Transaction payment processing method and device, electronic equipment, medium and product

Abstract

The invention provides a transaction payment processing method and device, electronic equipment, a computer readable storage medium and a computer program product, and the method comprises the steps: obtaining a biological feature of a first object in response to a payment instruction of the first object for a target transaction, and obtaining a second object having a binding relation with the first object based on the biological feature; sending a video call request to the terminal of the second object, and when the second object triggers a confirmation operation for the video call request, establishing a video call connection with the terminal of the second object; in the process of carrying out the video call based on the video call connection, obtaining call data of the second object; when it is determined that the call data includes transaction determination information of the second object for the target transaction, obtaining a payment voucher of the second object; and paying the target transaction based on the payment voucher of the second object. Therefore, the security of payment processing of the transaction can be improved.

Description

Technical Field

[0001] The present application relates to the field of Internet technology, and in particular to a payment processing method, device, electronic device, computer-readable storage medium, and computer program product for a transaction. Background Art

[0002] Since children or the elderly have their own payment accounts, it is difficult for guardians to supervise offline payments. Even through direct deductions or limits, frequency limits and other strategies, follow-up processing can only be carried out after payment, resulting in low security when processing payments for transactions. Summary of the invention

[0003] Embodiments of the present application provide a payment processing method, device, electronic device, computer-readable storage medium, and computer program product for a transaction, which can improve the security of payment processing for a transaction.

[0004] The technical solution of the embodiment of the present application is implemented as follows:

[0005] The present application embodiment provides a payment processing method for a transaction, including:

[0006] In response to a payment instruction of a first object for a target transaction, acquiring a biometric feature of the first object, and acquiring a second object having a binding relationship with the first object based on the biometric feature;

[0007] Sending a video call request to a terminal of the second object, and when the second object triggers a confirmation operation for the video call request, establishing a video call connection with the terminal of the second object;

[0008] During the video call based on the video call connection, acquiring call data of the second object;

[0009] When it is determined that the call data includes transaction confirmation information of the second object for the target transaction, obtaining a payment credential of the second object;

[0010] The target transaction is paid based on the payment credentials of the second object.

[0011] The present application embodiment provides a payment processing device for a transaction, including:

[0012] A first acquisition module, configured to acquire a biometric feature of a first object in response to a payment instruction of a first object for a target transaction, and acquire a second object having a binding relationship with the first object based on the biometric feature;

[0013] an establishing module, configured to send a video call request to a terminal of the second object, and when the second object triggers a confirmation operation for the video call request, establish a video call connection with the terminal of the second object;

[0014] A second acquisition module, configured to acquire the call data of the second object during the process of conducting a video call based on the video call connection;

[0015] a third acquisition module, configured to acquire a payment credential of the second object when it is determined that the call data includes transaction confirmation information of the second object for the target transaction;

[0016] A payment module is used to pay for the target transaction based on the payment credential of the second object.

[0017] In the above scheme, the device also includes a detection module, which is used to analyze the call data of the second object to obtain the data type of the call data; use a method corresponding to the data type to detect the call data of the second object to obtain a detection result; wherein the detection result is used to indicate whether the call data includes the transaction confirmation information.

[0018] In the above scheme, the data type of the call data indicates that the call data is voice data, and the detection module is also used to divide the voice data to obtain at least one voice segment; obtain at least one pre-set standard voice segment, and for each voice segment, compare the voice segment with the at least one standard voice segment respectively to obtain a comparison result; determine the detection result based on at least one of the comparison results.

[0019] In the above scheme, the data type of the call data indicates that the call data is image data, and the image data includes at least one frame of image; the detection module is also used to respectively identify the posture of the second object in each of the images to obtain the posture of the second object in each of the images; determine the posture recognition result of the second object in combination with the posture of the second object in each of the images, and the posture recognition result is used to indicate whether the second object has performed the target operation; based on the posture recognition result of the second object, determine the detection result.

[0020] In the above scheme, the first acquisition module is also used to identify the first object based on the biometric features of the first object to obtain the identity of the first object; based on the identity of the first object, query the second object that has a binding relationship with the first object.

[0021] In the above scheme, the first acquisition module is also used to acquire at least one object biometric feature, and different object biometric features correspond to different object identities; the biometric feature of the first object is matched with the at least one object biometric feature for similarity to obtain a matching result; from at least one of the matching results, the matching result with the largest similarity value is selected as the target matching result; the target object biometric feature corresponding to the target matching result is determined, and the object identity corresponding to the target object biometric feature is used as the identity of the first object.

[0022] In the above scheme, the device also includes a binding module, which is used to send a relationship binding request to the terminal of the second object when receiving a relationship binding operation of the first object to the second object; when the second object triggers a confirmation operation for the relationship binding request, obtain binding information, and the binding information includes at least one of the identity of the first object, the identity of the second object, and the binding validity period; in response to the confirmation operation of the first object on the binding information, establish a binding relationship between the first object and the second object based on the identity of the first object and the identity of the second object.

[0023] In the above scheme, the third acquisition module is also used to obtain the payment password, payment account and current timestamp of the second object when it is determined that the call data includes transaction confirmation information of the second object for the target transaction; based on the payment password, the payment account and the current timestamp, generate a dynamic payment code that is valid within a preset time period; and use the dynamic payment code as the payment credential of the second object.

[0024] In the above scheme, the third acquisition module is also used to send a payment credential acquisition request to the terminal of the second object when it is determined that the call data includes transaction confirmation information of the second object for the target transaction, so that the terminal of the second object determines the payment credential of the second object based on the payment credential acquisition request; and receive the payment credential of the second object returned by the terminal of the second object.

[0025] In the above scheme, the payment voucher is the payment code of the second object; the payment module is also used to verify the validity of the payment code to obtain a verification result; when the verification result indicates that the payment code has passed the verification, a payment order corresponding to the target transaction is generated, and a deduction request carrying the payment order is sent to the target payment platform corresponding to the payment code, so that the target payment platform deducts the amount corresponding to the payment order from the account of the second object; the deduction result returned by the target payment platform is received, and the deduction result is determined as the payment result of the target transaction.

[0026] In the above scheme, the device also includes a prompt module, which is used to send payment prompt information including transaction information of the target transaction to the terminal of the second object when the target transaction is successfully paid based on the payment certificate of the second object; wherein, the payment prompt information is used to prompt that the payment of the target transaction is successful, and the transaction information includes at least one of the following: the time, amount, location, and transaction item of the target transaction.

[0027] An embodiment of the present application provides an electronic device, including:

[0028] A memory for storing executable instructions;

[0029] The processor is used to implement the payment processing method for the transaction provided in the embodiment of the present application when executing the executable instructions stored in the memory.

[0030] An embodiment of the present application provides a computer-readable storage medium storing executable instructions for causing a processor to execute and implement the payment processing method for the transaction provided in the embodiment of the present application.

[0031] The embodiment of the present application provides a computer program product or a computer program, which includes computer instructions stored in a computer-readable storage medium. A processor of an electronic device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the electronic device executes the payment processing method for the transaction provided in the embodiment of the present application.

[0032] The embodiments of the present application have the following beneficial effects:

[0033] In response to a payment instruction of a first object for a target transaction, based on the biometrics of the first object, a second object having a binding relationship with the first object is obtained, and then a video call connection is established between the terminal of the second object, and in the process of conducting a video call based on the video call connection, the call data of the second object is obtained, and when it is determined that the call data includes the transaction confirmation information of the second object for the target transaction, the target transaction is paid based on the payment voucher of the second object. In this way, during the payment process of the first object, a video call connection is established between the terminal of the second object, and the transaction confirmation information of the second object for the target transaction is obtained during the video call. Compared with the solution of confirming after the transaction payment in the related art, by determining in real time whether the second object agrees with the first object to pay for the target transaction, the security of the payment processing of the transaction is improved. BRIEF DESCRIPTION OF THE DRAWINGS

[0034] Figure 1It is a schematic diagram of the architecture of a payment processing system 100 for transactions provided in an embodiment of the present application;

[0035] Figure 2 is a schematic diagram of the structure of an electronic device provided in an embodiment of the present application;

[0036] Figure 3 It is a flowchart of a payment processing method for a transaction provided in an embodiment of the present application;

[0037] Figure 4 is a schematic diagram of a merchant's terminal when a first object purchases a commodity provided by an embodiment of the present application;

[0038] Figure 5 It is a flowchart of a process of acquiring a second object having a binding relationship with a first object based on a biometric feature provided in an embodiment of the present application;

[0039] Figure 6 It is a flowchart of a payment processing method for a transaction provided in an embodiment of the present application;

[0040] Figure 7 It is a flowchart of the binding process provided by the embodiment of the present application;

[0041] Figure 8 It is a flowchart of the payment process provided by the embodiment of the present application;

[0042] Fig. 9 It is a technical architecture diagram of the payment code granting solution based on video call provided in an embodiment of the present application. DETAILED DESCRIPTION

[0043] In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings. The described embodiments should not be regarded as limiting the present application. All other embodiments obtained by ordinary technicians in the field without making creative work are within the scope of protection of this application.

