為了使本技術領域的人員更好地理解本說明書中的技術方案，下面將結合本說明書實施例中的圖式，對本說明書實施例中的技術方案進行清楚、完整地描述，顯然，所描述的實施例僅僅是本說明書一部分實施例，而不是全部的實施例。基於本說明書中的實施例，本領域普通技術人員在沒有作出創造性勞動前提下所獲得的所有其他實施例，都應當屬於本說明書保護的範圍。
首先，介紹本說明書實施例中線下自助結算方案的系統架構。該系統架構所適用的應用場景可以為超市、大賣場等自助選購商品的場所。參照圖1a所示，該系統架構可以包括：多個自助結算設備102、服務端設備104以及多個出口檢驗設備106；多個出口檢驗設備106可以如圖1a並排設置在購物場所的出口位置。
其中，參照圖1b所示，所述自助結算設備102可以包括：支付終端1021以及自助收銀終端1022；自助收銀終端1022用於對目標用戶選取的商品進行掃碼以獲取商品資訊，支付終端1021用於輔助自助收銀終端1022實現目標用戶的自助支付；多個自助收銀終端1022可以是自助收銀台，分佈在購物場所中不同位置；而支付終端1021可以為目標用戶手持，例如可以是手機、平板電腦等，支付終端1021一般為目標用戶隨身攜帶，不受地點限制；服務端設備104作為後台伺服器可設置在購物場所的機房內，分別與各個自助收銀終端1022建立有無線連接或有線連接。考慮到自助收銀終端1022的投入成本是固定的，而在相同投入成本的情況下，可以設置較多數目的自助收銀終端1022，配合目標用戶手持的支付終端1022，以緩解甚至解決排隊問題。
或者，參照圖1c所示，所述自助結算設備102可以為目標用戶手持的支付終端1021；支付終端1021可用於對目標用戶選取的商品進行掃碼以獲取商品資訊，並通過自身的支付結算功能實現目標用戶的自助支付。由於目標用戶手持的支付終端1021可以是目標用戶隨身攜帶的手機、平板電腦等終端，並不受地點限制，可以在購物場所的任意選購區域實現自助結算，有效避免了排隊困擾。
由此，不僅提升購物結算體驗，還可以提升結算效率。另外，通過出口檢驗設備106與服務端設備104的配合，還可以確定顧客是否完成自助結算，並基於自助結算結果對目標用戶進行攔截或放行。從而，有效減少甚至避免逃單。
實施例一
參照圖2a所示，為本說明書實施例提供的一種線下自助結算方法的步驟示意圖，該方法可以包括以下步驟：
步驟202：自助結算設備通過掃描目標用戶選取的商品獲取商品資訊。
應理解，自助結算設備中設置有掃描裝置，利用該掃描裝置掃描目標用戶選取的商品所攜帶的二維碼或條碼，以獲取商品資訊。
其中，所述商品資訊可以包括：商品類別、商品型號、商品單價、商品重量、商品尺寸、商品數量等資訊中的一種或多種組合。
步驟204：自助結算設備基於所述目標用戶發起的針對獲取的商品資訊的支付請求進行自助支付，並將所述目標用戶的結算資訊上傳給服務端設備，其中，所述結算資訊至少包括：支付資訊以及身份標識。
在獲取商品資訊後，自助結算設備可以基於目標用戶針對商品資訊對應的商品中的至少一件商品所發起的支付請求，實現自助支付。
一種可實現的方案，所述自助結算設備可以包括：自助收銀終端和支付終端；那麼，步驟202中自助結算設備通過掃描目標用戶選取的商品獲取商品資訊時，可具體包括：
自助收銀終端通過掃描目標用戶選取的商品獲取商品資訊。
換言之，自助收銀終端通過本終端設置的掃描裝置對商品的二維碼或條碼進行掃描，以獲取商品資訊。所述掃描裝置可以是與自助收銀終端連接的可移動掃碼槍或是固定在自助收銀終端本體上的掃碼設備。
