schematically shown. DETAILED DESCRIPTION

[0024] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of the present disclosure. In the following detailed description, for ease of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present disclosure. However, it is apparent that one or more embodiments may also be implemented without these specific details. In addition, in the following description, descriptions of known structures and technologies are omitted to avoid unnecessary confusion of the concepts of the present disclosure.

[0025] The terms used herein are only for describing specific embodiments and are not intended to limit the present disclosure. The terms "comprise", "include", etc. used herein indicate the existence of the features, steps, operations and / or components, but do not exclude the existence or addition of one or more other features, steps, operations or components.

[0026] All terms (including technical and scientific terms) used herein have the meanings commonly understood by those skilled in the art unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification and should not be interpreted in an idealized or overly rigid manner.

[0027] When using expressions such as "at least one of A, B, and C, etc.", they should generally be interpreted according to the meaning of the expression commonly understood by those skilled in the art (for example, "a system having at least one of A, B, and C" should include but is not limited to a system having A alone, B alone, C alone, A and B, A and C, B and C, and / or A, B, C, etc.).

[0028] In the technical solution of the present disclosure, the user information (including but not limited to user personal information, user image information, user device information, such as location information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved are all information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data comply with relevant laws, regulations and standards, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0029] In the scenario of using personal information for automated decision-making, the methods, devices, and systems provided by the embodiments of the present disclosure provide users with corresponding operation portals for users to choose to agree or reject the automated decision-making results; if the user chooses to reject, the expert decision-making process will be entered. The expression "automated decision-making" here refers to the activity of automatically analyzing and evaluating a person's behavioral habits, interests and hobbies, or economic, health, credit status, etc. through computer programs, and making decisions. The expression "expert decision-making" here refers to the activity of making decisions by people who specialize in a certain field, have specialized experience, knowledge and skills, and have reached a certain level of professionalism.

[0030] An embodiment of the present disclosure provides a payment method based on a smart necklace, comprising: in response to a smart necklace unlocking request initiated by a wearer, obtaining the wearer's neck movement, wherein the neck movement is collected by a motion collection device provided on the smart necklace; based on the neck movement, authenticating the wearer to obtain an authentication result; when the authentication result indicates that the wearer is the owner of the smart necklace, obtaining a payment request initiated by the wearer; and initiating a payment operation in response to the payment request.

[0031] Figure 1 The application scenario diagram of the payment method, device, equipment, medium and program product based on the smart necklace according to the embodiment of the present disclosure is schematically shown.

[0032] like Figure 1 As shown, the application scenario 100 according to this embodiment may include a first terminal device 101, a second terminal device 102, a third terminal device 103, a network 104, a server 105, and a smart necklace 106. The network 104 is used to provide a medium for a communication link between the first terminal device 101, the second terminal device 102, the third terminal device 103, and the server 105. The network 104 may include various connection types, such as wired, wireless communication links, or optical fiber cables, etc.

[0033] The user can use the first terminal device 101, the second terminal device 102, and the third terminal device 103 to interact with the server 105 through the network 104 to receive or send messages, etc. Various communication client applications can be installed on the first terminal device 101, the second terminal device 102, and the third terminal device 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only for example).

[0034] The first terminal device 101, the second terminal device 102, and the third terminal device 103 may be various electronic devices having display screens and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers, and the like.

[0035] The server 105 may be a server that provides various services, such as a background management server (only as an example) that provides support for websites browsed by users using the first terminal device 101, the second terminal device 102, and the third terminal device 103. The background management server may analyze and process the received data such as user requests, and feed back the processing results (such as web pages, information, or data obtained or generated according to user requests) to the terminal device.

[0036] The user can use the first terminal device 101, the second terminal device 102, and the third terminal device 103 to interact with the smart necklace 106 via Bluetooth and / or radio signals to view and adjust the working status of the smart necklace 106 and send a payment request to the smart necklace 106.

[0037] The smart necklace 106 can generate a payment signal based on the payment request and send the payment signal to the payment device so that the payment device completes the payment operation corresponding to the payment request in response to the payment signal.

