CN112184233A - Payment system and payment method - Google Patents
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- CN112184233A CN112184233A CN202010808388.3A CN202010808388A CN112184233A CN 112184233 A CN112184233 A CN 112184233A CN 202010808388 A CN202010808388 A CN 202010808388A CN 112184233 A CN112184233 A CN 112184233A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
- G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
- G06K7/10544—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation by scanning of the records by radiation in the optical part of the electromagnetic spectrum
- G06K7/10821—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation by scanning of the records by radiation in the optical part of the electromagnetic spectrum further details of bar or optical code scanning devices
- G06K7/10861—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation by scanning of the records by radiation in the optical part of the electromagnetic spectrum further details of bar or optical code scanning devices sensing of data fields affixed to objects or articles, e.g. coded labels
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- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
- G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
- G06V40/16—Human faces, e.g. facial parts, sketches or expressions
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Abstract
The invention relates to the field of mobile payment, in particular to a payment system and a payment method. The payment system comprises a client payment system, a control system, a management system, a background service system and a user terminal, wherein the client payment system, the management system and the background service system are respectively connected with the control system; the client payment system comprises video acquisition equipment, a face feature code recognition module, a preset face feature code module, a comparison module, a commodity information reading module, a user information acquisition module, a bill generation module, a bill sending module, a printing module and a wireless network connection module. The invention has the advantages that: the face feature codes are checked through the video acquisition equipment, the face feature code recognition module, the preset face feature code module and the comparison module, and then the payment process can be optimized by combining the confirmation of the user terminal on the bill, so that the safety and the reliability of the payment are guaranteed.
Description
Technical Field
The invention relates to the field of mobile payment, in particular to a payment system and a payment method.
Background
With the rise of electronic commerce, mobile shoring is becoming a part of the lives of many people. Due to the existence of various viruses and trojans, the risks of password theft and bank card embezzlement are always accompanied with mobile payment. Moreover, since one always needs to remember too many passwords: mailbox passwords, forum passwords, bank passwords and the like, and forgetting passwords can cause serious troubles to life. The safety of mobile payment is improved on the premise of ensuring quick payment.
Disclosure of Invention
In order to overcome the defects in the prior art, embodiments of the present invention provide a payment system and a payment method, which improve the security of use under the condition of ensuring normal payment through dual verification of face recognition and a user terminal.
The invention discloses a payment system, which comprises a client payment system, a control system, a management system, a background service system and a user terminal, wherein the client payment system, the management system and the background service system are respectively connected with the control system; the client payment system comprises video acquisition equipment, a face feature code recognition module, a preset face feature code module, a comparison module, a commodity information reading module, a user information acquisition module, a bill generation module, a bill sending module, a printing module and a wireless network connection module, wherein:
the video acquisition equipment is used for acquiring a digital image of the face of the person to be identified;
the face feature code identification module is used for acquiring the features of the face in the face digital image and generating a face feature code of the person to be identified;
the system comprises a preset human face feature code module, a face feature code generating module and a face feature code generating module, wherein the preset human face feature code module is used for acquiring a digital face image of a preset person, acquiring the features of a human face in the digital face image and generating a preset human face feature code;
the comparison module is used for comparing the human face feature code to be identified with a preset human face feature code;
the commodity information reading module is used for acquiring selling price information, preferential information and surplus information of commodities selected by a user;
the user information acquisition module is used for acquiring the user information of the user to be paid according to the face feature code of the user;
the bill generating module is used for generating a user bill according to the commodity information and the user information and transmitting the user bill to the user terminal;
the bill sending module is used for verifying the bill completion condition of the user, generating a receipt after the user finishes payment and sending the receipt electronic part to the user terminal;
the printing module prints the receipt after the user terminal confirms the receipt content through the user terminal;
and the wireless network connection module is used for connecting the user terminal and realizing information exchange between the client payment system and the user terminal.
Further, the user information includes associated account information, member level information and coupon information of the user, and the user information is associated with the face feature code.
Furthermore, the client payment system also comprises a voice broadcast module, wherein the voice broadcast module is used for prompting the user to brush the face and guiding the user in the face brushing process; the voice broadcast module is also used for sending a payment success prompt after the payment is successful.
The system comprises a wireless network connection module, a user terminal and a verification system, wherein the wireless network connection module is used for connecting the user terminal with a wireless network, the verification system is arranged at the user terminal and used for verifying the identity of the user and realizing the matching of the user terminal and face information, the verification system verifies the identity of the user through the face information, fingerprint information or passwords, and the verified user terminal is connected with the wireless network connection module.