相應地，步驟204中自助結算設備基於所述目標用戶發起的針對獲取的商品資訊的支付請求進行自助支付，並將所述目標用戶的結算資訊上傳給服務端設備時，可具體包括：
自助收銀終端基於所述目標用戶發起的針對獲取的商品資訊向支付終端發送支付請求；
支付終端基於所述支付請求進行自助支付，並向所述自助收銀終端返回所述目標用戶的結算資訊；
所述自助收銀終端將所述結算資訊上傳給服務端設備。
具體實現時，可以由目標用戶基於自助收銀終端上的商品資訊手動觸發結算操作，以在自助收銀終端上展示訂單資訊；在目標用戶確認並提交訂單資訊後，觸發自助收銀終端向目標用戶手持的支付終端發起支付請求，目標用戶可以通過手持的支付終端中的支付APP（例如，支付寶、電子銀行或是其它關聯支付APP）實現自助支付。之後，支付終端將結算資訊返回給自助收銀終端，並由自助收銀終端上傳給服務端設備。應理解，這裡可以實現的前提是，自助收銀終端向目標用戶手持的支付終端發起支付請求之前，可以通過目標用戶的輸入操作獲取支付終端的帳號資訊以可以與支付終端進行資訊互動。
或者，也可以由目標用戶基於自助收銀終端上的商品資訊手動觸發結算操作，以在自助收銀終端上展示訂單資訊；在目標用戶確認並提交訂單資訊後，觸發自助收銀終端向目標用戶手持的支付終端發起支付請求，該支付請求可以通過展示支付頁面來實現，這樣，目標用戶可以通過手持的支付終端中的支付APP（例如，支付寶、電子銀行或是其它關聯支付APP）掃描支付頁面以實現自助支付，或是，目標用戶可以通過展示的支付頁面選擇支付類型（例如，可以包括支付寶、電子銀行或是其它關聯支付APP等），在自助收銀終端跳轉至相應支付類型對應的支付用戶端後輸入帳號以及對應的支付密碼進行自助支付。之後，支付終端（手持的支付終端或是支付用戶端）將結算資訊返回給自助收銀終端，並由自助收銀終端上傳給服務端設備。其中，所述支付頁面可以展示有：二維碼、條碼、條碼編號等圖形和/或文字資訊。
另一種可實現的方案，所述自助結算設備包括：支付終端；
那麼，步驟202中自助結算設備通過掃描目標用戶選取的商品獲取商品資訊時，可具體包括：
支付終端通過掃描目標用戶選取的商品獲取商品資訊。
換言之，目標用戶手持的支付終端通過本終端設置的掃描裝置對商品的二維碼或條碼進行掃描，以獲取商品資訊。所述掃描裝置可以是以攝影鏡頭等硬體設備實現掃碼功能的內部裝置。例如可以利用各種支付APP的掃一掃功能來掃碼商品。
相應地，步驟204中自助結算設備基於所述目標用戶發起的針對獲取的商品資訊的支付請求進行自助支付，並將所述目標用戶的結算資訊上傳給服務端設備時，可具體包括：
目標用戶手持的支付終端基於所述目標用戶發起的針對獲取的商品資訊的支付請求進行自助支付，並將所述目標用戶的結算資訊上傳給服務端設備。
例如，目標用戶手持的支付終端可以通過支付寶中的掃一掃功能，對目標用戶選取的商品進行掃碼以獲取商品資訊；之後，可基於目標用戶針對獲取的商品資訊發起的支付請求進行自助結算支付，並將結算資訊上傳給服務端設備。這種自助支付方式的結算成本相對較低，且可以將結算操作分散至每個目標用戶上，在降低成本投入的情況下，可有效避免結算排隊的困擾，進一步提升結算體驗，同時還可以提升結算效率。