[0038] It should be noted that the smart necklace-based payment method provided in the embodiment of the present disclosure can generally be executed by the server 105. Accordingly, the smart necklace-based payment device provided in the embodiment of the present disclosure can generally be set in the server 105. The smart necklace-based payment method provided in the embodiment of the present disclosure can also be executed by a server or server cluster that is different from the server 105 and can communicate with the first terminal device 101, the second terminal device 102, the third terminal device 103 and / or the server 105. Correspondingly, the smart necklace-based payment device provided in the embodiment of the present disclosure can also be set in a server or server cluster that is different from the server 105 and can communicate with the first terminal device 101, the second terminal device 102, the third terminal device 103 and / or the server 105.

[0039] It should be understood that Figure 1 The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to the implementation requirements.

[0040] The following will be based on Figure 1 The scene described by Figure 2 The payment method based on the smart necklace of the disclosed embodiment is described in detail.

[0041] Figure 2 The flowchart of the payment method based on the smart necklace according to the embodiment of the present disclosure is schematically shown.

[0042] like Figure 2 As shown, the smart necklace-based payment method of this embodiment includes operations S210 to S240.

[0043] In operation S210, in response to a smart necklace unlocking request initiated by the wearer, the wearer's neck movement is obtained.

[0044] According to the embodiments of the present disclosure, the smart necklace unlock request can be initiated by the wearer through voice or neck movements. For example, the preset unlock request action is set to turn the head to the left, and the motion acquisition device on the smart necklace determines that the wearer turns his head to the left, triggering the unlock request. The acquisition of the neck movement after the unlock request is triggered is also performed using the motion acquisition device set in the smart necklace, where the motion acquisition device includes but is not limited to an accelerometer, a gyroscope, and a magnetometer.

[0045] In operation S220, based on the neck movement, the wearer is authenticated and an authentication result is obtained.

[0046] According to an embodiment of the present disclosure, the identity of the wearer can be determined by analyzing and processing the neck movement, and the identity authentication result can be used to characterize whether the wearer is the owner of the smart necklace.

[0047] In operation S230, when the identity authentication result indicates that the person wearing the smart necklace is the owner, a payment request initiated by the wearer is obtained.

[0048] According to an embodiment of the present disclosure, after identity authentication, when it is determined that the wearer's neck movement habit is consistent with that of the owner of the smart necklace, it can be determined that the wearer is the owner of the smart necklace, and therefore its payment request can be obtained to enter the subsequent process, wherein the neck movement habit can be determined by extracting features from the neck movement, and whether the neck movement habit is consistent with that of the owner of the smart necklace can be determined by comparing the neck movement features of the wearer with those of the owner.

[0049] According to an embodiment of the present disclosure, when it is determined that the wearer's neck movement habits are inconsistent with those of the owner of the smart necklace, it can be determined that the wearer is not the owner of the smart necklace, and therefore the smart necklace is at risk of being lost or misused, and the owner of the smart necklace can be prompted by sending a message to the mobile device bound to the smart necklace.

[0050] In operation S240 , a payment operation is initiated in response to the payment request.

[0051] According to an embodiment of the present disclosure, a payment request can be initiated through a mobile device bound to or connected to the smart necklace, including the payment amount and target account entered by the wearer, wherein the target account is the account into which the payment amount is deposited.

[0052] According to an embodiment of the present disclosure, the motion collection device on the smart necklace is used to collect the neck motion of the wearer. When it is determined that the wearer has initiated an unlocking request, the subsequent neck motion of the wearer is obtained, and the wearer's identity is authenticated based on the neck motion to determine whether the wearer is the owner of the smart necklace. The amount of operations required by the wearer to unlock the smart necklace can be reduced, thereby improving the user experience. By authenticating the wearer's identity through neck motion, the wearer's identity can be accurately verified based on biometric features such as the wearer's and the owner's motion habits, thereby improving the security of the smart necklace. When the wearer passes the identity authentication, the payment request initiated by the wearer is obtained, and a payment operation is initiated, so that the smart necklace can be used to complete the payment, thereby improving the efficiency and accuracy of the payment.