[0044] In the following description, reference is made to “some embodiments”, which describe a subset of all possible embodiments, but it will be understood that “some embodiments” may be the same subset or different subsets of all possible embodiments and may be combined with each other without conflict.

[0045] In the following description, the terms "first\second\third" involved are merely used to distinguish similar objects and do not represent a specific ordering of the objects. It can be understood that "first\second\third" can be interchanged with a specific order or sequence where permitted, so that the embodiments of the present application described herein can be implemented in an order other than that illustrated or described herein.

[0046] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as those commonly understood by those skilled in the art to which this application belongs. The terms used herein are only for the purpose of describing the embodiments of this application and are not intended to limit this application.

[0047] Before further describing the embodiments of the present application in detail, the nouns and terms involved in the embodiments of the present application are explained. The nouns and terms involved in the embodiments of the present application are subject to the following interpretations.

[0048] 1) Client: Also known as the user end, it refers to the program that provides local services to users corresponding to the server. Except for some applications that can only run locally, it is generally installed on an ordinary client and needs to cooperate with the server to run. That is, there must be corresponding servers and service programs in the network to provide corresponding services. In this way, a specific communication connection needs to be established between the client and the server to ensure the normal operation of the application, such as the autonomous driving client (such as the map navigation client).

[0049] 2) Scanning machine, also known as POS (Point Of Sales) machine, is installed in the special merchant ， A dedicated bank electronic payment device that provides authorization, consumption, settlement and other services for code holders or card holders.

[0050] 3) N-gram model, a statistical language model, is used to predict the nth item based on the first (n-1) items. Here, item can be a phoneme, character, word, etc.

[0051] See also Figure 1 , Figure 1 It is a schematic diagram of the architecture of the payment processing system 100 for transactions provided in an embodiment of the present application, wherein a payment processing client 401 for transactions is provided on a terminal (terminal 400-1 is shown as an example), and a display interface (image interface 401-1 is shown as an example) shows that terminal 400-1 is connected to server 200 and terminal 400-2 of a second object via network 300, wherein network 300 may be a wide area network or a local area network, or a combination of the two, and data transmission is achieved using wireless or wired links.

[0052] The terminal 400-1 is used to receive a payment instruction of the first object for a target transaction, and based on the payment instruction of the first object for the target transaction, send a request for obtaining the binding relationship of the first object to the server 200;

[0053] The server 200 is used to receive a request for obtaining a binding relationship of a first object, and send the binding relationship of the first object to the terminal 400-1 based on the request;

[0054] Terminal 400-1 is also used to, in response to a payment instruction of the first object for a target transaction, obtain the biometric feature of the first object, and based on the biometric feature, obtain the second object that has a binding relationship with the first object; send a video call request to terminal 400-2 of the second object, and when the second object triggers a confirmation operation for the video call request, establish a video call connection with terminal 400-2 of the second object; in the process of conducting a video call based on the video call connection, obtain call data of the second object; when it is determined that the call data includes transaction confirmation information of the second object for the target transaction, obtain the payment voucher of the second object; and pay for the target transaction based on the payment voucher of the second object.

[0055] In some embodiments, the server 200 may be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content distribution networks (CDN, Content Deliver Network), and big data and artificial intelligence platforms. Terminals 400-1 and 400-2 may be smart phones, tablet computers, laptops, desktop computers, set-top boxes, intelligent voice interaction devices, smart home appliances, virtual reality devices, vehicle-mounted terminals, aircraft, portable music players, personal digital assistants, dedicated messaging devices, portable gaming devices, smart speakers, and smart watches, but are not limited thereto. The terminal and the server may be directly or indirectly connected via wired or wireless communication, which is not limited in the embodiments of the present application.

[0056] Next, an electronic device that implements the payment processing method for a transaction provided in an embodiment of the present application is described. Figure 2 , Figure 2 is a schematic diagram of the structure of an electronic device provided in an embodiment of the present application. The electronic device may be a server or a terminal. Figure 1 Take the terminal 400-1 shown in FIG. 1 as an example, Figure 2 The electronic device shown includes: at least one processor 410, a memory 450, at least one network interface 420 and a user interface 430. The various components in the terminal 400 are coupled together via a bus system 440. It is understood that the bus system 440 is used to achieve connection and communication between these components. In addition to the data bus, the bus system 440 also includes a power bus, a control bus and a status signal bus. However, for the sake of clarity, the bus system 440 is not shown in FIG. Figure 3 Various buses are labeled as bus system 440 .

[0057] Processor 410 can be an integrated circuit chip with signal processing capabilities, such as a general-purpose processor, a digital signal processor (DSP), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc., where the general-purpose processor can be a microprocessor or any conventional processor, etc.

[0058] The user interface 430 includes one or more output devices 431 that enable display of media content, including one or more speakers and / or one or more visual display screens. The user interface 430 also includes one or more input devices 432, including user interface components that facilitate user input, such as a keyboard, mouse, microphone, touch screen display, camera, other input buttons and controls.

[0059] The memory 450 may be removable, non-removable, or a combination thereof. Exemplary hardware devices include solid-state memory, hard disk drives, optical disk drives, etc. The memory 450 may optionally include one or more storage devices that are physically remote from the processor 410.

[0060] The memory 450 includes a volatile memory or a non-volatile memory, and may also include both volatile and non-volatile memories. The non-volatile memory may be a read-only memory (ROM), and the volatile memory may be a random access memory (RAM). The memory 450 described in the embodiments of the present application is intended to include any suitable type of memory.

[0061] In some embodiments, memory 450 can store data to support various operations, examples of which include programs, modules, and data structures, or a subset or superset thereof, as exemplarily described below.

[0062] Operating system 451, including system programs for processing various basic system services and performing hardware-related tasks, such as a framework layer, a core library layer, a driver layer, etc., for implementing various basic services and processing hardware-based tasks;

[0063] A network communication module 452, used to reach other electronic devices via one or more (wired or wireless) network interfaces 420, exemplary network interfaces 420 include: Bluetooth, Wireless Compatibility Certification (WiFi), and Universal Serial Bus (USB), etc.;

[0064] a presentation module 453 for enabling display of information via one or more output devices 431 (e.g., display screen, speaker, etc.) associated with the user interface 430 (e.g., a user interface for operating peripherals and displaying content and information);

[0065] The input processing module 454 is used to detect one or more user inputs or interactions from one of the one or more input devices 432 and translate the detected inputs or interactions.

[0066] In some embodiments, the device provided in the embodiments of the present application can be implemented in software. Figure 2 The payment processing device 455 of the transaction stored in the memory 450 is shown, which can be software in the form of a program and a plug-in, etc., including the following software modules: a first acquisition module 4551, a creation module 4552, a second acquisition module 4553, a third acquisition module 4554 and a payment module 4555. These modules are logical, so they can be arbitrarily combined or further split according to the functions implemented. The functions of each module will be explained below.