在本說明書實施例中，當完成自助支付後，自助結算設備可以獲取到基於目標用戶發起的支付請求所返回的支付資訊，所述支付資訊至少可以包括：已支付資訊；其中，已支付資訊中至少包括：已支付商品、已支付金額、已支付數量等資訊。其實，當目標用戶自助支付時餘額不足或是只對訂單資訊中部分商品進行自助支付時，所述支付資訊中還可能會包含未支付資訊等，其中，未支付資訊至少可以包括：未支付商品、未支付金額、未支付數量等資訊。
應理解，自助結算設備可以將目標用戶的結算資訊上傳給服務端設備，其中，所述結算資訊至少包括：支付資訊以及身份標識。所述身份標識是表徵目標用戶身份唯一性的標識，可以是目標用戶的姓名、代號或是證件號等。例如，所述結算資訊可以為：目標用戶A以及目標用戶A的支付資訊。
可選地，本說明書實施例所涉及的一種可實現的方案，所述身份標識基於所述目標用戶的支付資訊中的帳戶身份獲取。一般而言，目標用戶在進行自助支付時，可以基於目標用戶在自助支付時所使用的支付APP中帳戶身份，產生相應的支付資訊，即所述支付資訊中包含有目標用戶自助支付時所使用支付APP的帳戶身份，這樣，自助結算設備可以將獲取的支付資訊，以及基於支付資訊中提取的帳戶身份確定的身份標識，上傳給服務端設備進行處理。
可選地，本說明書實施例所涉及的另一種可實現的方案，所述身份標識基於所述自助結算設備採集的所述目標用戶的生物特徵資訊獲取。應理解，所述自助結算設備還可以包含有生物特徵採集裝置，具體可以包括：圖像採集裝置、聲紋採集裝置或指紋採集裝置等。例如，可以是具備面部採集功能和/或虹膜採集功能的攝影鏡頭、具備聲紋採集功能的聲學儀、具備指紋採集功能的指紋機等。相應地，自助結算設備在基於目標用戶選取的商品進行自助支付時，還可以通過本設備的生物特徵採集裝置，採集目標用戶的生物特徵資訊，所述生物特徵資訊可以包括：面部資訊、虹膜資訊、聲紋資訊或指紋資訊等。這樣，自助結算設備可以將獲取的支付資訊，以及基於採集的目標用戶的生物特徵資訊獲取的身份標識，上傳給服務端設備進行處理。
步驟206：當出口檢驗設備採集到所述目標用戶的生物特徵資訊後，將所述生物特徵資訊發送給所述服務端設備。
在目標用戶選購商品並進行自助支付後，可以通過出口檢驗設備離開購物場所。所述出口檢驗設備可以設置為具有一定長度的出口通道，在目標用戶進入該出口檢驗設備時，就可以通過出口檢驗設備中的生物特徵採集裝置，採集目標用戶的生物特徵資訊，並將該生物特徵資訊發送給服務端設備。
應理解，出口檢驗設備中的生物特徵採集裝置可以與自動結算設備中的生物特徵採集裝置相同或不同。或者都同時設置有多種類型的生物特徵採集裝置，例如，自助結算設備中設置有攝影鏡頭以及指紋儀，出口檢驗設備中設置有攝影鏡頭以及指紋儀，這樣，在攝影鏡頭採集的面部資訊或虹膜資訊不可靠的情況下，可以使用指紋儀採集目標用戶的指紋資訊。
步驟208：服務端設備基於所述生物特徵資訊確定所述目標用戶的支付資訊，並基於所述目標用戶的支付資訊，向所述出口檢驗設備返回所述目標用戶的自助結算結果。
可選地，步驟208中，服務端設備基於所述生物特徵資訊確定所述目標用戶的支付資訊時，可以具體執行為：
第一步，所述服務端設備基於所述生物特徵資訊確定所述目標用戶的身份標識。
考慮到大資料業務的普及，實名制的個人身份資訊在各個業務領域被廣泛推崇。因此，在服務端設備獲取到出口檢驗設備採集的生物特徵資訊後，可以快速從大資料系統中匹配出目標用戶的身份標識。可選地，為了保證目標用戶的個人資訊安全，本說明書實施例中所涉及的身份標識可以是一種機器識別語言，例如，一串預設長度的字串。
第二步，所述服務端設備基於所述目標用戶的身份標識確定相匹配的所述目標用戶的支付資訊。