[0053] According to an embodiment of the present disclosure, the wearer's identity is authenticated based on the neck movement to obtain an identity authentication result, including: determining the wearer's neck movement characteristics based on the neck movement; obtaining the unlocking movement characteristics saved in the smart necklace, wherein the unlocking movement characteristics are pre-entered by the owner; and comparing the neck movement characteristics with the unlocking movement characteristics to determine the identity authentication result.

[0054] According to an embodiment of the present disclosure, the neck action feature is obtained by extracting the features of the wearer's neck action. The unlocking action feature can be determined and saved by the owner recording a specific neck action after the owner activates the necklace for the first time and extracting the features of the owner's specific neck action.

[0055] According to the embodiments of the present disclosure, the process of comparing the neck action feature with the unlocking action feature can be performed by calculating the similarity or distance between the two. Taking the Euclidean distance as an example, the larger the Euclidean distance between the two, the lower the similarity between the two. By setting a distance threshold, the identity authentication result corresponding to the feature with a Euclidean distance greater than the distance threshold can be determined as an identity authentication failure, that is, the neck action habit of the wearer is inconsistent with that of the owner of the smart necklace.

[0056] According to the embodiments of the present disclosure, the movement characteristics of the wearer's neck can be judged to obtain the wearer's biometric characteristics, and further identity verification is performed to determine whether the wearer is the owner of the smart necklace, thereby ensuring the accuracy of identity verification and improving payment security.

[0057] According to an embodiment of the present disclosure, based on the neck movement, the neck movement characteristics of the wearer are determined, including: preprocessing the neck movement data to obtain preprocessed neck movement data, wherein the neck movement data is obtained by vectorizing the neck movement; extracting features from the preprocessed neck movement data to determine the time domain features of the movement, the frequency domain features of the movement, and the time-frequency features of the movement; and determining the neck movement characteristics based on the time domain features of the movement, the frequency domain features of the movement, and the time-frequency features of the movement.

[0058] According to the embodiments of the present disclosure, preprocessing can be achieved by eliminating outliers in the neck motion data, and the characteristics obtained by feature extraction may include motion time domain features, motion frequency domain features and motion time-frequency features, wherein the motion time domain features can be determined by analyzing the waveform graph and the timing graph, the motion frequency domain features can be determined by Fourier transform, and the time-frequency features can be determined by short-time Fourier transform, wavelet transform and other means.

[0059] According to the embodiments of the present disclosure, by preprocessing the neck motion data, the influence of other factors on the neck motion is effectively reduced, and the accuracy of the feature is improved. Since the motion feature is determined by integrating multiple characteristics such as time domain, frequency and time-frequency, the comprehensiveness of the neck motion feature is improved, and the accuracy of identity verification is further improved.

[0060] According to an embodiment of the present disclosure, in response to a smart necklace unlocking request initiated by a wearer, the wearer's neck movement is obtained, including: when the movement collected by the motion collection device represents that the wearer performs a preset neck movement, determining that the wearer initiates the unlocking request, wherein the preset neck movement includes a preset movement direction and a preset movement range; in response to the unlocking request, the wearer's neck movement is collected by the motion collection device.

[0061] According to an embodiment of the present disclosure, since the wearer's neck movement will cause the motion collection device to vibrate, the motion collection device can be set to turn on when it is vibrated. After being vibrated, the motion collection device determines whether the wearer's neck movement is a preset neck movement. If it is determined that the wearer performs the preset neck movement, the wearer's subsequent neck movements are collected.

[0062] According to an embodiment of the present disclosure, when the differences between the wearer's neck movement and the preset activity direction and preset activity range of the preset neck movement are both smaller than the preset differences, it can be determined that the wearer has performed the preset neck movement. For example, the preset neck movement is to turn the head 60° to the right, and the preset difference is 10°, then the wearer turning the head 55° to the right can also be regarded as performing the preset neck movement.

[0063] According to the embodiments of the present disclosure, the neck movements of the wearer are monitored by a motion acquisition device. When the wearer performs a neck movement and the neck movement is a preset neck movement, the neck movement is subsequently acquired. Therefore, when the wearer does not perform a neck movement, the motion acquisition device may not be turned on temporarily, thereby reducing the power consumption of the smart necklace, thereby reducing the charging frequency, improving the user experience, and improving the stability of the operation of the smart necklace.