Further, the commodity information reading module comprises a code scanning unit, a data storage unit and a writing unit, wherein the code scanning unit is used for scanning two-dimensional codes or bar codes on commodities, the data storage unit is used for storing price information matched with the two-dimensional codes or the bar codes on the commodities, and the writing unit is used for inputting commodity information and the price information into the data storage unit.
The system further comprises a synchronous server and one or more communication servers, wherein the synchronous server is used for backing up and synchronizing the human face feature codes, the user information and the commodity information so that the information in the client payment system is consistent, the communication server is connected with the client payment system through a wireless network, the communication server is connected with the synchronous server, and the number of the communication servers is one or more.
Further, the wireless network is one or more of Bluetooth, WiFi, NBIOT, Ethernet, local area network, Internet, and 3G/4G/5G network.
The invention also relates to a payment method used for the payment system, which is characterized by comprising the following steps:
s1, feature code acquisition, namely acquiring a face digital image of a preset person through a preset face feature code unit, acquiring the features of the face in the face digital image, generating a preset face feature code, and binding the face features with user information;
s2, identifying the feature codes, namely acquiring a face digital image of a person to be identified through video acquisition equipment, acquiring the features of the face in the face digital image through a face feature code identification module, generating a face feature code of the person to be identified, and comparing the face feature code of the person to be identified with a preset face feature code by using a comparison unit;
s3, acquiring commodity data, and acquiring selling price information, discount information and allowance information of the commodity through a commodity information reading module;
s4, generating a bill, namely generating a user bill according to the commodity information and the user information through a bill generating module, and transmitting the user bill to the user terminal through a wireless network module;
s5, receipt printing: the receipt is printed by the printing module after the user completes the payment.
Further, the step of generating the human face feature code by the human face feature code recognition module is as follows:
a1, preprocessing the digital image of the face of the person to be identified, eliminating the background and acquiring the face area;
a2, calculating the geometric characteristics of five sense organs in the face area, including the distance between two eyes and two eyebrows and the width of the mouth, and setting a characteristic value for each geometric characteristic;
and A3, stringing all the characteristic values to form the face characteristic code.
Further, the bill generating step further includes deducting money items according to the discount information and the user information to generate a final bill.
The invention has the advantages that: the invention relates to a payment system and a payment method, which comprise a client payment system, a control system, a management system, a background service system and a user terminal, wherein the client payment system, the management system and the background service system are respectively connected with the control system; the client payment system comprises video acquisition equipment, a face feature code recognition module, a preset face feature code module, a comparison module, a commodity information reading module, a user information acquisition module, a bill generation module, a bill sending module, a printing module and a wireless network connection module, wherein the face feature code is checked through the video acquisition equipment, the face feature code recognition module, the preset face feature code module and the comparison module, and then the payment process can be optimized and the safety and reliability of payment are ensured in combination with the confirmation of a user terminal on a bill.
In order to make the aforementioned and other objects, features and advantages of the present invention comprehensible, preferred embodiments accompanied with tables are described in detail below.
Drawings
Fig. 1 is a schematic diagram of the overall structure of the payment system of the present invention;
fig. 2 is a schematic structural diagram of the client payment system in fig. 1.
Fig. 3 is a schematic diagram of the steps of the payment method of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the 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 invention.
Referring to fig. 1 and 2, in a third invention of the present invention, a payment system is disclosed, which includes a client payment system, a control system, a management system, a background service system and a user terminal, wherein the client payment system, the management system and the background service system are respectively connected to the control system; the client payment system comprises video acquisition equipment, a face feature code recognition module, a preset face feature code module, a comparison module, a commodity information reading module, a user information acquisition module, a bill generation module, a bill sending module, a printing module and a wireless network connection module, wherein:
the system comprises a video acquisition device, a face feature code recognition module and a preset face feature code module, wherein the video acquisition device is used for acquiring a face digital image of a person to be recognized, the face digital image can adopt a picture or a video in the actual implementation process, the picture is used in a use scene with a lower bandwidth according to the signal connection bandwidth of the video acquisition device and the face feature code recognition module or the preset face feature code module, and the video is adopted in a use scene with a higher bandwidth;
the face feature code identification module is used for acquiring the features of the face in the face digital image and generating a face feature code of the person to be identified;
the system comprises a preset human face feature code module, a face feature code generating module and a face feature code generating module, wherein the preset human face feature code module is used for acquiring a digital face image of a preset person, acquiring the features of a human face in the digital face image and generating a preset human face feature code;
the comparison module is used for comparing the human face feature code to be identified with a preset human face feature code, and the preset human face feature code is stored in the preset human face feature code module or the comparison module in the actual implementation process so as to conveniently verify the human face feature code;
the commodity information reading module is used for acquiring selling price information, preferential information and surplus information of commodities selected by a user;
the user information acquisition module is used for acquiring the user information of the user to be paid according to the face feature code of the user;
the bill generating module is used for generating a user bill according to the commodity information and the user information and transmitting the user bill to the user terminal;
the bill sending module is used for verifying the bill completion condition of the user, generating a receipt after the user finishes payment and sending the receipt electronic part to the user terminal;
the printing module prints the receipt after the user terminal confirms the receipt content through the user terminal;
and the wireless network connection module is used for connecting the user terminal and realizing information exchange between the client payment system and the user terminal.