[0067] In other embodiments, the device provided in the embodiments of the present application can be implemented in hardware. As an example, the payment processing device for transactions provided in the embodiments of the present application can be a processor in the form of a hardware decoding processor, which is programmed to execute the payment processing method for transactions provided in the embodiments of the present application. For example, the processor in the form of a hardware decoding processor can adopt one or more application-specific integrated circuits (ASICs), DSPs, programmable logic devices (PLDs), complex programmable logic devices (CPLDs), field programmable gate arrays (FPGAs), or other electronic components.

[0068] In some embodiments, the terminal or server can implement the payment processing method of the transaction provided in the embodiment of the present application by running a computer program. For example, the computer program can be a native program or software module in the operating system; it can be a native application (APP, Application), that is, a program that needs to be installed in the operating system to run, such as an instant messaging APP, a web browser APP; it can also be a small program, that is, a program that can be run only by downloading it to a browser environment; it can also be a small program that can be embedded in any APP. In short, the above-mentioned computer program can be an application, module or plug-in in any form.

[0069] Based on the above description of the payment processing system and electronic device for transactions provided by the embodiments of the present application, the following describes the payment processing method for transactions provided by the embodiments of the present application. In actual implementation, the payment processing method for transactions provided by the embodiments of the present application can be implemented by a terminal or a server alone, or by a terminal and a server in collaboration, so that Figure 1 The terminal 400-1 in FIG. 10 independently executes the payment processing method for a transaction provided by an embodiment of the present invention as an example. Figure 3 , Figure 3 This is a flow chart of the payment processing method for a transaction provided in an embodiment of the present application, which will be combined with Figure 3 The steps shown are explained.

[0070] Step 101: In response to a payment instruction of a first object for a target transaction, a terminal obtains a biometric feature of the first object, and based on the biometric feature, obtains a second object that has a binding relationship with the first object.

[0071] In actual implementation, the terminal is provided with a payment client that supports transactions, such as a payment client; the first object may be an object that needs to be supervised, such as a minor or an elderly person, and the target transaction is a specific transaction that requires payment, such as purchasing goods. When the first object uses its own biometric features to perform a payment operation for the target transaction, a payment instruction for the target transaction is triggered, so that the terminal responds to the payment instruction of the first object for the target transaction and obtains the biometric features of the first object.

[0072] It should be noted that the payment operation here can be fingerprint swiping, palm swiping, voice verification, facial recognition, etc. Based on this, the biometric features here can be facial features extracted from the facial image of the first object that triggers the payment instruction by calling the camera, or fingerprint features extracted from fingerprint data collected from the first object that triggers the payment instruction by sound waves or optical means, or voice print features extracted from voice print data collected from the first object that triggers the payment instruction by calling a recording device (such as a microphone), etc.

[0073] For example, taking the case where the first object triggering the payment instruction is student A, when student A purchases goods, multiple biometric payment methods (such as face payment, fingerprint payment, voiceprint payment, etc.) can be displayed in the human-computer interaction interface of the terminal for student A to choose. For example, when student A's selection operation for the face payment method is received, the area where the camera is called to collect the student A's facial image in real time can be displayed in the human-computer interaction interface, where the facial image real-time collection area can be an area of ​​any shape, such as an elliptical area, a circular area, or a square area, etc.

[0074] For example, when a click operation of student A on the face-scanning payment button displayed in the human-computer interaction interface is received, the page jumps to the facial image acquisition page, and an elliptical area for calling the camera to collect the facial image of student A in real time is displayed in the middle of the facial image acquisition page. For example, the real-time facial image of student A obtained by calling the camera of the terminal device will be displayed in the elliptical area. In addition, prompt information can also be displayed in the facial image acquisition page to prompt student A to adjust himself so that the real-time facial image of student A is within the elliptical facial image acquisition area. When the real-time facial image of student A is within the elliptical facial image acquisition area, the camera is called to collect the real-time facial image of student A within the elliptical area, and the facial features (i.e., biometric features) of student A are extracted from the collected facial image, thereby obtaining the facial features of student A.

[0075] In other embodiments, after calling the corresponding biometric collection function to collect in real time the biometric data of the first object that triggers the payment instruction, the collected biometric data can also be subjected to liveness detection processing and quality inspection processing; and only when the liveness detection processing and the quality inspection processing of the biometric data pass, the corresponding biometric features are extracted from the biometric data collected in real time.

[0076] For example, taking facial features as biometric features, after the camera is called to collect the facial data of the first object that triggers the payment instruction, the facial data is processed for liveness detection and facial image quality detection, so as to determine whether the detected facial data is derived from real liveness data, so as to avoid presenting photos and masks in front of the camera of the terminal device, thereby deceiving the server and illegally obtaining identity information.

[0077] It should be noted that the terminal here can be the terminal of the first object, or it can be the terminal of the merchant when the first object purchases the goods, such as a payment device, etc., and this embodiment of the application does not limit this.

[0078] For example, when the terminal is the terminal of the first object, the terminal may be the mobile communication device of the first object, and the corresponding client is the client for payment in the mobile communication device of the first terminal; or, when the terminal is the terminal of the merchant when the first object purchases goods, see Figure 4 , Figure 4 is a schematic diagram of a merchant's terminal when the first object purchases a commodity provided in an embodiment of the present application, based on Figure 4 , 401 indicates a palm scanning terminal. When purchasing goods, the first subject places the palm on the terminal so that the terminal obtains the first subject's biometric feature, namely the palm print.

[0079] In actual implementation, after obtaining the biometrics of the first object, based on the biometrics, obtain the second object that has a binding relationship with the first object, see Figure 5 , Figure 5 is a flowchart of a process of acquiring a second object having a binding relationship with a first object based on biometrics provided in an embodiment of the present application, based on Figure 5 Based on the biometric feature, the process of acquiring the second object that has a binding relationship with the first object can be achieved through the following steps.

[0080] Step 1011: Identify the first object based on the biological characteristics of the first object to obtain the identity of the first object.

[0081] In actual implementation, the process of identifying the first object based on the biometric features of the first object and obtaining the identity of the first object may be as follows: obtaining at least one object biometric feature, where different object biometric features correspond to different object identities; performing similarity matching between the biometric features of the first object and at least one object biometric feature to obtain a matching result; selecting the matching result with the largest similarity value from at least one matching result as the target matching result; determining the target object biometric feature corresponding to the target matching result, and using the object identity corresponding to the target object biometric feature as the identity of the first object.

[0082] It should be noted that the object biometrics here are the biometrics corresponding to different objects, which can be obtained from a biometric database; and the object identity, that is, the identity of the object, is used to indicate the uniqueness of the corresponding object, which can be the real identity of the corresponding object or the account of the corresponding object, etc.

[0083] Step 1012: Based on the identity of the first object, query the second object that has a binding relationship with the first object.

[0084] In actual implementation, after determining the identity of the first object, the binding relationship corresponding to the first object is obtained, so as to query the second object having a binding relationship with the first object based on the identity of the first object and the binding relationship corresponding to an object.

[0085] It should be noted that the binding relationship here is pre-set. Specifically, before obtaining the second object in a binding relationship with the first object based on biometrics, it is also possible to, when a relationship binding operation of the first object for the second object is received, send a relationship binding request to the terminal of the second object; when the second object triggers a confirmation operation for the relationship binding request, obtain binding information, the binding information including at least one of the identity of the first object, the identity of the second object, and the binding validity period; in response to the first object's confirmation operation on the binding information, establish a binding relationship between the first object and the second object based on the identity of the first object and the identity of the second object.

[0086] It should be noted that the relationship binding operation of the first object with respect to the second object can be a selection operation on the second object during the relationship binding process, or a forwarding operation of forwarding the related content of the relationship binding to the second object. For example, in response to a trigger operation on a control for displaying a relationship binding page, the relationship binding page is displayed; in response to a forwarding operation on the relationship binding page, the relationship binding page is forwarded to the second object, that is, a relationship binding request is sent to the terminal of the second object.

[0087] In actual implementation, after receiving the relationship binding request, the terminal of the second object displays confirmation information for determining whether to bind with the first object, so that when receiving the confirmation operation triggered by the second object for the relationship binding request, that is, when the second object determines to bind with the second object based on the relationship binding request, it generates binding information and sends the binding information to the terminal of the first object or the terminal of the merchant when the first object purchases the product, so that the terminal obtains the binding information. Here, the binding information is generated by the terminal of the second object when the second object triggers the confirmation operation for the relationship binding request, so obtaining the binding information is to obtain the binding information sent by the terminal of the second object.

