HK1228069A - Payment method and device - Google Patents

Abstract

The present invention provides a payment method and a device. The method includes receiving, by a collection server, image information of human face of a user who is waiting for payment, wherein the image information is acquired by a collection terminal; determining whether the image information of human face of the user is matched with image information of human face in an image library of human face, if yes, sending a first verification code to a client terminal of the user, and receiving a second verification code input by the user; determining whether the second verification code is identical to the first verification code, if yes, sending a payment notice to an account manager corresponding to the payment account of the user so as to complete the payment. The dual authentication including face recognition and verification code can confirm safety of user payment. The verification code is further verified after image information of human face being verified, so as to further improve safety of payment in a case of that the face recognition has errors. The convenient payment environment for user can be provided and user experience can be improved by the face recognition and verification code rather than swiping card and inputting passcode tediously.

Description

Payment method and device

Technical Field

The invention relates to the technical field of payment authentication, in particular to a payment method and a payment device.

Background

When a user purchases a large-scale membership-system chain supermarket, cash payment or a traditional payment form of inputting a password by swiping a bank card is mostly adopted.

If large amount of payment is needed during shopping, cash payment is inconvenient, and a user needs to carry a large amount of cash, so that certain potential safety hazard can be brought. The bank card is inconvenient to use and hidden danger of leaking the bank card password exists.

Therefore, a payment method is needed to solve the problem of password leakage caused by card swiping and password input in the payment process.

Disclosure of Invention

The embodiment of the invention provides a payment method and a payment device, which are used for solving the problem of password leakage caused by card swiping and password input in the payment process.

The payment method provided by the embodiment of the invention comprises the following steps:

the method comprises the steps that a payment server receives a payment request sent by a payment terminal, wherein the payment request comprises payment amount to be paid;

the collection server receives face picture information of a user to be paid, which is automatically collected by the collection terminal;

the collection server determines whether the face picture information of the user to be paid is matched with the face picture information in the face picture library;

if the user terminal number is matched with the payment account number, the payment server acquires the payment account number and the user terminal number of the user to be paid, and sends a first verification code to the user terminal of the user to be paid according to the user terminal number;

the collection server receives a second verification code input by the user to be paid and sent by the collection terminal;

the collection server judges whether the second verification code is consistent with the first verification code;

if the payment amount is consistent with the payment amount of the user to be paid, the payment server sends a payment notification to an account manager corresponding to the payment account of the user to be paid so as to complete payment, and the payment notification comprises the payment amount to be paid and the payment account of the user to be paid.

Preferably, the receiving server sends the first verification code to the terminal bound to the user to be paid, and the method includes:

the collection server sends a payment confirmation short message to a user terminal of the user to be paid, wherein the payment confirmation short message comprises the first verification code; or

And the collection server pushes the first verification code to an application program in the user terminal of the user to be paid.

Preferably, before the payment server receives the payment request sent by the payment receiving terminal, the method further includes:

the method comprises the steps that a collection server receives user registration information, wherein the registration information comprises a user ID, a payment account bound with the user ID, a user terminal number bound with the user ID and N groups of face picture information of a user, and N is more than or equal to 1;

and the collection server stores the registration information of the user.

Correspondingly, the embodiment of the invention also provides a payment method, which comprises the following steps:

the method comprises the steps that a collection server receives a verification code request sent by a user terminal of a user to be paid, and sends a first verification code to the user terminal of the user to be paid according to the verification code request;

the method comprises the steps that a collection server receives face picture information of a user to be paid, which is automatically collected by a collection terminal;

the collection server determines whether the face picture information of the user to be paid is matched with the face picture information in the face picture library;

if the matching is successful, the collection server acquires the payment account of the user to be paid and the payment amount to be paid;

the collection server receives a second verification code input by the user to be paid and sent by the collection terminal;

the collection server judges whether the second verification code is consistent with the first verification code;

if the payment amount is consistent with the payment amount of the user to be paid, the payment server sends a payment notification to an account manager corresponding to the payment account of the user to be paid so as to complete payment, and the payment notification comprises the payment amount to be paid and the payment account of the user to be paid.