In the above embodiment, the user information includes associated account information, member level information, and coupon information of the user, and the user information is associated with the facial feature code.
In the above embodiment, the client payment system further includes a voice broadcast module, where the voice broadcast module is used to prompt a user to brush a face and guide the user in the face brushing process; the voice broadcast module is also used for sending a payment success prompt after the payment is successful.
In the above embodiment, the wireless network connection module further includes a verification system arranged at the user terminal, where the verification system is used to verify the user identity and implement matching between the user terminal and the face information, and the verification system verifies the user identity through the face information, the fingerprint information or the password, and the verified user terminal is connected with the wireless network connection module.
In the above embodiment, the commodity information reading module includes a code scanning unit, a data storage unit, and a writing unit, the code scanning unit is configured to scan a two-dimensional code or a barcode on a commodity, the data storage unit is configured to store price information matched with the two-dimensional code or the barcode on the commodity, and the writing unit is configured to enter commodity information and price information into the data storage unit. In the actual implementation process, the code scanning unit is used for matching the price information of the commodity by scanning the bar code on the commodity and transmitting the price of the commodity to the bill generation module.
In the above embodiment, the system further includes a synchronization server and one or more communication servers, where the synchronization server is configured to backup and synchronize the facial feature codes, the user information, and the commodity information, so that information in the client payment system is consistent, the communication server is connected to the client payment system through a wireless network, and the communication server is connected to the synchronization server.
In the above embodiments, the wireless network is one or more of bluetooth, WiFi, NBIOT, ethernet, lan, internet, and 3G/4G/5G network.
Referring to fig. 3, the present invention also relates to a payment method for the above payment system, comprising the following steps:
s1, feature code acquisition, namely acquiring a face digital image of a preset person through a preset face feature code unit, acquiring the features of the face in the face digital image, generating a preset face feature code, and binding the face features with user information;
s2, identifying the feature codes, namely acquiring a face digital image of a person to be identified through video acquisition equipment, acquiring the features of the face in the face digital image through a face feature code identification module, generating a face feature code of the person to be identified, and comparing the face feature code of the person to be identified with a preset face feature code by using a comparison unit;
s3, acquiring commodity data, and acquiring selling price information, discount information and allowance information of the commodity through a commodity information reading module;
s4, generating a bill, namely generating a user bill according to the commodity information and the user information through a bill generating module, specifically, deducting the discounted money according to the discount information and the user information to generate a final bill, and transmitting the user bill to the user terminal through the wireless network module;
s5, receipt printing: the receipt is printed by the printing module after the user completes the payment.
In the above embodiment, the step of generating the human face feature recognition code by the human face feature recognition module is:
a1, preprocessing the digital image of the face of the person to be identified, eliminating the background and acquiring the face area;
a2, calculating the geometric characteristics of five sense organs in the face area, including the distance between two eyes and two eyebrows and the width of the mouth, and setting a characteristic value for each geometric characteristic;
and A3, stringing all the characteristic values to form the face characteristic code.
According to the payment system and the payment method, the face feature codes are checked through the video acquisition device, the face feature code identification module, the preset face feature code module and the comparison module, and then the payment process can be optimized and the safety and reliability of payment can be guaranteed by combining the confirmation of the user terminal on the bill.
The principle and the implementation mode of the invention are explained by applying specific embodiments in the invention, and the description of the embodiments is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.