[0064] According to an embodiment of the present disclosure, when the identity authentication result represents the owner of the artificial smart necklace, a payment request initiated by the wearer is obtained, including: when the identity authentication result represents the owner of the artificial smart necklace, using the information transceiver component of the smart necklace to receive the payment request initiated by the wearer via Bluetooth and / or radio signals.

[0065] According to an embodiment of the present disclosure, a transaction chip may be provided in the smart necklace, and in the actual payment process, the data of the transaction chip is required. Since it is difficult to set up an input device on the smart necklace, it is difficult to directly edit the payment request through the smart necklace. The wearer can edit the payment request on other devices and send it to the smart necklace from other devices.

[0066] According to an embodiment of the present disclosure, when the device corresponding to the payment request is a smart phone, the smart necklace can be connected to the smart phone via Bluetooth and accept the payment request. When the payment request is sent by a device such as a POS (Point of Sale) terminal, the payment request can be received via a radio signal such as a near field communication signal (NFC).

[0067] According to the embodiments of the present disclosure, an information transceiver component is used to receive payment requests through multiple channels such as Bluetooth or NFC, so that the smart necklace can meet multiple payment scenarios and improve the practicality of the smart necklace.

[0068] According to an embodiment of the present disclosure, a payment operation is initiated in response to a payment request, including: parsing the payment request to obtain a target account and payment amount corresponding to the payment request; generating a payment signal for executing the payment operation based on the target account, payment amount and the transaction chip of the smart necklace; and using an information transceiver component to send the payment signal to the payment device to complete the payment operation.

[0069] According to an embodiment of the present disclosure, after the smart necklace receives a payment request, the transaction chip in the smart necklace can be used to mark the payment request so that the payment terminal can recognize the mark and ensure the smooth progress of the transaction. Based on the target account, the payment amount and the transaction chip of the smart necklace, a payment signal for performing a payment operation can be generated, wherein the payment signal is used to indicate that the payment amount is transferred from the account corresponding to the transaction chip to the target account, wherein the payment device can include a deposit and withdrawal machine.

[0070] According to an embodiment of the present disclosure, the transaction chip of the smart necklace can be the same chip as the embedded chip in the bank card, such as Europay, Mastercard, and Visa (EMV) chips. Therefore, a transaction process similar to that of a bank card can be performed based on the smart necklace. For example, in the case where the network connection of the device initiating the payment request is interrupted, the payment request can be sent to the smart necklace via Bluetooth. The smart necklace generates a payment signal based on the payment request and the transaction chip, and sends the payment signal to the payment device, such as a cash deposit and withdrawal machine, a POS machine, and other devices. The payment device completes the payment process by verifying the transaction chip, thereby reducing the requirements for the network quality of the device initiating the payment request.

[0071] According to the embodiments of the present disclosure, a payment signal is generated based on the transaction chip and the payment request, and the payment signal can be used to complete the payment without relying on the network, enriching the scenarios in which the smart necklace can be used and reducing its requirements for network status and network quality. In addition, since the payment signal includes the target account, the payment amount, and the transaction chip, i.e., the expenditure account, the security and accuracy of the payment can be improved.

[0072] According to an embodiment of the present disclosure, the payment method based on the smart necklace also includes: using Bluetooth to connect the smart necklace to other operating terminals so as to make settings and changes to the working status and payment request of the smart necklace through the operating terminal.

[0073] According to the embodiments of the present disclosure, since the volume and other parameters of the smart necklace are limited, it is difficult for the smart necklace to receive input data in forms other than voice. The smart necklace can be connected to other operating terminals via Bluetooth to enable the use of other operating terminals to set and change the working status and payment requests of the smart necklace. Other operating terminals include but are not limited to smart phones and POS machines.

[0074] According to the embodiments of the present disclosure, the connection between the smart necklace and an operating terminal such as a smart phone is achieved through Bluetooth, so that the working status of the smart necklace itself, the remaining power, the payment request corresponding to the transaction that needs to be executed by the smart necklace and other information can be viewed and edited on the smart phone, thereby enriching the operation methods of the payment process and improving the operational convenience.

