Payment method and system based on double face recognition, medium and equipment

Abstract

The invention discloses a payment method and system based on double face recognition, a medium and equipment. The payment method based on double face recognition comprises the following steps: S1, binding a bank card: binding information of a bank card holder and information of a person designated by the bank card holder in a bank payment system; s2, payment verification: when a bank card holder pays, a face recognition pop-up window pops up by a payment device of the holder, video verification is carried out on the holder and a designated person, if verification succeeds, the step S3 is directly executed, and if verification fails, payment is cancelled; and S3, payment success: the holder and the designated person receive payment success information. The method has the advantages that video verification is carried out on a holder and a designated person during payment, and it can be ensured that a benefit common party can know the real-time dynamic state during payment of the bank card.

Description

Technical Field

[0001] The present invention relates to the field of financial payment, and in particular to a payment method, system, medium and device for double face recognition. Background Art

[0002] Existing facial recognition payment is a single-person recognition, and payment can be made by simply identifying the account holder. However, for shared property, since the fund account is controlled by a certain person, there is a possibility that the account holder can privately control the funds, damaging the common interests of the account funds.

[0003] In view of this, it is necessary to provide a payment method, system, medium and device for double face recognition. Summary of the invention

[0004] The present invention provides a double face recognition payment method, system, medium and device, which effectively solves the problem that the expenditure of funds in the existing common property account cannot be monitored by the interested parties.

[0005] The technical solution adopted by the present invention is:

[0006] The payment method of double face recognition includes the following steps:

[0007] S1. Bind bank card: bind the bank card holder's information and the information of the person designated by the bank card holder in the bank payment system;

[0008] S2, payment verification: When the bank card holder makes a payment, a face recognition pop-up window will pop up on the holder's payment device to conduct video verification of the holder and the designated person. If the verification is successful, the process will go directly to S3. If the verification is unsuccessful, the payment will be cancelled.

[0009] S3. Payment successful: The holder and the designated person receive payment success information.

[0010] Furthermore, in step S2, the payment device issues a voice prompt during both the holder's video verification and the designated person's video verification.

[0011] Furthermore, the voice prompt includes the payment amount and the purpose of payment.

[0012] Furthermore, the payment success information includes payment time, payee account, and payment amount.

[0013] Furthermore, the specific method for video verification of the holder and the designated person in step S2 is: the holder and the designated person are verified simultaneously on the same video page.

[0014] Furthermore, the specific method for video verification of the holder and the designated person in step S2 is: sequential verification of the holder and the designated person.

[0015] Furthermore, the video verification operation in step S2 includes nodding, blinking, opening the mouth, and tilting the head.

[0016] Double face recognition payment system, including,

[0017] Verification module, used for video verification of the holder and the designated person;

[0018] Payment module, used to bind bank cards for payment.

[0019] A computer-readable storage medium stores a computer program, which, when executed, implements the steps of the double-face recognition payment method.

[0020] A computer device comprises a processor, a communication interface, a memory and a communication bus, wherein the processor, the communication interface and the memory communicate with each other via the communication bus:

[0021] The memory is used to store computer programs;

[0022] The processor is used to execute the steps of the self-service terminal maintenance and detection method by running the program stored in the memory.

[0023] Beneficial effects of the invention:

[0024] 1. By conducting video verification on the holder and the designated person during payment, it can ensure that the parties with common interests can understand the real-time dynamics when the bank card is spent.

[0025] 2. It can issue voice prompts during video verification to further improve the verified person's understanding of video verification during the video verification process.

[0026] 3. The holder and the designated person can conduct video verification simultaneously, which can improve the efficiency of video verification.

[0027] 4. After the payment is successful, both the holder and the designated person will receive information, allowing the holder and the designated person to further understand the whereabouts of the funds. BRIEF DESCRIPTION OF THE DRAWINGS

[0028] Figure 1 A flowchart of a double face recognition payment method provided in an embodiment of the present application. DETAILED DESCRIPTION

[0029] In order to make the above-mentioned objects, features and advantages of the present invention more obvious and easy to understand, the specific embodiments of the present invention are described in detail below with reference to the accompanying drawings.

[0030] like Figure 1As shown, the first embodiment provided by the present application is a payment method using double face recognition, comprising the following steps:

[0031] S1. Bind bank card: bind the bank card holder's information and the information of the person designated by the bank card holder in the bank payment system;

[0032] S2, payment verification: When the bank card holder makes a payment, a face recognition pop-up window will pop up on the holder's payment device to conduct video verification of the holder and the designated person. If the verification is successful, the process will go directly to S3. If the verification is unsuccessful, the payment will be cancelled.

[0033] S3. Payment successful: The holder and the designated person receive payment success information.

[0034] In the above design, by performing video verification on the holder and the designated person when making payment, it can ensure that the parties with common interests can understand the real-time dynamics when the bank card is spent.

[0035] Specifically: in step S2, during the video verification of the holder and the video verification of the designated person, the payment device issues a voice prompt.

[0036] In the above design, by providing voice prompts to the holder and the designated person, it is possible to prevent the holder and the designated person from being unclear about the purpose of the video verification during the video verification.

[0037] Specifically: the voice prompt includes the payment amount and the purpose of payment.

[0038] In the above design, the payment amount and payment purpose can increase the vigilance of the holder and the designated person during video verification, ensuring that the holder and the designated person will not perform payment verification without knowing it.

[0039] Specifically: the payment success information includes payment time, payee account, and payment amount.

[0040] In the above design, after a successful payment, the holder and the designated person can receive a text message with information such as the payment time, recipient account, and payment amount, which can ensure that the holder and the designated person understand the whereabouts of the funds.