[0088] It should be noted that since the identities of the first object and the second object are included, the binding information generated by the terminal based on the second object is only for the first object and the second object, that is, it only binds the first object and the second object, and is invalid for other objects, that is, when other objects obtain the binding information, they cannot be bound.

[0089] It should be noted that the binding validity period here is used to indicate that the first object and the second object will have a binding relationship only within the validity period, and after the validity period expires, the binding relationship between the first object and the second object will also be invalid. The validity period here can be set by the second object before triggering the confirmation operation for the relationship binding request, or it can be a fixed period that cannot be set, such as half a year, etc., and this embodiment of the application does not limit this.

[0090] In actual implementation, after the binding information is obtained, the binding information is displayed to the first object so that the first object determines whether to bind with the second object based on the binding information. When the first object performs a determination operation on the binding information, that is, when the first object determines to bind with the second object based on the binding information, in response to the first object's determination operation on the binding information, a binding relationship between the first object and the second object is established based on the identity of the first object and the identity of the second object.

[0091] It should be noted that the obtained binding information can be carried on the binding confirmation information. Specifically, when the second object triggers a confirmation operation for the relationship binding request, the binding confirmation information carrying the binding information is obtained; the binding confirmation information carrying the binding information is displayed; and in response to the first object's confirmation operation on the binding confirmation information carrying the binding information, a binding relationship between the first object and the second object is established based on the identity of the first object and the identity of the second object.

[0092] It should be noted that when the first object does not have an object with which it has a binding relationship, namely the second object, after obtaining the biometric features of the first object, when the query for the object with which it has a binding relationship with the first object based on the biometric features fails, that is, when the object with which it has a binding relationship with the first object cannot be obtained, a prompt message is output, and the prompt message is used to prompt the first object that the object with which it has a binding relationship with the first object cannot be obtained.

[0093] Step 102: Send a video call request to a terminal of the second object, and when the second object triggers a confirmation operation for the video call request, establish a video call connection with the terminal of the second object.

[0094] In actual implementation, as described above, the terminal here can be the terminal of the first object, or the terminal of the merchant when the first object purchases the product. Based on this, a video call request is sent to the terminal of the second object, and when the second object triggers a confirmation operation for the video call request, a video call connection can be established between the terminal of the first object and the terminal of the second object, or a video call connection can be established between the terminal of the merchant when the first object purchases the product and the terminal of the second object.

[0095] In actual implementation, there is a video acquisition device in the terminal of the first object or the terminal of the merchant when the first object purchases the goods, including an image acquisition device and an audio acquisition device. Therefore, after establishing a video call connection with the terminal of the second object, the video acquisition device is called, and the real-time video data of the first object is collected through the video acquisition device; the real-time video data is transmitted to the terminal of the second object, so that the second object can make a video call with the first object based on the real-time video data.

[0096] It should be noted that, during the process of the second object making a video call with the first object based on real-time video data, when the terminal of the first object or the terminal of the merchant when the first object purchases goods includes an image display device, the terminal of the second object can collect the real-time video data of the second object, that is, real-time image data and real-time audio data, and transmit the real-time video data to the corresponding terminal, so that the first object and the second object or the first object and the merchant and the second object can make a video call;

[0097] When the terminal of the first object or the terminal of the merchant when the first object purchases goods does not include an image display device but only includes a voice playback device, the terminal of the second object can collect real-time audio data of the second object and send the real-time audio data to the corresponding terminal, so that the first object and the second object or the first object and the merchant and the second object can have an audio call;

[0098] When the first object's terminal or the merchant's terminal when the first object purchases goods does not include a voice playback device but only includes an image display device, the second object's terminal can collect real-time image data of the second object and transmit the real-time image data to the corresponding terminal, so that the first object and the second object or the first object and the merchant and the second object can have a silent video call;

[0099] When the terminal of the first object or the merchant's terminal when the first object purchases goods does not include an image display device and a voice playback device, the terminal of the second object is only used to display the collected real-time video data of the first object, and the real-time video data of the second object cannot be displayed to the first object. At this time, only the second object can perceive the first object, and the first object cannot perceive the second object.

[0100] In some embodiments, when the terminal of the second object receives a video call request, the terminal displays a confirmation control for determining whether to make a video call, thereby determining the triggering operation of the second object on the confirmation control as a confirmation operation of the second object on the video call request; specifically, the terminal of the second object responds to the triggering operation of the second object on the confirmation control, and sends the second object's confirmation information on the video call request to the terminal of the first object or the terminal of the merchant when the first object purchases the product, so that when it is determined that the second object triggers the confirmation operation on the video call request based on the confirmation information of the second object on the video call request, a video call connection is established between the terminal of the second object.

[0101] In some embodiments, when the terminal of the second object receives the video call request, the second object may also reject the video call request. Here, when the second object rejects the video call request, the payment voucher of the second object may be automatically sent to the terminal of the first object or the terminal of the merchant when the first object purchases the goods, so that the terminal pays for the target transaction based on the payment voucher of the second object; or, when the second object rejects the video call request, a prompt message indicating payment failure may be sent to the terminal of the first object or the terminal of the merchant when the first object purchases the goods, so that the first object fails the target transaction. This may be preset by the second object, and the embodiments of the present application do not limit this.

[0102] Step 103: Acquire call data of the second object during the video call based on the video call connection.

[0103] In actual implementation, during a video call based on a video call connection, the process of obtaining the call data of the second object may be: analyzing the call data of the second object to obtain a data type of the call data; detecting the call data of the second object in a manner corresponding to the data type to obtain a detection result; wherein the detection result is used to indicate whether the call data includes transaction confirmation information.

[0104] It should be noted that the method of detecting the call data of the second object is different based on the data type of the different call data. Next, taking two of the types as examples, the process of detecting the call data of the second object in a manner corresponding to the data type and obtaining the detection results is explained.

[0105] In some embodiments, the data type of the call data indicates that the call data is voice data, and the call data of the second object is detected in a manner corresponding to the data type. The process of obtaining the detection result may be: dividing the voice data to obtain at least one voice segment; obtaining at least one pre-set standard voice segment, and for each voice segment, comparing the voice segment with at least one standard voice segment to obtain a comparison result; and determining the detection result based on at least one comparison result.

[0106] It should be noted that the standard voice segments are pre-set, such as the corresponding voices of "OK", "No problem", "OK", etc., for example, set by the second object in the process of establishing the binding relationship between the first object and the second object; and the process of determining the detection result based on at least one comparison result may be that when at least one comparison result represents that there is a standard voice segment in at least one standard voice segment, which is consistent with the voice segment, a detection result indicating that the call data includes transaction confirmation information is obtained; when at least one comparison result represents that each standard voice segment is inconsistent with the voice segment, a detection result indicating that the call data does not include transaction confirmation information is obtained.

[0107] In actual implementation, the process of comparing a speech segment with at least one standard speech segment respectively can be to compare the text content corresponding to the speech segment with the text content corresponding to at least one standard speech segment to obtain a comparison result. The text content corresponding to the standard speech segment is determined when setting the standard speech segment. The process of determining the text content corresponding to the speech segment is to convert the speech segment into text to obtain the text content corresponding to the speech segment. Specifically, after dividing the speech data to obtain at least one speech segment, an acoustic model such as a hidden Markov model, a deep neural network, and a convolutional neural network is used to encode each speech segment to obtain a corresponding acoustic feature vector; then, a language model such as an n-gram language model, a recurrent neural network, and a long short-term memory network is used to decode the acoustic feature vector, that is, based on the acoustic feature vector, the text content corresponding to each speech segment is predicted, thereby obtaining the text content corresponding to each speech segment.