[0075] Figure 3 The structural diagram of a smart necklace according to an embodiment of the present disclosure is schematically shown.

[0076] like Figure 3 As shown, the smart necklace 300 includes a necklace body 310, a motion acquisition device 320 and an information transceiver component 330, wherein the necklace body 310 includes a pendant 311 and a chain 312, and the pendant 311 and the chain 312 are connected. The motion acquisition device 320 includes an accelerometer 321, a gyroscope 322, and a magnetometer 323, wherein the accelerometer 321 and the gyroscope 322 are installed inside the pendant 311, and the magnetometer 323 is installed on the chain 312. The information transceiver component 330 is installed inside the pendant 311, and is used to communicate with other terminal devices or payment devices via Bluetooth and / or radio signals. The processor is installed inside the pendant and is used to execute the above-mentioned payment method based on the smart necklace. The smart necklace 300 can also include a fingerprint recognition area 340, and the wearer can perform fingerprint recognition and comparison by touching the fingerprint recognition area 340. When it is determined that the fingerprint matches the fingerprint of the owner saved in advance, it is determined that the wearer is the owner of the smart necklace.

[0077] According to the embodiment of the present disclosure, the accelerometer can be a high-precision, low-power three-axis accelerometer embedded in the pendant to ensure stable data collection during neck movements. The accelerometer is used to capture changes in the linear acceleration of the neck, such as rapid movement and shaking of the head.

[0078] According to an embodiment of the present disclosure, a gyroscope can be installed in the pendant together with an accelerometer. The gyroscope is used to measure the angular velocity of the neck rotation and to identify the rotation, tilt and other movements of the head.

[0079] According to an embodiment of the present disclosure, a magnetometer may be installed on a link of a necklace chain that is not in direct contact with the skin, to ensure that it can accurately sense the direction of the earth's magnetic field, thereby correcting directional deviations caused by neck movements.

[0080] According to the embodiments of the present disclosure, the wearer's neck posture and neck movement can also be collected and processed through an intelligent sensor array. The intelligent sensor array is composed of a plurality of micro sensors, which are made of flexible conductive fiber materials and can fit the neck curve to adapt to the data collection requirements under different postures. Among them, the sensor array is designed to surround the neck, including multiple positions such as front, back, left, right and side, to ensure that the information of neck movement can be fully captured, and the number of accelerometers and gyroscopes is increased below the back neck and on the side to better capture the bending and rotation of the neck; at the front neck position, magnetometers are mainly arranged to correct the direction.

[0081] According to an embodiment of the present disclosure, since the area below the back of the neck is usually one of the areas where the neck moves most frequently, a plurality of accelerometers and gyroscopes are arranged at this location to capture the forward and backward bending and rotational movements of the neck.

[0082] Based on the above-mentioned payment method based on the smart necklace, the present disclosure also provides a payment device based on the smart necklace. Figure 4 The device is described in detail.

[0083] Figure 4 The structural block diagram of a payment device based on a smart necklace according to an embodiment of the present disclosure is schematically shown.

[0084] like Figure 4 As shown, the smart necklace-based payment device 400 of this embodiment includes an action acquisition module 410, an identity authentication module 420, a request acquisition module 430 and a payment initiation module 440.

[0085] The action acquisition module 410 is used to respond to the smart necklace unlocking request initiated by the wearer and acquire the neck action of the wearer, wherein the neck action is acquired by using the action acquisition device provided in the smart necklace. In one embodiment, the action acquisition module 410 can be used to execute the operation S210 described above, which will not be described in detail here.

[0086] The identity verification module 420 is used to verify the identity of the wearer based on the neck movement and obtain an identity verification result. In one embodiment, the identity verification module 420 can be used to perform the operation S220 described above, which will not be repeated here.

[0087] The request acquisition module 430 is used to obtain the payment request initiated by the wearer when the identity authentication result indicates that the wearer is the owner of the smart necklace. In one embodiment, the request acquisition module 430 can be used to perform the operation S230 described above, which will not be repeated here.

[0088] The payment initiation module 440 is used to initiate a payment operation in response to a payment request. In one embodiment, the payment initiation module 440 can be used to perform the operation S240 described above, which will not be described in detail here.