Claims (10)
1. A payment system is characterized by comprising a client payment system, a control system, a management system, a background service system and a user terminal, wherein the client payment system, the management system and the background service system are respectively connected with the control system; the client payment system comprises video acquisition equipment, a face feature code recognition module, a preset face feature code module, a comparison module, a commodity information reading module, a user information acquisition module, a bill generation module, a bill sending module, a printing module and a wireless network connection module, wherein:
the video acquisition equipment is used for acquiring a digital image of the face of the person to be identified;
the face feature code identification module is used for acquiring the features of the face in the face digital image and generating a face feature code of the person to be identified;
the system comprises a preset human face feature code module, a face feature code generating module and a face feature code generating module, wherein the preset human face feature code module is used for acquiring a digital face image of a preset person, acquiring the features of a human face in the digital face image and generating a preset human face feature code;
the comparison module is used for comparing the human face feature code to be identified with a preset human face feature code;
the commodity information reading module is used for acquiring selling price information, preferential information and surplus information of commodities selected by a user;
the user information acquisition module is used for acquiring the user information of the user to be paid according to the face feature code of the user;
the bill generating module is used for generating a user bill according to the commodity information and the user information and transmitting the user bill to the user terminal;
the bill sending module is used for verifying the bill completion condition of the user, generating a receipt after the user finishes payment and sending the receipt electronic part to the user terminal;
the printing module prints the receipt after the user terminal confirms the receipt content through the user terminal;
and the wireless network connection module is used for connecting the user terminal and realizing information exchange between the client payment system and the user terminal.
2. The payment system according to claim 1, wherein the user information includes associated account information, member rating information, and coupon information of the user, the user information being associated with the facial feature code.
3. The payment system of claim 1, wherein the client payment system further comprises a voice broadcast module for prompting a user to brush a face and guiding the user during the brushing of the face; the voice broadcast module is also used for sending a payment success prompt after the payment is successful.
4. The payment system of claim 1, further comprising an authentication system disposed at the user terminal, wherein the authentication system is configured to authenticate the user identity and implement matching between the user terminal and the face information, the authentication system authenticates the user identity through the face information, the fingerprint information or the password, and the authenticated user terminal is connected to the wireless network connection module.
5. The payment system as recited in claim 1, wherein the commodity information reading module comprises a code scanning unit, a data storage unit and a writing unit, the code scanning unit is used for scanning a two-dimensional code or a bar code on a commodity, the data storage unit is used for storing price information matched with the two-dimensional code or the bar code on the commodity, and the writing unit is used for inputting commodity information and price information into the data storage unit.
6. The payment system as recited in claim 1, further comprising a synchronization server and one or more communication servers, wherein the synchronization server is configured to backup and synchronize the facial feature codes, the user information, and the merchandise information, so that the information in the client payment system is consistent, the communication server is connected to the client payment system through a wireless network, the communication server is connected to the synchronization server, and the number of the communication servers is one or more.
7. A payment system as recited in claim 1, wherein the wireless network is one or more of bluetooth, WiFi, NBIOT, ethernet, local area network, internet, 3G/4G/5G network.
8. A payment method for a payment system as claimed in any one of claims 1 to 7, comprising the steps of:
s1, feature code acquisition, namely acquiring a face digital image of a preset person through a preset face feature code unit, acquiring the features of the face in the face digital image, generating a preset face feature code, and binding the face features with user information;
s2, identifying the feature codes, namely acquiring a face digital image of a person to be identified through video acquisition equipment, acquiring the features of the face in the face digital image through a face feature code identification module, generating a face feature code of the person to be identified, and comparing the face feature code of the person to be identified with a preset face feature code by using a comparison unit;
s3, acquiring commodity data, and acquiring selling price information, discount information and allowance information of the commodity through a commodity information reading module;
s4, generating a bill, namely generating a user bill according to the commodity information and the user information through a bill generating module, and transmitting the user bill to the user terminal through a wireless network module;
s5, receipt printing: the receipt is printed by the printing module after the user completes the payment.
9. A payment system as recited in claim 8, wherein: the step of generating the human face feature code by the human face feature code recognition module is as follows:
a1, preprocessing the digital image of the face of the person to be identified, eliminating the background and acquiring the face area;
a2, calculating the geometric characteristics of five sense organs in the face area, including the distance between two eyes and two eyebrows and the width of the mouth, and setting a characteristic value for each geometric characteristic;
and A3, stringing all the characteristic values to form the face characteristic code.
10. A payment system as recited in claim 8, wherein: and in the bill generating step, deducting money items according to the discount information and the user information to generate a final bill.
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| CN202010808388.3A CN112184233A (en) | 2020-08-12 | 2020-08-12 | Payment system and payment method |
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| CN202010808388.3A CN112184233A (en) | 2020-08-12 | 2020-08-12 | Payment system and payment method |
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