Correspondingly, the embodiment of the invention also provides a payment device, which comprises:

the payment processing device comprises a first receiving unit, a second receiving unit and a payment processing unit, wherein the first receiving unit is used for receiving a payment request sent by a cash receiving terminal, and the payment request comprises payment amount to be paid;

the second receiving unit is used for receiving the face picture information of the user to be paid, which is automatically acquired by the collection terminal;

the determining unit is used for determining whether the face picture information of the user to be paid is matched with the face picture information in the face picture library;

the sending unit is used for acquiring a payment account and a user terminal number of the user to be paid if the face picture information of the user to be paid is matched with the face picture information in the face picture library, and sending a first verification code to the user terminal of the user to be paid according to the user terminal number;

the third receiving unit is used for receiving a second verification code input by the user to be paid and sent by the collection terminal;

the judging unit is used for judging whether the second verification code is consistent with the first verification code;

and the payment unit is used for sending a payment notice to an account manager corresponding to the payment account of the user to be paid so as to complete payment, wherein the payment notice comprises the payment amount to be paid and the payment account of the user to be paid.

Preferably, the sending unit is specifically configured to:

sending a payment confirmation short message to a user terminal of the user to be paid, wherein the payment confirmation short message comprises the first verification code; or

And pushing the first verification code to an application program in the user terminal of the user to be paid.

Preferably, the method further comprises the following steps: a fourth receiving unit and a storage unit;

before receiving a payment request sent by a collection terminal, receiving user registration information, wherein the registration information comprises a user ID, a payment account bound with the user ID, a user terminal number bound with the user ID and N groups of face picture information of a user, and N is more than or equal to 1;

the storage unit is specifically configured to store the registration information of the user.

Correspondingly, the embodiment of the invention also provides a payment device, which comprises:

the payment system comprises a first receiving unit, a second receiving unit and a payment processing unit, wherein the first receiving unit is used for receiving a verification code request sent by a user terminal of a user to be paid and sending a first verification code to the user terminal of the user to be paid according to the verification code request;

the second receiving unit is used for receiving the face picture information of the user to be paid, which is automatically acquired by the collection terminal;

the determining unit is used for determining whether the face picture information of the user to be paid is matched with the face picture information in the face picture library;

the acquisition unit is used for acquiring the payment account of the user to be paid and the payment amount to be paid if the face picture information of the user to be paid is matched with the face picture information in the face picture library;

the third receiving unit is used for receiving a second verification code input by the user to be paid and sent by the collection terminal;

the judging unit is used for judging whether the second verification code is consistent with the first verification code;

and the payment unit is used for sending a payment notice to an account manager corresponding to the payment account of the user to be paid so as to complete payment, wherein the payment notice comprises the payment amount to be paid and the payment account of the user to be paid.

The embodiment of the invention shows that a collection server receives a payment request sent by a collection terminal, the collection server receives face picture information of a user to be paid, which is automatically collected by the collection terminal, and the collection server determines whether the face picture information of the user to be paid is matched with the face picture information in a face picture library; if the verification codes are matched with the user terminal numbers, the collection server acquires the payment account numbers and the user terminal numbers of the users to be paid, sends a first verification code to the user terminals of the users to be paid according to the user terminal numbers, receives a second verification code input by the users to be paid and sent by the collection terminal, judges whether the second verification code is consistent with the first verification code or not, and if the second verification code is consistent with the first verification code, sends a payment notice to an account manager corresponding to the payment account of the users to be paid so as to complete payment. Through the double verification of the face recognition and the verification code, the payment safety of the user can be confirmed, and the verification code is verified after the face picture information is verified, so that the payment safety is further enhanced under the condition that errors occur in the face recognition. Only face identification and verification code input are needed, complex card swiping and password input are not needed, convenience is improved, and user experience is improved.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.