[0041] Specifically: the specific method for video verification of the holder and the designated person in step S2 is: the holder and the designated person are verified simultaneously on the same video page.

[0042] In actual use, the video verification page that appears on the payment device contains two avatars, which correspond to the facial information of the holder and the designated person respectively. The holder and the designated person perform facial recognition on the video verification page at the same time.

[0043] In the above design, the holder and the designated person can perform verification at the same time to quickly perform face recognition.

[0044] Specifically: the specific method for video verification of the holder and the designated person in step S2 is: the holder and the designated person are verified in sequence.

[0045] In the above design, the holder can perform video verification first, or a designated person can perform video verification first, which can improve the convenience of video verification.

[0046] Specifically: the video verification operation in step S2 includes nodding, blinking, opening the mouth, and tilting the head.

[0047] The second embodiment provided by the present application is a payment system using double face recognition, including:

[0048] Verification module, used for video verification of the holder and the designated person;

[0049] Payment module, used to bind bank cards for payment.

[0050] The third embodiment provided by the present application is a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is processed and executed, the steps of the dual face recognition payment method are implemented.

[0051] In addition, the computer-readable storage medium of this embodiment may adopt any combination of one or more computer-readable storage media, wherein the computer-readable storage medium includes electrical, optical, electromagnetic, infrared or semiconductor systems, devices or components, or any combination thereof.

[0052] The fourth embodiment provided by the present application is a computer device, comprising a processor, a communication interface, a memory and a communication bus, wherein the processor, the communication interface and the memory communicate with each other through the communication bus:

[0053] The memory is used to store computer programs;

[0054] The processor is used to execute the steps of the self-service terminal maintenance and detection method by running the program stored in the memory. As an embodiment of the present invention, the communication bus mentioned in the terminal can be a peripheral component interconnect standard (PCI) bus or an extended industry standard architecture (EISA) bus. The communication bus can be divided into an address bus, a data bus, a control bus, etc.

[0055] As an implementation mode of the present invention, the communication interface is used for communication between the above-mentioned terminal and other devices.

[0056] As an embodiment of the present invention, the memory may include a random access memory (RAM) or a non-volatile memory, such as at least one disk memory. Optionally, the memory may also be at least one storage device located away from the aforementioned processor.

[0057] As an embodiment of the present invention, the above-mentioned processor can be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; it can also be a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components.

[0058] The fifth embodiment provided by the present application is a payment method using double face recognition, comprising the following steps:

[0059] S1. Bind bank card: bind bank card holder information and designated person information in bank payment system; S2. Payment verification: when bank card holder pays, the holder's payment device pops up a face recognition pop-up window to conduct video verification of the holder and designated person. If the verification is successful, it will directly enter S3. If the verification is unsuccessful, the payment will be cancelled; S3. Successful payment: the holder and designated person receive payment success information. In step S2, the payment device issues voice prompts during the holder's video verification and the designated person's video verification. The voice prompt includes the payment amount and the purpose of payment. The payment success information includes the payment time, the payee's account, and the payment amount. The specific method for video verification of the holder and designated person in step S2 is: the holder and designated person are verified simultaneously on the same video page. The specific method for video verification of the holder and designated person in step S2 is: the holder and designated person are verified sequentially. The video verification operation in step S2 includes nodding, blinking, opening the mouth, and tilting the head.

[0060] In the above design, the holder and the designated person can be verified by video, which can ensure that the interested parties can understand the real-time dynamics when the bank card is spent. At the same time, it can ensure that the holder and the designated person are given voice prompts during video verification, ensuring that the holder and the designated person have the right to know the purpose of the operation during video verification.

[0061] To further explain in detail, it should be understood that the above is only a specific embodiment of the present invention and is not intended to limit the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the protection scope of the present invention.

Claims

1. The payment method using double face recognition includes the following steps: S1. Binding bank card: Binding the bank card holder's information and the information of the person designated by the bank card holder in the bank payment system; S2, payment verification: When the bank card holder makes a payment, a face recognition pop-up window will pop up on the holder's payment device to conduct video verification of the holder and the designated person. If the verification is successful, the process will go directly to S3. If the verification is unsuccessful, the payment will be cancelled. S3. Payment successful: The holder and the designated person receive payment success information.

2. The double face recognition payment method according to claim 1, characterized in that: In step S2, the payment device issues a voice prompt during both the holder's video verification and the designated person's video verification.

3. The double face recognition payment method according to claim 1, characterized in that: The voice prompt includes the payment amount and the payment purpose.

4. The double face recognition payment method according to claim 1, characterized in that: The payment success information includes payment time, payee account, and payment amount.

5. The double face recognition payment method according to claim 1, characterized in that: The specific method for video verification of the holder and the designated person in step S2 is: the holder and the designated person are verified simultaneously on the same video page.

6. The double face recognition payment method according to claim 1, characterized in that: The specific method for video verification of the holder and the designated person in step S2 is: the holder and the designated person are verified in sequence.

7. The double face recognition payment method according to claim 1, characterized in that: The video verification operations in step S2 include nodding, blinking, opening the mouth, and tilting the head.

8. The double face recognition payment system is characterized by: include, Verification module, used for video verification of the holder and the designated person; Payment module, used to bind bank cards for payment.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is processed and executed, the steps of the double face recognition payment method according to any one of claims 1 to 7 are implemented.

10. A computer device, characterized in that: The method comprises a processor, a communication interface, a memory and a communication bus, wherein the processor, the communication interface and the memory communicate with each other via the communication bus: The memory is used to store computer programs; The processor is used to execute the steps of the self-service terminal maintenance and detection method according to any one of claims 1 to 7 by running the program stored in the memory.

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