[0089] According to an embodiment of the present disclosure, the identity authentication module 420 includes a feature determination submodule, a feature acquisition submodule and a feature comparison submodule.

[0090] The feature determination submodule is used to determine the neck movement features of the wearer based on the neck movement.

[0091] The feature acquisition submodule is used to obtain the unlocking action features saved in the smart necklace, wherein the unlocking action features are pre-entered by the owner.

[0092] The feature comparison submodule is used to compare the neck motion feature with the unlocking motion feature to determine the identity authentication result.

[0093] According to an embodiment of the present disclosure, the feature determination submodule includes a data preprocessing unit, a feature extraction unit and a feature determination unit.

[0094] The data preprocessing unit is used to preprocess the neck motion data to obtain preprocessed neck motion data, wherein the neck motion data is obtained by vectorizing the neck motion.

[0095] The feature extraction unit is used to extract features from the pre-processed neck motion data to determine the motion time domain features, motion frequency domain features and motion time-frequency features.

[0096] The feature determination unit is used to determine the neck motion feature based on the motion time domain feature, the motion frequency domain feature and the motion time-frequency feature.

[0097] According to an embodiment of the present disclosure, the action acquisition module 410 includes a request determination submodule and an action collection submodule.

[0098] The request determination submodule is used to determine that the wearer initiates an unlocking request when the action collected by the action collection device represents that the wearer performs a preset neck action, wherein the preset neck action includes a preset activity direction and a preset activity range.

[0099] The motion collection submodule is used to collect the neck motion of the wearer using the motion collection device in response to the unlocking request.

[0100] According to an embodiment of the present disclosure, the request acquisition module 430 includes a request acquisition submodule.

[0101] The request acquisition submodule is used to receive the payment request initiated by the wearer through Bluetooth and / or radio signals using the information transceiver component of the smart necklace when the identity authentication result indicates that the wearer is the owner of the smart necklace.

[0102] According to an embodiment of the present disclosure, the payment initiation module 440 includes a request parsing submodule, a signal generating submodule, and a signal sending submodule.

[0103] The request parsing submodule is used to parse the payment request and obtain the target account and payment amount corresponding to the payment request.

[0104] The signal generation submodule is used to generate a payment signal for performing a payment operation based on the target account, payment amount and the transaction chip of the smart necklace.

[0105] The signal sending submodule is used to send the payment signal to the payment device using the information transceiver component to complete the payment operation.

[0106] According to an embodiment of the present disclosure, the smart necklace-based payment device 400 further includes a terminal connection module.

[0107] The terminal connection module is used to connect the smart necklace to other operating terminals using Bluetooth, so as to make changes to the working status and payment request settings of the smart necklace through the operating terminal.

[0108] According to an embodiment of the present disclosure, any multiple modules of the action acquisition module 410, the identity authentication module 420, the request acquisition module 430, and the payment initiation module 440 can be combined into one module for implementation, or any one of the modules can be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules can be combined with at least part of the functions of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the action acquisition module 410, the identity authentication module 420, the request acquisition module 430, and the payment initiation module 440 can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on a chip, a system on a substrate, a system on a package, an application specific integrated circuit (ASIC), or can be implemented by hardware or firmware such as any other reasonable way of integrating or packaging the circuit, or implemented in any one of the three implementation methods of software, hardware, and firmware, or in any appropriate combination of any of them. Alternatively, at least one of the action acquisition module 410 , the identity authentication module 420 , the request acquisition module 430 , and the payment initiation module 440 may be at least partially implemented as a computer program module, which may perform corresponding functions when executed.

[0109] Figure 5 A block diagram of an electronic device suitable for implementing a payment method based on a smart necklace according to an embodiment of the present disclosure is schematically shown.

[0110] like Figure 5As shown, the electronic device 500 according to an embodiment of the present disclosure includes a processor 501, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 502 or a program loaded from a storage part 508 to a random access memory (RAM) 503. The processor 501 may include, for example, a general-purpose microprocessor (such as a CPU), an instruction set processor and / or a related chipset and / or a special-purpose microprocessor (for example, an application-specific integrated circuit (ASIC)), etc. The processor 501 may also include an onboard memory for caching purposes. The processor 501 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present disclosure.