服務端設備基於所述身份標識，從本機儲存區的結算資訊中，查找與所述身份標識匹配的支付資訊。應理解，此時查找到的支付資訊，可以是一個結算資訊中的支付資訊，也可以是多個結算資訊中的多個支付資訊的總和（即自助結算設備基於目標用戶的多次自助支付而上傳了多個結算資訊）。
可選地，步驟208中，服務端設備基於所述目標用戶的支付資訊，向所述出口檢驗設備返回所述目標用戶的自助結算結果，具體可以包括：
所述服務端設備基於所述目標用戶的支付資訊，確定所述目標用戶是否完成自助結算，並向所述出口檢驗設備返回所述目標用戶的自助結算結果。
在本說明書實施例中，所述服務端設備基於所述目標用戶的支付資訊，確定所述目標用戶是否完成自助結算，具體可以通過以下三種方式實現，下面分別介紹。
方式一：
所述服務端設備基於所述目標用戶的支付資訊，確定所述目標用戶是否完成自助結算，包括：
如果所述目標用戶的支付資訊中存在未支付資訊，則確定所述目標用戶未完成自助結算；
如果所述目標用戶的支付資訊中不存在未支付資訊，則確定所述目標用戶完成自助結算。
這樣，服務端設備可以根據目標用戶的支付資訊中是否存在未支付資訊，確定目標用戶是否完成自助結算，該方式可以較為直接、快速的實現對目標用戶是否完成自助結算的確定，減少結算逃單機率，提升結算效率。
方式二：
所述結算資訊還包括：所述目標用戶選取的商品的商品資訊。
所述服務端設備基於所述目標用戶的身份標識確定相匹配的所述目標用戶的支付資訊，包括：
所述服務端設備基於所述目標用戶的身份標識確定相匹配的所述目標用戶的支付資訊以及所述目標用戶的商品資訊。
所述服務端設備基於所述目標用戶的支付資訊，確定所述目標用戶是否完成自助結算，包括：
所述服務端設備基於所述目標用戶的商品資訊，對所述目標用戶的支付資訊進行核驗，並基於核驗結果確定所述目標用戶是否完成自助結算。
所述服務端設備基於所述目標用戶的商品資訊，對所述目標用戶的支付資訊進行核驗，並基於核驗結果確定所述目標用戶是否完成自助結算，包括：
所述服務端設備基於所述目標用戶的商品資訊中商品數量以及商品單價，計算所述目標用戶選取商品的支付金額；
所述服務端設備基於所述支付金額對所述目標用戶的支付資訊中已支付資訊進行核驗；
如果核驗通過，則確定所述目標用戶完成自助結算；
否則，確定所述目標用戶未完成自助結算。
這樣，服務端設備可以根據目標用戶的商品資訊計算目標用戶選取商品的支付金額，並根據支付金額與支付資訊中已支付資訊所涉及的支付金額是否相符來確定目標用戶是否完成自助結算，該方式二結合了目標用戶選取商品的商品資訊來對支付資訊中已支付資訊進行核驗，可以更為準確的確定目標用戶是否存在結算逃單，提升結算效率。
需要說明的是，在上述方式一和方式二中，所涉及的目標用戶的支付資訊以及目標用戶的商品資訊，都可以理解為目標用戶在本次購物所產生的本次結算資訊，以區別下述方式三中的歷史結算資訊。
方式三：
所述結算資訊還包括：所述目標用戶選取的商品的商品資訊。
基於所述目標用戶的身份標識確定相匹配的所述目標用戶的支付資訊，包括：
所述服務端設備基於所述目標用戶的身份標識確定相匹配的所述目標用戶的支付資訊、所述目標用戶的商品資訊以及所述目標用戶的歷史結算資訊。
所述歷史結算資訊至少包括以下資訊之一或組合：
從本機服務端設備獲取的所述目標用戶的歷史支付資訊、歷史自助結算結果；從對應其它購物場所的其它服務端設備獲取的所述目標用戶的歷史支付資訊、歷史自助結算結果；從第三方信用評估機構獲取的所述目標用戶的信用等級資訊。