[0108] It should be noted that since voice signals are often affected by environmental noise, after obtaining the call data of the second object, the call data can also be de-noised. Specifically, the call data can be de-noised using methods such as spectral subtraction based on the frequency domain, waveform repair methods based on the time domain, and noise removal methods based on deep learning to obtain target call data, thereby determining whether the target call data includes the transaction confirmation information of the second object for the target transaction. In this way, by reducing the noise in the call data, the accuracy of the comparison based on the voice segment is improved.

[0109] It should be noted that after obtaining the text content corresponding to each voice segment, the text content corresponding to each voice segment can also be corrected, that is, using the n-gram language model, maximum entropy model and conditional random field, etc., to remove repeated words in the text content, correct wrong words, etc. In this way, the accuracy of identifying the text content corresponding to each voice segment is improved.

[0110] In other embodiments, the data type of the call data indicates that the call data is image data, the image data includes at least one frame of image, and the call data of the second object is detected in a manner corresponding to the data type to obtain the detection result. The process may be to respectively identify the posture of the second object in each image to obtain the posture of the second object in each image; determine the posture recognition result of the second object in combination with the posture of the second object in each image, and the posture recognition result is used to indicate whether the second object has performed the target operation; and determine the detection result based on the posture recognition result of the second object.

[0111] It should be noted that the posture of the second object here indicates the appearance of the second object in the image, that is, the behavior of the second object; and the target operation refers to a nod operation, a gesture operation indicating agreement, and a lip shape operation indicating agreement, etc.

[0112] In actual implementation, for the process of determining the posture recognition result of the second object in combination with the posture of the second object in each image, the operation performed by the second object, that is, the posture recognition result of the second object, is analyzed in combination with the posture of the second object in each image; thus, the process of determining the detection result based on the posture recognition result of the second object may be, when the posture recognition result indicates that the second object has performed the target operation, a detection result indicating that the call data includes transaction confirmation information is obtained, and when the posture recognition result indicates that the second object has not performed the target operation, a detection result indicating that the call data does not include transaction confirmation information is obtained.

[0113] In actual implementation, for the process of obtaining the call data of the second object, during the process of conducting a video call based on the video call connection, the terminal of the second object collects the call data of the second object, and periodically sends the collected call data of the second object to the terminal of the first object or the terminal of the merchant when the first object purchases the product every 5 seconds, so that the terminal obtains the call data of the second object.

[0114] Step 104: when it is determined that the call data includes transaction confirmation information of the second party for the target transaction, the payment credential of the second party is obtained.

[0115] In actual implementation, when it is determined that the call data includes the transaction confirmation information of the second object for the target transaction, the payment credential of the second object can be a payment code, etc., and the payment credential can be generated by the terminal itself or received from the terminal of the second object.

[0116] In some embodiments, when the payment credential is generated by the terminal itself, when it is determined that the call data includes transaction confirmation information of the second object for the target transaction, the payment password, payment account and current timestamp of the second object are obtained; based on the payment password, payment account and current timestamp, a dynamic payment code valid within a preset time period is generated; and the dynamic payment code is used as the payment credential of the second object.

[0117] It should be noted that the payment password here can be carried in the transaction confirmation information. For example, when the second object triggers the transaction confirmation information for the target transaction, an input interface for inputting the payment password of the second object can be displayed on the terminal of the second object, so that after the second object inputs the payment password based on the input interface, the payment password and the payment account of the second object corresponding to the payment password are obtained. Alternatively, the payment password here can be pre-set by the second object when the first object is bound to the second object, so that when it is determined that the call data includes the transaction confirmation information of the second object for the target transaction, the payment password and the payment account of the second object corresponding to the payment password are directly obtained.

[0118] It should be noted that the preset time period can also be pre-set, such as 1 minute, 2 minutes, etc., so that a dynamic payment code valid within the preset time period is generated based on the current timestamp. Here, when the preset time period is exceeded, the dynamic payment code is invalid.

[0119] In other embodiments, when received from the terminal of the second object, when it is determined that the call data includes transaction confirmation information of the second object for the target transaction, a payment credential acquisition request is sent to the terminal of the second object, so that the terminal of the second object determines the payment credential of the second object based on the payment credential acquisition request; and the payment credential of the second object returned by the terminal of the second object is received.

[0120] It should be noted that the process of the terminal of the second object determining the payment credential of the second object based on the payment credential acquisition request can, as described above, also be based on the payment password, payment account and current timestamp of the second object, to generate a dynamic payment code that is valid within a preset time period, thereby using the dynamic payment code as the payment credential of the second object; or, the terminal of the second object pre-stores the payment credential of the second object, so that the terminal of the second object obtains the payment credential of the second object based on the payment credential acquisition request.

[0121] Step 105 , paying for the target transaction based on the payment credential of the second object.

[0122] In some embodiments, the payment credential may be a payment code of the second object; thus, the process of paying for the target transaction based on the payment credential of the second object may be to verify the validity of the payment code and obtain a verification result; when the verification result indicates that the payment code has passed the verification, a payment order corresponding to the target transaction is generated, and a deduction request carrying the payment order is sent to the target payment platform corresponding to the payment code, so that the target payment platform deducts the amount of the corresponding payment order from the account of the second object; the deduction result returned by the target payment platform is received, and the deduction result is determined as the payment result of the target transaction.

[0123] It should be noted that since the payment code has an expiration date, the validity of the payment code is verified, that is, whether the payment code is within the validity period. When the verification result indicates that the payment code is within the validity period, it is determined that the payment code has passed the verification; when the verification result indicates that the payment code is not within the validity period, it is determined that the payment code has failed the verification.

[0124] In actual implementation, when the verification result indicates that the payment code has passed the verification, a payment order corresponding to the target transaction is generated, and a deduction request carrying the payment order is sent to the target payment platform corresponding to the payment code. When the verification result indicates that the payment code has not passed the verification, a prompt message is output to indicate that the payment code is invalid.

[0125] It should be noted that the payment order is used to indicate the amount to be deducted when the target transaction is completed. At the same time, different payment codes correspond to different payment platforms, so a deduction request carrying the payment order is sent to the target payment platform corresponding to the payment code, so that the target payment platform deducts the amount corresponding to the payment order from the account of the second object. When the account balance of the second object's account is not less than the amount corresponding to the payment order, the target payment platform receives a deduction result indicating a successful deduction, that is, a payment result indicating a successful payment; when the account balance of the second object's account is less than the amount corresponding to the payment order, the target payment platform receives a deduction result indicating a failed deduction, that is, a payment result indicating a failed payment.

[0126] It should be noted that the terminal can directly pay for the target transaction based on the payment certificate of the second object, or it can send the payment certificate of the second object to the payment device of the merchant when the first object purchases the goods, such as a barcode scanner, so that the payment device can pay for the target transaction based on the payment certificate of the second object.

[0127] In some embodiments, after the target transaction is paid based on the payment credentials of the second object, when the target transaction is paid successfully based on the payment credentials of the second object, a payment prompt message including the transaction information of the target transaction is sent to the terminal of the second object; wherein the payment prompt message is used to prompt that the target transaction payment is successful, and the transaction information includes at least one of the following: time, amount, location, and transaction item of the target transaction.

[0128] It should be noted that the payment reminder information here can be in the form of text messages, emails, or telephone calls, and the embodiments of the present application do not limit this. In this way, when the target transaction is successfully paid based on the payment voucher of the second object, a payment reminder information including the transaction information of the target transaction is sent to the terminal of the second object, prompting the second object that the target transaction payment is successful, as well as the time, amount, location, and transaction items of the target transaction, thereby improving the security of the transaction.

[0129] Next, the payment processing method for the transaction provided in the embodiment of the present application is further introduced. Figure 6 , Figure 6 is a flow chart of a payment processing method for a transaction provided in an embodiment of the present application, based on Figure 6 The payment processing method for a transaction provided in an embodiment of the present application is collaboratively implemented by a first terminal of a first object, a second terminal of a second object, a third terminal of a merchant when the first object purchases goods, and a server.

[0130] Step 201: In response to a relationship binding operation of a first object with respect to a second object, a first terminal sends a relationship binding request to a second terminal of a second object.

[0131] Step 202: The second terminal sends a request for obtaining binding information to the server in response to a confirmation operation of the second object on the relationship binding request.