[0111] In RAM 503, various programs and data required for the operation of electronic device 500 are stored. Processor 501, ROM 502 and RAM 503 are connected to each other via bus 504. Processor 501 performs various operations of the method flow according to the embodiment of the present disclosure by executing the program in ROM 502 and / or RAM 503. It should be noted that the program can also be stored in one or more memories other than ROM 502 and RAM 503. Processor 501 can also perform various operations of the method flow according to the embodiment of the present disclosure by executing the program stored in the one or more memories.

[0112] According to an embodiment of the present disclosure, the electronic device 500 may further include an input / output (I / O) interface 505, which is also connected to the bus 504. The electronic device 500 may further include one or more of the following components connected to the input / output (I / O) interface 505: an input portion 506 including a keyboard, a mouse, etc.; an output portion 507 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage portion 508 including a hard disk, etc.; and a communication portion 509 including a network interface card such as a LAN card, a modem, etc. The communication portion 509 performs communication processing via a network such as the Internet. A drive 510 is also connected to the input / output (I / O) interface 505 as needed. A removable medium 511, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 510 as needed, so that a computer program read therefrom is installed into the storage portion 508 as needed.

[0113] The present disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or may exist independently without being assembled into the device / apparatus / system. The above computer-readable storage medium carries one or more programs, and when the above one or more programs are executed, the method according to the embodiment of the present disclosure is implemented.

[0114] According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, for example, it may include but is not limited to: a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In the present disclosure, a computer-readable storage medium may be any tangible medium containing or storing a program, which may be used by or in combination with an instruction execution system, an apparatus or a device. For example, according to an embodiment of the present disclosure, the computer-readable storage medium may include the ROM 502 and / or RAM 503 described above and / or one or more memories other than ROM 502 and RAM 503.

[0115] The embodiment of the present disclosure also includes a computer program product, which includes a computer program, and the computer program contains program code for executing the method shown in the flowchart. When the computer program product is run in a computer system, the program code is used to enable the computer system to implement the payment method based on the smart necklace provided by the embodiment of the present disclosure.

[0116] The above functions defined in the system / device of the embodiment of the present disclosure are performed when the computer program is executed by the processor 501. According to the embodiment of the present disclosure, the system, device, module, unit, etc. described above can be implemented by a computer program module.

[0117] In one embodiment, the computer program may rely on tangible storage media such as optical storage devices, magnetic storage devices, etc. In another embodiment, the computer program may also be transmitted and distributed in the form of signals on a network medium, and downloaded and installed through the communication part 509, and / or installed from the removable medium 511. The program code contained in the computer program may be transmitted using any appropriate network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0118] In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 509, and / or installed from the removable medium 511. When the computer program is executed by the processor 501, the above functions defined in the system of the embodiment of the present disclosure are performed. According to the embodiment of the present disclosure, the system, device, means, module, unit, etc. described above can be implemented by a computer program module.

[0119] According to an embodiment of the present disclosure, the program code for executing the computer program provided by the embodiment of the present disclosure can be written in any combination of one or more programming languages. Specifically, these computing programs can be implemented using high-level process and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, Java, C++, python, "C" language or similar programming languages. The program code can be executed entirely on the user computing device, partially on the user device, partially on the remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, using an Internet service provider to connect through the Internet).

[0120] The flow charts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0121] It will be appreciated by those skilled in the art that the features described in the various embodiments of the present disclosure may be combined and / or combined in a variety of ways, even if such combinations or combinations are not explicitly described in the present disclosure. In particular, without departing from the spirit and teachings of the present disclosure, the features described in the various embodiments of the present disclosure may be combined and / or combined in a variety of ways. All of these combinations and / or combinations fall within the scope of the present disclosure.

[0122] The embodiments of the present disclosure are described above. However, these embodiments are only for illustrative purposes and are not intended to limit the scope of the present disclosure. Although the embodiments are described above, this does not mean that the measures in the various embodiments cannot be used in combination to advantage. Without departing from the scope of the present disclosure, those skilled in the art may make a variety of substitutions and modifications, which should all fall within the scope of the present disclosure.