其中，所述第三方信用評估機構可以是銀行、支付寶、或其它可以獲得信用等級的APP。例如，信用等級資訊可以為從銀行獲取的個人信用等級，從支付寶獲取的花唄等級（具體可以是花唄額度）、借唄等級（具體可以是借唄額度）、螞蟻等級（具體可以是螞蟻積分）等。
所述服務端設備基於所述目標用戶的支付資訊，確定所述目標用戶是否完成自助結算，包括：
第一步，所述服務端設備基於所述目標用戶的支付資訊、所述目標用戶的商品資訊以及所述目標用戶的歷史結算資訊，確定所述目標用戶的結算指數，所述結算指數用於評估所述目標用戶執行自助結算行為的機率；
具體實現時，所述服務端設備可以基於所述目標用戶的支付資訊、所述目標用戶的商品資訊以及所述目標用戶的歷史結算資訊，分別提取表徵在本地購物場所結算水準的第一結算資料、表徵在其它購物場所結算水準的第二結算資料以及表徵在第三方信用評估機構授予信用等級的信用資料；所述服務端設備將所述第一結算資料、所述第二結算資料以及所述信用資料，輸入預設結算指數模型，得到所述目標用戶的結算指數。
應理解，本說明書所涉及的預設結算指數模型可以是線性加權平均模型，例如，該線性加權平均模型中，第一結算資料對應第一權重因子，第二結算資料對應第二權重因子，信用資料對應第三權重因子。其中，可以根據歷史結算資料對模型進行調試，以確定第一權重因子、第二權重因子和第三權重因子各自的取值。其實，所述預設結算指數模型還可以基於人工智慧技術、機器學習演算法、深度學習演算法等方式類比訓練得到，本說明書實施例並不對此進行限定。
第二步，所述服務端設備基於所述結算指數，確定所述目標用戶是否完成自助結算。
具體實現時，所述服務端設備可以將所述結算指數與預設臨限值進行比對；
如果所述結算指數大於等於所述預設臨限值，則確定所述目標用戶完成自助結算；
否則，確定所述目標用戶未完成自助結算。
其中，預設臨限值可以是基於歷史結算資訊或是對多個時段內本地購物場所的逃單機率所得到的經驗值。
步驟210：所述出口檢驗設備基於所述自助結算結果確定是否對所述目標用戶放行。
通過本說明書實施例的技術方案，採用自助結算設備對目標用戶選取的商品進行自助結算，並由自助結算設備將結算資訊上傳給服務端設備，以便於目標用戶完成購物後，基於出口檢驗設備採集的目標用戶的生物特徵資訊，從本機儲存區的結算資訊中匹配出支付資訊，然後基於所述支付資訊確定目標用戶是否完成自助結算，出口檢驗設備基於自助結算結果確定是否對目標用戶放行。從而，在投入成本大致相同的情況下，可以基於佈設的自助結算設備減少甚至避免排隊結算，提升用戶的結算體驗和結算速度。而且，還可以通過出口檢驗設備以及服務端設備的協同處理，減少用戶結算逃單的情況。由此，從整體上提升結算效率。
可選地，本說明書實施例的一種可實現方式，所述出口檢驗設備中設置有攔截設備，那麼，所述出口檢驗設備基於所述自助結算結果確定是否對所述目標用戶放行，可以具體執行為：
如果所述目標用戶完成自助結算，則所述出口檢驗設備控制打開攔截設備以對所述目標用戶放行；否則，所述出口檢驗設備控制所述攔截設備保持關閉以對所述目標用戶攔截。該方式中的攔截設備可以理解為自動閘門或是自動閘機，出口檢驗設備可以根據自主結算結果靈活控制攔截設備保持關閉或是打開，從而，實現對未完成自助結算的目標用戶的自動攔截。應理解，所述攔截設備在一般情況下預設處於關閉狀態。
可選地，本說明書實施例的另一種可實現方式，所述出口檢驗設備可以理解為暢通的通道，那麼，所述出口檢驗設備基於所述自助結算結果確定是否對所述目標用戶放行，可以具體執行為：