[0132] Step 203: The server generates binding information in response to the received acquisition request, and sends the binding information to the second terminal.

[0133] Step 204: The second terminal receives the binding information and generates binding confirmation information carrying the binding information based on the binding information.

[0134] It should be noted that the binding determination information here is used to determine whether to bind with the second object.

[0135] Step 205: The second terminal sends binding confirmation information carrying binding information to the first terminal.

[0136] Step 206: The first terminal sends a binding instruction for the first object and the second object to the server in response to the first object's determination operation on the binding determination information carrying the binding information.

[0137] Step 207: The server establishes a binding relationship between the first object and the second object in response to the binding instruction for the first object and the second object.

[0138] Step 208: When the first object performs a payment operation based on the third terminal, in response to the payment instruction of the first object for the target transaction, the biometric feature of the first object is obtained and the biometric feature of the first object is sent to the server.

[0139] It should be noted that the third terminal here can be a biometric feature collection device set up on the merchant side, such as a fingerprint collection device or a palm print collection device.

[0140] Step 209: The server obtains a second object that is bound to the first object based on the biometric feature, and sends the second object to the third terminal.

[0141] Step 210: The third terminal receives a second object that is bound to the first object, and sends a video call request to a second terminal of the second object.

[0142] Step 211: The second terminal receives the video call request, and when the second object triggers a confirmation operation for the video call request, sends a video call instruction for the first object and the second object to the server.

[0143] Step 212: The server establishes a video call connection between the first object and the second object in response to the video call instruction for the first object and the second object.

[0144] Step 213: During the video call based on the video call connection, the second terminal obtains the call data of the second object and sends the call data to the server.

[0145] Step 214: The server receives the call data, and when it is determined that the call data includes the transaction confirmation information of the second party for the target transaction, obtains the payment credential of the second party.

[0146] Step 215: Send the payment credential of the second object to the third terminal.

[0147] Step 216: The third terminal receives the payment credential of the second object, and pays for the target transaction based on the payment credential of the second object.

[0148] By applying the above-mentioned embodiment of the present application, in response to the payment instruction of the first object for the target transaction, based on the biometrics of the first object, the second object having a binding relationship with the first object is obtained, and then by establishing a video call connection between the terminal of the second object, in the process of conducting a video call based on the video call connection, the call data of the second object is obtained, and when it is determined that the call data includes the transaction confirmation information of the second object for the target transaction, the target transaction is paid based on the payment voucher of the second object. In this way, during the payment process of the first object, a video call connection is established between the terminal of the second object, and the transaction confirmation information of the second object for the target transaction is obtained during the video call. Compared with the scheme of confirming after the transaction payment in the related art, by determining in real time whether the second object agrees with the first object to pay for the target transaction, the security of the payment processing of the transaction is improved.

[0149] The following is an explanation of an exemplary application of the embodiments of the present application in a practical application scenario.

[0150] Since children or the elderly have their own payment accounts, it is difficult for guardians to supervise offline payments. Even through direct deductions or limits, frequency limits and other strategies, follow-up processing can only be carried out after payment, resulting in low security when processing payments for transactions.

[0151] Based on this, an embodiment of the present application provides a payment code granting scheme based on video calls, by binding the guardian's account (identity) with the account (identity) of the ward, i.e., the child or the elderly, and the elderly or child's account does not need to be bound to a bank card, etc., so that when the child or the elderly pays offline by swiping their palms, the terminal video interface will be called to establish a video call between the guardian and the ward. After the guardian makes a relevant voice response during the video call, the guardian's payment code will be sent to the device end synchronously in combination with the agreed instruction intention, and the device end will then send the payment code to the merchant's code swiping end for payment.

[0152] In this way, for scenarios with children or the elderly, there is no need to bind the relevant debit relationship with the main account. After the child or the elderly pays offline by swiping their palms, a video call will be made with the friend account bound to the mobile phone. After the call is connected, the payment code information of the friend account is generated according to the voice command to make the payment, and the payment confirmation can be realized during the video call at the same time. While ensuring convenience, the security of payment in scenarios with the elderly or children is further improved.

[0153] Next, the technical solution of this application is explained.

[0154] In actual implementation, the technical solution of the present application consists of two processes, the first process is a binding process, and the second process is a payment process. Next, these two processes are explained respectively.

[0155] See also Figure 7 , Figure 7 This is a flowchart of the binding process provided by the embodiment of the present application, wherein user A (the first object) is a child or elderly user, and user A's mobile phone does not need to enable payment-related functions. User B (the second object) is a guardian, and user B's mobile phone has enabled payment-related functions. Figure 7 , the binding process provided by the embodiment of the present application is implemented by steps 701 to 706. Specifically, first, the mobile terminal of user A responds to the forwarding operation (relationship binding operation) of user A on the relationship binding interface, and forwards the interface to the mobile terminal of user B (sending a relationship binding request), which means that user A wants to bind to the account of user B; then, in response to the confirmation operation of user B, it is determined that user B agrees to the binding of user A. At this time, the mobile terminal of user B will request the client backend to generate binding information, which includes the identity of user A, and the time validity period, etc. If the validity period is exceeded, it will fail. At the same time, only user A is allowed to bind, and other user messages will be prompted to be invalid when they are opened. At the same time, user B can also optionally configure relevant voice commands for associating the command control in subsequent video communications, such as "OK" means agreeing to issue the payment code, etc. Then, after user B authorizes the binding, it will push the binding confirmation message used to determine whether to bind to the mobile terminal of user A. When receiving the confirmation operation of user A on the binding confirmation information, the binding relationship between user A and user B is established.

[0156] In actual implementation, once the binding is successful, user A can pay offline by swiping his palm, see Figure 8 , Figure 8 is a flow chart of the payment process provided by the embodiment of the present application, based on Figure 8, the payment process provided by the embodiment of the present application is implemented by steps 801 to 810. Specifically, when a payment operation of user A is received, the biometric feature of user A, i.e., the palm print, is obtained, and the biometric feature of user A is sent to the client backend; then the client backend identifies the identity of user A based on the biometric feature of user A, and based on the identity of user A, obtains user B who has a binding relationship with user A, and sends user B who has a binding relationship with user A to the palm-swiping device; then, the palm-swiping device sends a video call request to user B, and when user B triggers a confirmation operation for the video call request, sends a video call instruction for user A and user B to the client backend; then, the client backend responds to the video call instruction for user A and user B and establishes a video call connection between user A and user B; then, in the process of conducting a video call based on the video call connection, the voice content of user B is identified, and when user B issues an instruction to agree to pay, the payment code information of user B is returned to the palm-swiping device end; finally, after receiving the payment code, the palm-swiping device end sends the code to the merchant's code-swiping end, thereby completing the payment.

[0157] It should be noted that when the payment is completed, payment-related messages will also be pushed to the mobile phones of user A and user B so that user A and user B know the payment-related information.

[0158] In actual implementation, see Fig. 9 , Fig. 9 This is a technical architecture diagram of a payment code granting solution based on video calls provided in an embodiment of the present application. Fig. 9 The technical solution of this application adopts a distributed architecture to split a large-scale system into multiple small subsystems. Each subsystem runs independently and can be expanded horizontally to improve the reliability and scalability of the system. At the same time, an automatic elastic scaling mechanism can be adopted to adjust resource allocation in real time according to the system load, automatically expand or shrink capacity, and ensure that the system can meet user needs during peak periods and save resources during off-peak periods.

[0159] In actual implementation, the technical solution of this application supports real-time audio and video transmission, with the characteristics of low latency, high definition and stability, as well as a self-developed bit rate adaptive algorithm, which adjusts the bit rate of audio and video in real time according to network conditions and device performance to ensure the smoothness and stability of audio and video. Intelligent quality detection technology analyzes and processes audio and video data to detect video quality in real time and improve the user experience. At the same time, end-to-end encryption technology is used to protect user privacy and data security and prevent data leakage and attacks.