Claims

1. A payment method based on a smart necklace, characterized in that: The method comprises: In response to a smart necklace unlocking request initiated by a wearer, a neck movement of the wearer is acquired, wherein the neck movement is acquired by using a motion acquisition device provided in the smart necklace; Based on the neck movement, identity verification is performed on the wearer to obtain an identity verification result; When the identity verification result indicates that the wearer is the owner of the smart necklace, obtaining a payment request initiated by the wearer; and In response to the payment request, a payment operation is initiated.

2. The method according to claim 1, characterized in that The identity verification of the wearer based on the neck movement to obtain the identity verification result includes: Based on the neck movement, determining the neck movement characteristics of the wearer; Obtaining an unlocking action feature stored in the smart necklace, wherein the unlocking action feature is pre-entered by the owner; and The neck motion feature is compared with the unlocking motion feature to determine the identity authentication result.

3. The method according to claim 2, characterized in that The determining, based on the neck movement, the neck movement feature of the wearer includes: Preprocessing the neck motion data to obtain preprocessed neck motion data, wherein the neck motion data is obtained by vectorizing the neck motion; Extracting features from the pre-processed neck motion data to determine motion time domain features, motion frequency domain features, and motion time-frequency features; and The neck motion feature is determined based on the motion time domain feature, the motion frequency domain feature and the motion time-frequency feature.

4. The method according to claim 1, characterized in that The step of obtaining the neck movement of the wearer in response to the smart necklace unlocking request initiated by the wearer includes: In the case where the action collected by the action collection device represents that the wearer performs a preset neck action, determining that the wearer initiates the unlocking request, wherein the preset neck action includes a preset activity direction and a preset activity range; and In response to the unlocking request, the motion collection device is used to collect the neck motion of the wearer.

5. The method according to claim 1, characterized in that When the identity verification result indicates that the wearer is the owner of the smart necklace, obtaining a payment request initiated by the wearer includes: When the identity authentication result indicates that the wearer is the owner of the smart necklace, the information transceiver component of the smart necklace is used to receive the payment request initiated by the wearer via Bluetooth and / or radio signals.

6. The method according to claim 5, characterized in that Initiating a payment operation in response to the payment request includes: Parsing the payment request to obtain a target account and a payment amount corresponding to the payment request; Based on the target account, the payment amount and the transaction chip of the smart necklace, generating a payment signal for performing the payment operation; and The payment signal is sent to the payment device using the information transceiver component to complete the payment operation.

7. The method according to claim 1, characterized in that The method further comprises: The smart necklace is connected to other operating terminals using Bluetooth so that the working status of the smart necklace and the payment request can be set and changed through the operating terminal.

8. A smart necklace, characterized in that: The smart necklace comprises: The necklace body comprises a pendant and a chain, wherein the pendant is connected to the chain; A motion acquisition device, comprising an accelerometer, a gyroscope, and a magnetometer, wherein the accelerometer and the gyroscope are installed inside the pendant, and the magnetometer is installed on the chain; An information transceiver component, installed inside the pendant, used to communicate with other terminal devices or payment devices via Bluetooth and / or radio signals; A processor is installed inside the pendant and is used to execute the steps of the method according to any one of claims 1 to 7.

9. A payment device based on a smart necklace, characterized in that: The device comprises: An action acquisition module, used to respond to a smart necklace unlocking request initiated by a wearer and acquire the neck action of the wearer, wherein the neck action is acquired by using an action acquisition device provided in the smart necklace; An identity authentication module, used to authenticate the wearer based on the neck movement and obtain an identity authentication result; A request acquisition module, used to acquire a payment request initiated by the wearer when the identity authentication result indicates that the wearer is the owner of the smart necklace; and The payment initiation module is used to initiate a payment operation in response to the payment request.

10. An electronic device, comprising: one or more processors; a memory for storing one or more computer programs, It is characterized in that the one or more processors execute the one or more computer programs to implement the steps of the method according to any one of claims 1 to 7.

11. A computer-readable storage medium having a computer program or instruction stored thereon, characterized in that: When the computer program or instruction is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.

12. A computer program product comprising a computer program or instructions, characterized in that When the computer program or instruction is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.

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