如果所述目標用戶完成自助結算，則所述出口檢驗設備不作處理以對所述目標用戶放行；否則，所述出口檢驗設備向警報設備發送攔截提醒，以對所述目標用戶攔截。該方式中的警報設備可以設置在出口檢驗設備上，例如該警報設備可以是警報器，在出口檢驗設備發出攔截提醒後，警報器可以播放警報提示音，以提醒工作人員對此時通行的目標用戶進行攔截；或者，警報設備可以為工作人員的手持終端，在出口檢驗設備發出攔截提醒後，手持終端可以提醒工作人員對此時通行的目標用戶進行攔截。從而，通過發送攔截提醒的方式，實現對未完成自助結算的目標用戶的人工攔截。
可選地，在本說明書實施例中，為了進一步減少逃單情況，還可以通過對目標用戶進入購物場所以及離開購物場所時的測重對目標用戶進行結算核驗。此時，所述結算資訊還包括：入口檢驗設備採集的所述目標用戶的第一重量，以及所述出口設備採集的攜帶有商品的所述目標用戶的第二重量。
參照圖2b所示，所述方法還包括：
步驟212：所述服務端設備基於所述生物特徵資訊確定所述目標用戶的商品資訊以及第一重量、第二重量。
步驟214：所述服務端設備基於所述目標用戶的商品資訊以及第一重量、第二重量，確定是否對所述目標用戶進行結算核驗。
可選地，步驟214中，所述服務端設備基於所述目標用戶的商品資訊以及第一重量、第二重量，確定是否對所述目標用戶進行結算核驗時，可以具體執行為：
所述服務端設備基於所述目標用戶的商品資訊中商品數量和單個商品重量，確定所述目標用戶選取的商品的總重量；如果所述目標用戶的第一重量與第二重量之差的絕對值大於所述目標用戶選取的商品的總重量，則對所述目標用戶進行結算核驗；否則，不作處理。
應理解，在本說明書實施例中，考慮到在對目標用戶進行結算核驗時，可能需要人工參與來實現。因此，所述服務端設備在確定對所述目標用戶進行結算核驗後，可以向核驗人員的手持終端發送核驗提醒，所述核驗提醒可以包含：目標用戶離開購物場所時所通過的出口檢驗設備的標識。核驗人員可以根據接收到的核驗提醒，對由相應出口檢驗設備離開的目標用戶進行結算核驗。
可選地，本說明書實施例中，在所述服務端設備向所述出口檢驗設備返回所述目標用戶的自助結算結果之後，所述方法還包括：
所述服務端設備將本地所述目標用戶的支付資訊和自助結算結果分別標記為歷史支付資訊和歷史自助結算結果。從而，在服務端設備中區分同一目標用戶在不同購物期間所產生的支付資訊和自助結算結果。
下面通過具體的實施例對本說明書所涉及的線下自助結算方案進行詳述。
參照圖3a所示，以顧客A（即相當於目標用戶）在超市購物為例，顧客A手持的支付終端可以為手機A’，該超市的多個場所分散式設置有多台自助收銀台B，以便於顧客A可以隨時隨地進行自助結算。該線下自助結算流程中還涉及到本地後台伺服器C、人臉識別門D、其它超市的後台伺服器E、第三方評估機構F以及抽檢人員G。所述線下自助結算流程可以包括：
步驟302a：自助收銀台B基於顧客A發起的商品掃碼請求對選取的商品進行掃碼。
在掃碼完成後，自助收銀台B可以獲取被掃碼的商品的商品資訊。其實，在掃碼的同時，自助收銀台B還可以採集顧客A的面部圖像，通過人臉識別獲取顧客A的身份資訊。
步驟304a：手機A’基於自助收銀台B發送的支付請求進行自助支付。
具體實現時，自助收銀台B可以基於顧客A針對掃碼的商品中的部分或全部商品發起支付請求，結合商品資訊中的商品單價以及商品數量確定支付金額，並向顧客A展示基於支付金額產生的付款碼。顧客A通過手機A’中支付寶掃描付款碼以完成自助支付，並產生相應支付資訊。