[0160] Continue to see Fig. 9The palm-swiping client is a client set on the palm-swiping device. The client collects the user's current palm streaming media data by calling the 3D camera. After obtaining the streaming media, the client optimizes the streaming media, preferably by comprehensively evaluating the palm size, angle, image contrast, image brightness and clarity and other coefficient indicators to select the best palm image, and then sends the palm image to the client backend. After receiving the palm data uploaded by the terminal palm-swiping module and extracting features, the backend searches the entire database to identify the user's identity, thereby determining the identity of the guardian bound to the user based on the user's identity.

[0161] It should be noted that the process of identifying the voice content of user B needs to be combined with speech recognition and other related technologies. The technical principle of speech recognition is to convert speech signals into text form. Its core technologies mainly include the following aspects:

[0162] 1) Acoustic model: By dividing the voice signal (call data) into several time segments (voice segments), the sound features of each time segment are converted into corresponding acoustic feature vectors, and then modeled using a probability model to obtain the probability distribution of the voice signal. Commonly used acoustic models include hidden Markov models, deep neural networks, and convolutional neural networks.

[0163] 2.) Language model: The language model is another important part of speech recognition. Its main function is to decode the speech signal using a probability model and convert the probability distribution output by the acoustic model into a corresponding text sequence. The language model can be modeled using statistical linguistics methods, neural network models, etc. Commonly used methods include n-gram, recurrent neural network, and long short-term memory network.

[0164] 3) Noise elimination: Speech signals are often affected by environmental noise, so they need to be denoised. Common methods include spectral subtraction based on frequency domain, waveform repair method based on time domain, and noise elimination method based on deep learning.

[0165] 4) Post-processing of recognition results: After speech recognition, it needs to be post-processed to remove repeated words, correct incorrect words, etc. Commonly used methods include n-gram language model, maximum entropy model and conditional random field.

[0166] In actual implementation, after the text corresponding to the voice is recognized, it will be fuzzy matched with the user's pre-configured voice commands. If a match is found, relevant logic will be executed, such as generating and returning the user's payment code.

[0167] By applying the above-mentioned embodiment of the present application, in response to the payment instruction of the first object for the target transaction, based on the biometrics of the first object, the second object having a binding relationship with the first object is obtained, and then by establishing a video call connection between the terminal of the second object, in the process of conducting a video call based on the video call connection, the call data of the second object is obtained, and when it is determined that the call data includes the transaction confirmation information of the second object for the target transaction, the target transaction is paid based on the payment voucher of the second object. In this way, during the payment process of the first object, a video call connection is established between the terminal of the second object, and the transaction confirmation information of the second object for the target transaction is obtained during the video call. Compared with the scheme of confirming after the transaction payment in the related art, by determining in real time whether the second object agrees with the first object to pay for the target transaction, the security of the payment processing of the transaction is improved.

[0168] The following is a description of an exemplary structure of a payment processing device 455 for a transaction provided by an embodiment of the present application implemented as a software module. In some embodiments, Figure 2 As shown, the software modules stored in the transaction payment processing device 455 of the memory 450 may include:

[0169] A first acquisition module 4551 is used to acquire a biometric feature of a first object in response to a payment instruction of a first object for a target transaction, and acquire a second object having a binding relationship with the first object based on the biometric feature;

[0170] An establishing module 4552 is used to send a video call request to the terminal of the second object, and when the second object triggers a confirmation operation for the video call request, establish a video call connection with the terminal of the second object;

[0171] A second acquisition module 4553 is used to acquire the call data of the second object during the video call based on the video call connection;

[0172] A third acquisition module 4554 is configured to acquire a payment credential of the second object when it is determined that the call data includes transaction confirmation information of the second object for the target transaction;

[0173] The payment module 4555 is used to pay for the target transaction based on the payment credential of the second object.

[0174] In some embodiments, the device also includes a detection module, which is used to analyze the call data of the second object to obtain a data type of the call data; use a method corresponding to the data type to detect the call data of the second object to obtain a detection result; wherein the detection result is used to indicate whether the call data includes the transaction confirmation information.

[0175] In some embodiments, the data type of the call data indicates that the call data is voice data, and the detection module is further used to divide the voice data to obtain at least one voice segment; obtain at least one pre-set standard voice segment, and for each of the voice segments, compare the voice segment with the at least one standard voice segment to obtain a comparison result; and determine the detection result based on at least one of the comparison results.

[0176] In some embodiments, the data type of the call data indicates that the call data is image data, and the image data includes at least one frame of image; the detection module is also used to recognize the posture of the second object in each of the images respectively to obtain the posture of the second object in each of the images; determine the posture recognition result of the second object in combination with the posture of the second object in each of the images, and the posture recognition result is used to indicate whether the second object has performed the target operation; based on the posture recognition result of the second object, determine the detection result.

[0177] In some embodiments, the first acquisition module 4551 is further used to identify the first object based on the biometric features of the first object to obtain the identity of the first object; and based on the identity of the first object, query the second object that has a binding relationship with the first object.

[0178] In some embodiments, the first acquisition module 4551 is also used to acquire at least one object biometric feature, and different object biometric features correspond to different object identities; the biometric feature of the first object is matched with the at least one object biometric feature for similarity to obtain a matching result; from at least one matching result, the matching result with the largest similarity value is selected as the target matching result; the target object biometric feature corresponding to the target matching result is determined, and the object identity corresponding to the target object biometric feature is used as the identity of the first object.

[0179] In some embodiments, the device also includes a binding module, which is used to send a relationship binding request to a terminal of the second object when a relationship binding operation of the first object to the second object is received; when the second object triggers a confirmation operation for the relationship binding request, obtain binding information, the binding information including at least one of the identity of the first object, the identity of the second object, and the binding validity period; in response to the confirmation operation of the first object on the binding information, establish a binding relationship between the first object and the second object based on the identity of the first object and the identity of the second object.

[0180] In some embodiments, the third acquisition module 4554 is also used to obtain the payment password, payment account and current timestamp of the second object when it is determined that the call data includes transaction confirmation information of the second object for the target transaction; based on the payment password, the payment account and the current timestamp, generate a dynamic payment code that is valid within a preset time period; and use the dynamic payment code as the payment credential of the second object.

[0181] In some embodiments, the third acquisition module 4554 is also used to send a payment credential acquisition request to the terminal of the second object when it is determined that the call data includes transaction confirmation information of the second object for the target transaction, so that the terminal of the second object determines the payment credential of the second object based on the payment credential acquisition request; and receive the payment credential of the second object returned by the terminal of the second object.

[0182] In some embodiments, the payment credential is the payment code of the second object; the payment module 4555 is also used to verify the validity of the payment code to obtain a verification result; when the verification result indicates that the payment code has passed the verification, a payment order corresponding to the target transaction is generated, and a deduction request carrying the payment order is sent to the target payment platform corresponding to the payment code, so that the target payment platform deducts the amount corresponding to the payment order from the account of the second object; the deduction result returned by the target payment platform is received, and the deduction result is determined as the payment result of the target transaction.

[0183] In some embodiments, the device also includes a prompt module, which is used to send payment prompt information including transaction information of the target transaction to the terminal of the second object when the target transaction is paid successfully based on the payment certificate of the second object; wherein, the payment prompt information is used to prompt that the payment of the target transaction is successful, and the transaction information includes at least one of the following: time, amount, location, and transaction item of the target transaction.

[0184] The embodiment of the present application provides a computer program product or a computer program, which includes computer instructions stored in a computer-readable storage medium. A processor of an electronic device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the electronic device executes the payment processing method for the transaction described in the embodiment of the present application.

[0185] The present application embodiment provides a computer-readable storage medium storing executable instructions, wherein the executable instructions are stored. When the executable instructions are executed by a processor, the processor will execute the payment processing method for the transaction provided by the present application embodiment, for example, Figure 3 Payment processing method for the transaction shown.

[0186] In some embodiments, the computer-readable storage medium may be a read-only memory (ROM), a random access memory (RAM), an erasable programmable read-only memory (EPROM), an electrically erasable programmable read-only memory (EEPROM), a flash memory, a magnetic surface memory, an optical disk, or a CD-ROM; or it may be various devices including one or any combination of the above memories.