FIG. 1 is a schematic flow chart illustrating a payment method according to an embodiment of the present invention;

FIGS. 2a to 2b are schematic diagrams illustrating verification code display according to an embodiment of the present invention;

FIGS. 3a to 3b are schematic diagrams illustrating verification code display according to an embodiment of the present invention;

FIG. 4 is a schematic flow chart illustrating a payment method according to an embodiment of the present invention;

FIG. 5 is a schematic flow chart of a payment device according to an embodiment of the present invention;

fig. 6 is a schematic flow chart of a payment device according to an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application clearer, the present application will be described in further detail with reference to the accompanying drawings, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

In the embodiment of the invention, a user needs to register a member in a use place in advance, establish a user ID (Identity, Identity identification number), bind information such as the name and the mobile phone number of the user with the user ID, acquire the face picture information of the user corresponding to the user ID, store the face picture information of the user in a face picture library in a safe manner, encrypt the face picture information and prevent the face picture information from being stolen. And then the user needs to swipe the bound information of the bank card for secret transmission, send the information to a background in a safe communication mode, submit the information to a card issuing bank of the bank card for verification, and therefore bind the information of the bank card.

The collection server in the embodiment of the invention can be a background server, and the user terminal bound with the user ID in the embodiment of the invention can be an electronic device which has a wireless communication function and can be provided with an application program, such as a mobile phone, a tablet computer, a palm computer and the like. The cash receiving terminal in the embodiment of the invention can be a POS machine of a supermarket. The client corresponding to the collection server and arranged in the user terminal in the embodiment of the invention can be an application program installed in the user terminal.

Based on the above description, fig. 1 shows a flow of a payment method, which may be performed by a payment apparatus.

As shown in fig. 1, the process specifically includes:

step 101, a payment server receives a payment request sent by a payment terminal.

And step 102, the collection server receives the face picture information of the user to be paid, which is automatically collected by the collection terminal.

Step 103, the collection server determines whether the face picture information of the user to be paid is matched with the face picture information in the face picture library, if so, the step 104 is carried out, and if not, the step 102 is carried out.

And 104, the collection server acquires the payment account and the user terminal number of the user to be paid, and sends a first verification code to the user terminal of the user to be paid according to the user terminal number.

And 105, the collection server receives a second verification code input by the user to be paid and sent by the collection terminal.

Step 106, the money receiving server determines whether the second verification code is consistent with the first verification code, if so, the step 107 is executed, and if not, the step 105 is executed.

Step 107, the collection server sends a payment notification to an account manager corresponding to the payment account of the user to be paid so as to complete the payment.

Before step 101, the user registers at a checkout terminal of a supermarket, and may receive the user registration information. The user registration information comprises a user ID, a payment account bound with the user ID, a user terminal number and N groups of face picture information of the user. The user registration information is then stored. And the payment account bound with the user ID is used for deducting payment amount generated during shopping, and the user terminal number is used for the collection terminal to send a first verification code to the user terminal according to the user terminal number. And the N groups of face picture information are used for matching with the acquired face picture information of the user to be paid. N is greater than or equal to 1.

In step 101, after shopping, the user pays the counter, and the payment terminal scans the goods and then sends a payment request to the payment server, where the payment request includes a payment amount to be paid, and the payment amount to be paid is used for an amount to be deducted from a bank card of the user during payment.

In step 102, after the payment server receives the payment request sent by the payment terminal in step 101, the payment terminal needs to automatically collect the face of the user to be paid, the payment terminal is provided with a device for automatically capturing a face image, so that the face image information of the user to be paid can be automatically collected, the face image information of the user to be paid is collected, and the face image information of the user to be paid can be used for face recognition. The face picture information of the user to be paid is collected and can be automatically collected through a camera or other face picture information collection equipment. The method comprises the steps that a collection terminal sends automatically collected face picture information of a user to be paid to a collection server, and the collection server receives the automatically collected face picture information of the user to be paid.

In step 103, after the receiving server receives the face picture information of the user to be paid automatically collected by the receiving terminal, the face picture information of the user to be paid is matched with the face picture information in the face picture library. And if the face picture information of the user to be paid is successfully matched with the face picture information in the face picture library, the identity of the user to be paid is confirmed, and the collection server can acquire the payment account and the user terminal number of the user to be paid. Otherwise, the collection terminal is informed to continue to collect the face picture information of the user to be paid, if the face picture information exceeds the preset times and the matching is not successful all the time, the user to be paid cannot pass the verification, so that the payment cannot be carried out, and the safety of the bank card of the user is ensured.

In step 104, when the collection server determines that the face picture information of the user to be paid matches the face picture information in the face picture library in step 103, the collection server obtains the payment account and the user terminal number of the user to be paid, and sends a first verification code to the user terminal of the user to be paid according to the user terminal. The first verification code can be set to be valid within a set time, and the first verification code cannot be used after the set time and needs to be acquired again. The setting time may be empirically set, for example, 5 minutes.

The process of sending the first verification code to the user terminal of the user to be paid by the collection server may be sending a payment confirmation short message to the user terminal of the user to be paid, where the payment confirmation short message includes the first verification code, as shown in fig. 2 a. Meanwhile, the user can manage the payment confirmation short message, for example, the payment confirmation short message can be deleted, so that information leakage is avoided, and the method is specifically shown in fig. 2 b.

The process of sending the first verification code to the user terminal of the user to be paid by the collection server may also be pushing the first verification code to an application program in the user terminal of the user to be paid. As shown in fig. 3a, the user may install the application for payment management in the user terminal in advance. After the application is opened, as shown in fig. 3b, the pushed first verification code can be seen, and the first verification code is pushed after the face picture information of the user to be paid is successfully matched.

In step 105, after the receiving terminal sends the first verification code to the user to be paid, the user checks the verification code and inputs the checked verification code, that is, the receiving terminal can obtain the second verification code input by the user to be paid, the receiving terminal sends the second verification code to the receiving server, and the receiving server receives the second verification code input by the user to be paid and sent by the receiving terminal.

In step 106, the collection server determines whether the second verification code input by the user to be paid is consistent with the first verification code in step 104, and if so, the identity of the user to be paid can be confirmed, the identity of the user to be paid is further verified, and the security of the information of the bank card is ensured. Otherwise, the payment receiving terminal needs to be informed to continuously acquire the second verification code input by the user to be paid, and if the second verification code is not determined to be consistent after the second verification code is acquired for the preset times, the payment is determined to be impossible.

In step 107, after the collection server determines that the second verification code is consistent with the first verification code in step 106, the collection server sends a payment notification to an account manager corresponding to the payment account of the user to be paid, so as to complete the payment, where the payment notification includes the payment amount to be paid and the payment account of the user to be paid.

The embodiment shows that the collection server receives the payment request sent by the collection terminal, the collection server receives the face picture information of the user to be paid automatically collected by the collection terminal, and the collection server determines whether the face picture information of the user to be paid is matched with the face picture information in the face picture library; if the verification codes are matched with the user terminal numbers, the collection server acquires the payment account numbers and the user terminal numbers of the users to be paid, sends a first verification code to the user terminals of the users to be paid according to the user terminal numbers, receives a second verification code input by the users to be paid and sent by the collection terminal, judges whether the second verification code is consistent with the first verification code or not, and if the second verification code is consistent with the first verification code, sends a payment notice to an account manager corresponding to the payment account of the users to be paid so as to complete payment. Through the double verification of the face recognition and the verification code, the payment safety of the user can be confirmed, and the verification code is verified after the face picture information is verified, so that the payment safety is further enhanced under the condition that errors occur in the face recognition. Only face identification and verification code input are needed, complex card swiping and password input are not needed, convenience is improved, and user experience is improved.