[0187] In some embodiments, executable instructions may be in the form of a program, software, software module, script or code, written in any form of programming language (including compiled or interpreted languages, or declarative or procedural languages), and may be deployed in any form, including as a stand-alone program or as a module, component, subroutine or other unit suitable for use in a computing environment.

[0188] As an example, executable instructions may, but need not, correspond to a file in a file system, may be stored as part of a file that stores other programs or data, such as in one or more scripts in a HyperText Markup Language (HTML) document, in a single file dedicated to the program in question, or in multiple coordinated files (e.g., files storing one or more modules, subroutines, or code portions).

[0189] As an example, the executable instructions may be deployed to be executed on one electronic device, or on multiple electronic devices located at one site, or on multiple electronic devices distributed at multiple sites and interconnected by a communication network.

[0190] In summary, the embodiments of the present application have the following beneficial effects:

[0191] (1) During the payment process of the first party, a video call connection is established between the terminal of the second party, and during the video call, the transaction confirmation information of the second party for the target transaction is obtained. Compared with the solution of confirming the transaction after the payment in the related art, by determining in real time whether the second party agrees with the first party to pay for the target transaction, the security of the payment processing of the transaction is improved.

[0192] (2) For children or the elderly, there is no need to bind the main account to the debit relationship. After the child or the elderly pays offline with their palm, a video call will be made with the friend account bound to the mobile phone. After the call is connected, the payment code information of the friend account will be generated according to the voice command to make the payment, so that the payment can be confirmed during the video call. While ensuring convenience, the security of payment in the elderly or children's scenarios is further improved.

[0193] It should be noted that in the embodiments of the present application, it involves obtaining data related to biometrics. When the embodiments of the present application are applied to specific products or technologies, corresponding permissions or consents need to be obtained, and the collection, use and processing of relevant data need to comply with relevant laws, regulations and standards of relevant countries and regions.

[0194] The above is only an embodiment of the present application and is not intended to limit the protection scope of the present application. Any modifications, equivalent substitutions and improvements made within the spirit and scope of the present application are included in the protection scope of the present application.

Claims

1. A payment processing method for a transaction, characterized in that: The method comprises: In response to a payment instruction of a first object for a target transaction, acquiring a biometric feature of the first object, and acquiring a second object having a binding relationship with the first object based on the biometric feature; Sending a video call request to a terminal of the second object, and when the second object triggers a confirmation operation for the video call request, establishing a video call connection with the terminal of the second object; During the video call based on the video call connection, acquiring call data of the second object; When it is determined that the call data includes the transaction confirmation information of the second object for the target transaction, obtaining the payment credential of the second object; The target transaction is paid based on the payment credentials of the second object.

2. The method according to claim 1, characterized in that The method further comprises: Analyze the call data of the second object to obtain a data type of the call data; Using a method corresponding to the data type, detecting the call data of the second object to obtain a detection result; The detection result is used to indicate whether the call data includes the transaction confirmation information.

3. The method according to claim 2, characterized in that The data type of the call data indicates that the call data is voice data, and the detecting the call data of the second object in a manner corresponding to the data type to obtain a detection result includes: Dividing the voice data to obtain at least one voice segment; Acquire at least one preset standard voice segment, and for each of the voice segments, compare the voice segment with the at least one standard voice segment to obtain a comparison result; Based on at least one of the comparison results, the detection result is determined.

4. The method according to claim 2, characterized in that The data type of the call data indicates that the call data is image data, and the image data includes at least one frame of image; The detecting the call data of the second object in a manner corresponding to the data type to obtain a detection result includes: Recognizing the posture of the second object in each of the images respectively to obtain the posture of the second object in each of the images; Determine a gesture recognition result of the second object in combination with the gesture of the second object in each of the images, wherein the gesture recognition result is used to indicate whether the second object has performed a target operation; The detection result is determined based on the gesture recognition result of the second object.

5. The method according to claim 1, characterized in that The acquiring, based on the biometric feature, a second object having a binding relationship with the first object includes: Based on the biometric feature of the first object, identifying the first object to obtain the identity of the first object; Based on the identity of the first object, query the second object that has a binding relationship with the first object.

6. The method according to claim 5, characterized in that The identifying the first object based on the biometric feature of the first object to obtain the identity of the first object includes: Acquire at least one biometric characteristic of the object, different biometric characteristics of the object correspond to different identities of the object; Performing similarity matching on the biometric feature of the first object and the biometric feature of the at least one object to obtain a matching result; From at least one of the matching results, select a matching result with the largest similarity value as a target matching result; A target object biometric characteristic corresponding to the target matching result is determined, and an object identity corresponding to the target object biometric characteristic is used as the identity of the first object.

7. The method according to claim 1, characterized in that Before acquiring the second object having a binding relationship with the first object based on the biometric feature, the method further includes: When receiving a relationship binding operation from the first object to the second object, sending a relationship binding request to a terminal of the second object; When the second object triggers a confirmation operation for the relationship binding request, obtaining binding information, the binding information including at least one of an identity of the first object, an identity of the second object, and a binding validity period; In response to a determination operation of the first object on the binding information, a binding relationship between the first object and the second object is established based on an identity of the first object and an identity of the second object.

8. The method according to claim 1, characterized in that When it is determined that the call data includes the transaction confirmation information of the second object for the target transaction, obtaining the payment credential of the second object includes: When it is determined that the call data includes the transaction confirmation information of the second object for the target transaction, obtaining the payment password, payment account and current timestamp of the second object; Generate a dynamic payment code valid within a preset time period based on the payment password, the payment account and the current timestamp; The dynamic payment code is used as the payment credential of the second object.

9. The method according to claim 1, characterized in that When it is determined that the call data includes the transaction confirmation information of the second object for the target transaction, obtaining the payment credential of the second object includes: When it is determined that the call data includes the transaction confirmation information of the second object for the target transaction, sending a payment credential acquisition request to the terminal of the second object, so that the terminal of the second object determines the payment credential of the second object based on the payment credential acquisition request; Receive the payment credential of the second object returned by the terminal of the second object.

10. The method according to claim 1, characterized in that The payment voucher is a payment code of the second object; and paying the target transaction based on the payment voucher of the second object includes: Verifying the validity of the payment code to obtain a verification result; When the verification result indicates that the payment code has passed the verification, a payment order corresponding to the target transaction is generated, and Sending a deduction request carrying the payment order to a target payment platform corresponding to the payment code, so that the target payment platform deducts the amount corresponding to the payment order from the account of the second object; Receive the deduction result returned by the target payment platform, and determine the deduction result as the payment result of the target transaction.

11. The method according to claim 1, characterized in that After paying for the target transaction based on the payment credential of the second object, the method further includes: When the target transaction is successfully paid based on the payment voucher of the second object, sending payment prompt information including transaction information of the target transaction to the terminal of the second object; The payment prompt information is used to prompt that the target transaction payment is successful, and the transaction information includes at least one of the following: the time, amount, location, and transaction item of the target transaction.

12. A payment processing device for a transaction, characterized in that: The device comprises: A first acquisition module, configured to acquire a biometric feature of a first object in response to a payment instruction of a first object for a target transaction, and acquire a second object having a binding relationship with the first object based on the biometric feature; an establishing module, configured to send a video call request to a terminal of the second object, and when the second object triggers a confirmation operation for the video call request, establish a video call connection with the terminal of the second object; A second acquisition module, configured to acquire the call data of the second object during the process of conducting a video call based on the video call connection; a third acquisition module, configured to acquire a payment credential of the second object when it is determined that the call data includes transaction confirmation information of the second object for the target transaction; A payment module is used to pay for the target transaction based on the payment credential of the second object.

13. An electronic device, characterized in that: include: A memory for storing executable instructions; A processor, configured to implement the payment processing method for a transaction as described in any one of claims 1 to 11 when executing the executable instructions stored in the memory.

14. A computer-readable storage medium, characterized in that: Executable instructions are stored, which are used to cause a processor to execute and implement the payment processing method for a transaction described in any one of claims 1 to 11.

15. 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 payment processing method for a transaction described in any one of claims 1 to 11 is implemented.

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