Based on the same technical concept, fig. 4 shows a flow of a payment method, which may be performed by a payment apparatus.

As shown in fig. 4, the process specifically includes:

step 401, the collection server receives a verification code request sent by a user terminal of a user to be paid, and sends a first verification code to the user terminal of the user to be paid according to the verification code request.

Step 402, the collection server receives the face picture information of the user to be paid, which is automatically collected by the collection terminal.

In step 403, the collection server determines whether the face picture information of the user to be paid is matched with the face picture information in the face picture library, if so, the step 404 is executed, and if not, the step 402 is executed.

Step 404, the payment server obtains the payment account of the user to be paid and the payment amount to be paid.

Step 405, the receiving server receives the second verification code input by the user to be paid and sent by the receiving terminal.

In step 406, the payment receiving server determines whether the second verification code is consistent with the first verification code, if yes, the process proceeds to step 407, and if not, the process proceeds to step 405.

Step 407, the payment server sends a payment notification to an account manager corresponding to the payment account of the user to be paid to complete payment.

Before step 401, the user registers through an application program on the user terminal, and the payment receiving server receives user registration information sent by the user terminal. The user registration information comprises a user ID, a payment account bound with the user ID, a user terminal number bound with the user ID and N groups of face picture information of the user, and then the collection server stores the user registration information. The user terminal number is used for the collection server to send a first verification code to the user terminal according to the user terminal number. And the N groups of face picture information are used for matching with the acquired face picture information of the user to be paid. N is greater than or equal to 1.

In step 401, after the user to be paid finishes shopping, an application program in the user terminal is opened, and a verification code request is sent to the collection server to request the collection server to send a verification code. And the collection server receives the verification code request sent by the user terminal of the user to be paid and returns a first verification code to the user terminal of the user to be paid according to the verification code request. The first verification code can be set to be valid within a set time, and the first verification code cannot be used after the set time and needs to be acquired again. The setting time may be empirically set, for example, 5 minutes. When the cashier scans the items which need to be purchased by the user, the cash receiving terminal submits a payment request, wherein the payment request can comprise the payment amount to be paid, and the payment amount to be paid is used for deducting the amount from the bank card of the user when payment is carried out.

In step 402, after the user terminal receives the first verification code returned by the collection server, the collection terminal needs to automatically collect the face of the user to be paid, and automatically collects the face picture information of the user to be paid, where the face picture information of the user to be paid can be used for face recognition. The face picture information of the user to be paid can be automatically acquired through a camera or other face picture information acquisition equipment. The method comprises the steps that a collection terminal sends automatically collected face picture information of a user to be paid to a collection server, and the collection server receives the automatically collected face picture information of the user to be paid.

In step 403, after the collection server receives the face picture information of the user to be paid automatically collected by the collection terminal, the face picture information of the user to be paid is matched with the face picture information in the face picture library. And if the face picture information of the user to be paid is successfully matched with the face picture information in the face picture library, the identity of the user to be paid is confirmed, and the collection server can acquire the payment account and the user terminal number of the user to be paid. Otherwise, the collection terminal is informed to continue to collect the face picture information of the user to be paid, if the face picture information exceeds the preset times and the matching is not successful all the time, the user to be paid cannot pass the verification, so that the payment cannot be carried out, and the safety of the bank card of the user is ensured.

In step 404, when the collection server determines that the face picture information of the user to be paid matches the face picture information in the face picture library in step 403, the collection server obtains a payment account bound to the user to be paid and a payment amount to be paid, and instructs the collection terminal to prompt the user that a verification code needs to be input.

In step 405, the user to be paid inputs a second verification code at the receiving terminal, i.e. the POS, according to the first verification code received by the user terminal. And the collection terminal sends the second verification code input by the user to be paid to a collection server, and the collection server receives the second verification code input by the user to be paid and sent by the collection terminal.

In step 406, the money receiving server determines whether the second verification code input by the user to be paid is consistent with the first verification code, and if so, the identity of the user to be paid can be confirmed, the identity of the user to be paid is further verified, and the security of the information of the bank card is ensured. Otherwise, the payment receiving terminal needs to be informed to continuously acquire the second verification code input by the user to be paid, and if the second verification code is not determined to be consistent after the second verification code is acquired for the preset times, the payment is determined to be impossible.

In step 407, after the collection server determines that the second verification code is consistent with the first verification code in step 406, the collection server sends a payment notification to an account manager corresponding to the payment account of the user to be paid, so as to complete payment, where the payment notification includes the payment amount to be paid and the payment account of the user to be paid.

In order to better explain the embodiment of the present invention, the following describes the payment process in a specific implementation scenario.

In the first scenario, the payment verification code is sent to the mobile phone in a short message form.

First, the members of the supermarket need to be transacted. A user inputs information such as names and mobile phone numbers through a money receiving terminal of a supermarket, acquires face picture information, sends the face picture information to a background system for encryption storage, and establishes member files. Then, the collection terminal binds the information of the bank card, the password is input by swiping the card, the information is sent to a collection server in a safe communication mode and submitted to a card sending bank for verification, and the binding of the information of the bank card is completed.

In the shopping consumption process, after a user purchases a commodity, payment is carried out on the commodity, a cashier scans the commodity and submits a payment request, the payment terminal automatically collects face picture information of the user, the automatically collected face picture information is sent to a payment server to be compared, the payment server randomly generates a payment verification code after the identity of the user is confirmed, and a short message is sent to a mobile phone of the user, wherein the short message comprises the payment verification code, transaction amount and other information. The user receives the short message, after confirming, the verification code is input on the collection terminal, the collection terminal sends the input verification code into the collection server for verification, and the collection server informs a card issuing bank of the bank card to deduct money and complete the transaction after the verification of the verification code is passed.

And in the second scenario, the payment verification code is pushed to the mobile phone application program of the user.

Firstly, a user needs to download an application program for mobile phone payment management, register a supermarket member through the application program in a mobile phone, verify a mobile phone number, establish a member file and generate a user ID. Then, the face picture is collected at a cash collection terminal of a supermarket, is bound with the user ID, and is sent to a background for encrypted storage in a secure communication mode. And finally, the collection terminal binds the information of the bank card, swipes the card to input a password, sends the password to a background in a safe communication mode, submits the password to a bank sending the card to carry out verification, and completes the binding of the information of the bank card.

In the shopping consumption process, after a user purchases a commodity, an application program in a mobile phone is opened, the random verification code is requested to be acquired from a collection server, payment is conducted before a collection terminal after the random verification code sent by the collection server is received, a cashier scans the commodity and submits a payment request, the collection terminal automatically acquires face picture information of the user, the automatically acquired face picture information is sent to the collection server for comparison, after the identity of the user is confirmed, the user inputs the verification code on the collection terminal, the collection terminal sends the input verification code to the collection server for verification, and the collection server completes transaction after the verification of the verification code is passed.

Based on the same technical concept, fig. 5 shows a structure of a payment apparatus provided by an embodiment of the present invention, which can perform a payment process.

As shown in fig. 5, the apparatus specifically includes:

a first receiving unit 501, configured to receive a payment request sent by a receiving terminal, where the payment request includes a payment amount to be paid;

a second receiving unit 502, configured to receive face picture information of a user to be paid, which is automatically acquired by the cash receiving terminal;

a determining unit 503, configured to determine whether the face picture information of the user to be paid matches with face picture information in a face picture library;

a sending unit 504, configured to obtain a payment account and a user terminal number of the user to be paid if the face picture information of the user to be paid matches the face picture information in the face picture library, and send a first verification code to the user terminal of the user to be paid according to the user terminal number;

a third receiving unit 505, configured to receive a second verification code input by the user to be paid and sent by the receiving terminal;

a determining unit 506, configured to determine whether the second verification code is consistent with the first verification code;

the payment unit 507 is configured to send a payment notification to an account manager corresponding to the payment account of the user to be paid to complete payment, where the payment notification includes the payment amount to be paid and the payment account of the user to be paid.

Preferably, the sending unit 504 is specifically configured to:

sending a payment confirmation short message to a user terminal of the user to be paid, wherein the payment confirmation short message comprises the first verification code; or

And pushing the first verification code to an application program in the user terminal of the user to be paid.

Preferably, the method further comprises the following steps: a fourth receiving unit (not shown in the figure) and a storage unit (not shown in the figure);

before receiving a payment request sent by a collection terminal, receiving user registration information, wherein the registration information comprises a user ID, a payment account bound with the user ID, a user terminal number bound with the user ID and N groups of face picture information of a user, and N is more than or equal to 1;

the storage unit is specifically configured to store the registration information of the user.

Based on the same technical concept, fig. 6 illustrates a payment apparatus provided by an embodiment of the present invention, which may perform a payment process.

As shown in fig. 6, the apparatus specifically includes:

a first receiving unit 601, configured to receive a verification code request sent by a user terminal of a user to be paid, and send a first verification code to the user terminal of the user to be paid according to the verification code request;

a second receiving unit 602, configured to receive face picture information of a user to be paid, which is automatically acquired by a cash receiving terminal;

a determining unit 603, configured to determine whether the face picture information of the user to be paid matches with face picture information in a face picture library;

an obtaining unit 604, configured to obtain a payment account of the user to be paid and a payment amount to be paid if the face picture information of the user to be paid matches with the face picture information in the face picture library;

a third receiving unit 605, configured to receive a second verification code input by the user to be paid and sent by the receiving terminal;

a determining unit 606, configured to determine whether the second verification code is consistent with the first verification code;

the payment unit 607 is configured to send a payment notification to an account manager corresponding to the payment account of the user to be paid to complete payment, where the payment notification includes the payment amount to be paid and the payment account of the user to be paid.

The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

While the preferred embodiments of the present application have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all alterations and modifications as fall within the scope of the application.

It will be apparent to those skilled in the art that various changes and modifications may be made in the present application without departing from the spirit and scope of the application. Thus, if such modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is intended to include such modifications and variations as well.

Claims (8)

1. A payment method, comprising:

the method comprises the steps that a payment server receives a payment request sent by a payment terminal, wherein the payment request comprises payment amount to be paid;

the collection server receives face picture information of a user to be paid, which is automatically collected by the collection terminal;

the collection server determines whether the face picture information of the user to be paid is matched with the face picture information in the face picture library;

if the user terminal number is matched with the payment account number, the payment server acquires the payment account number and the user terminal number of the user to be paid, and sends a first verification code to the user terminal of the user to be paid according to the user terminal number;

the collection server receives a second verification code input by the user to be paid and sent by the collection terminal;

the collection server judges whether the second verification code is consistent with the first verification code;

if the payment amount is consistent with the payment amount of the user to be paid, the payment server sends a payment notification to an account manager corresponding to the payment account of the user to be paid so as to complete payment, and the payment notification comprises the payment amount to be paid and the payment account of the user to be paid.

2. The method of claim 1, wherein the receiving server sending a first verification code to the user terminal of the user to be paid comprises:

the collection server sends a payment confirmation short message to a user terminal of the user to be paid, wherein the payment confirmation short message comprises the first verification code; or

And the collection server pushes the first verification code to an application program in the user terminal of the user to be paid.

3. The method of claim 1, before the receiving server receives the payment request sent by the receiving terminal, further comprising:

the method comprises the steps that a collection server receives user registration information, wherein the registration information comprises a user ID, a payment account bound with the user ID, a user terminal number bound with the user ID and N groups of face picture information of a user, and N is more than or equal to 1;

and the collection server stores the registration information of the user.

4. A payment method, comprising:

the method comprises the steps that a collection server receives a verification code request sent by a user terminal of a user to be paid, and sends a first verification code to the user terminal of the user to be paid according to the verification code request;

the method comprises the steps that a collection server receives face picture information of a user to be paid, which is automatically collected by a collection terminal;

the collection server determines whether the face picture information of the user to be paid is matched with the face picture information in the face picture library;

if the matching is successful, the collection server acquires the payment account of the user to be paid and the payment amount to be paid;

the collection server receives a second verification code input by the user to be paid and sent by the collection terminal;

the collection server judges whether the second verification code is consistent with the first verification code;

if the payment amount is consistent with the payment amount of the user to be paid, the payment server sends a payment notification to an account manager corresponding to the payment account of the user to be paid so as to complete payment, and the payment notification comprises the payment amount to be paid and the payment account of the user to be paid.

5. A payment device, comprising:

the payment processing device comprises a first receiving unit, a second receiving unit and a payment processing unit, wherein the first receiving unit is used for receiving a payment request sent by a cash receiving terminal, and the payment request comprises payment amount to be paid;

the second receiving unit is used for receiving the face picture information of the user to be paid, which is automatically acquired by the collection terminal;

the determining unit is used for determining whether the face picture information of the user to be paid is matched with the face picture information in the face picture library;

the sending unit is used for acquiring a payment account and a user terminal number of the user to be paid if the face picture information of the user to be paid is matched with the face picture information in the face picture library, and sending a first verification code to the user terminal of the user to be paid according to the user terminal number;

the third receiving unit is used for receiving a second verification code input by the user to be paid and sent by the collection terminal;

the judging unit is used for judging whether the second verification code is consistent with the first verification code;

and the payment unit is used for sending a payment notice to an account manager corresponding to the payment account of the user to be paid so as to complete payment, wherein the payment notice comprises the payment amount to be paid and the payment account of the user to be paid.

6. The apparatus as claimed in claim 5, wherein said sending unit is specifically configured to:

sending a payment confirmation short message to a user terminal of the user to be paid, wherein the payment confirmation short message comprises the first verification code; or

And pushing the first verification code to an application program in the user terminal of the user to be paid.

7. The apparatus of claim 5, further comprising: a fourth receiving unit and a storage unit;

before receiving a payment request sent by a collection terminal, receiving user registration information, wherein the registration information comprises a user ID, a payment account bound with the user ID, a user terminal number bound with the user ID and N groups of face picture information of a user, and N is more than or equal to 1;

the storage unit is specifically configured to store the registration information of the user.

8. A payment device, comprising:

the payment system comprises a first receiving unit, a second receiving unit and a payment processing unit, wherein the first receiving unit is used for receiving a verification code request sent by a user terminal of a user to be paid and sending a first verification code to the user terminal of the user to be paid according to the verification code request;

the second receiving unit is used for receiving the face picture information of the user to be paid, which is automatically acquired by the collection terminal;

the determining unit is used for determining whether the face picture information of the user to be paid is matched with the face picture information in the face picture library;

the acquisition unit is used for acquiring the payment account of the user to be paid and the payment amount to be paid if the face picture information of the user to be paid is matched with the face picture information in the face picture library;

the third receiving unit is used for receiving a second verification code input by the user to be paid and sent by the collection terminal;

the judging unit is used for judging whether the second verification code is consistent with the first verification code;

and the payment unit is used for sending a payment notice to an account manager corresponding to the payment account of the user to be paid so as to complete payment, wherein the payment notice comprises the payment amount to be paid and the payment account of the user to be paid.