步驟306a：手機A’將支付資訊發送給自助收銀台B。
步驟308a：自助收銀台B將商品資訊、身份資訊以及支付資訊發送給本地後台伺服器C。
該步驟中，自助收銀台B可以將商品資訊、身份資訊以及支付資訊作為結算資訊，一起發送給本地後台伺服器C進行儲存。
步驟310a：在顧客A經過人臉識別門D將要離開時，人臉識別門D進行面部識別。
步驟312a：人臉識別門D將識別到的面部資訊發送給本地後台伺服器C，並發起結算指數評估請求。
步驟314a：本地後台伺服器C從第三方評估機構F獲取顧客A的信用等級。
具體地，可以分別獲取花唄額度、借唄額度、螞蟻積分等，然後基於不同的權重比例計算得到顧客A的信用等級。也可以基於其中之一確定顧客A的信用等級。
步驟316a：本地後台伺服器C從其它超市的後台伺服器E獲取顧客A的歷史結算資訊。
步驟318a：本地後台伺服器C從本地獲取顧客A本次支付資訊、歷史支付資訊以及歷史自助結算結果。
應理解，在本說明書實施例中，步驟314a、步驟316a以及步驟318a的執行順序不作限定。
步驟320a：本地後台伺服器C基於從第三方評估機構F獲取的信用等級、從其它超市的後台伺服器E獲取的歷史結算資訊，以及從本地獲取的本次支付資訊、歷史支付資訊以及歷史自助結算結果，計算目標用戶的結算指數。
步驟322a：本地後台伺服器C根據所述結算指數確定目標用戶是否完成自助結算，並將自助結算結果返回給抽檢人員G。
其實，本地後台伺服器C將自助結算結果返回給核驗人員G的手持終端。應理解，這裡的人臉識別門D與抽檢人員G的手持終端可以視為本說明書中的出口檢驗設備。所述手持終端中安裝有警報設備。
步驟324a：抽檢人員G根據手持終端中警報設備是否發出警報提醒，對目標用戶進行人工攔截。
具體地，攔截後抽檢人員G需要對目標用戶進行結算檢查，從而通過抽檢的方式進行人工檢查，有效減少結算逃單。
參照圖3b所示，以顧客A（即相當於目標用戶）在超市購物為例，顧客A手持的支付終端可以為手機A’，顧客A可以借助手機A’隨時隨地進行自助結算。該線下自助結算流程中還涉及到本地後台伺服器C、人臉識別門D、其它超市的後台伺服器E、第三方評估機構F以及抽檢人員G。所述線下自助結算流程可以包括：
步驟302b：手機A’基於顧客A發起的商品掃碼請求對選取的商品進行掃碼，並進行自助支付。
具體實現時，可以通過手機A’中顧客A的支付寶用戶端對商品進行掃碼，以獲取商品資訊。在掃碼完成後，手機A’可以基於顧客A針對掃碼的商品中的部分或全部商品發起支付請求進行自助支付，並產生相應支付資訊。
步驟304b：手機A’將商品資訊、身份資訊以及支付資訊發送給本地後台伺服器C。
該步驟中，手機A’可以將商品資訊、身份資訊以及支付資訊作為結算資訊，一起發送給本地後台伺服器C進行儲存。
步驟306b：在顧客A經過人臉識別門D將要離開時，人臉識別門D進行面部識別。
步驟308b：人臉識別門D將識別到的面部資訊發送給本地後台伺服器C，並發起結算指數評估請求。
步驟310b：本地後台伺服器C從第三方評估機構F獲取顧客A的信用等級。
具體地，可以分別獲取花唄額度、借唄額度、螞蟻積分等，然後基於不同的權重比例計算得到顧客A的信用等級。也可以基於其中之一確定顧客A的信用等級。
步驟312b：本地後台伺服器C從其它超市的後台伺服器E獲取顧客A的歷史結算資訊。
步驟314b：本地後台伺服器C從本地獲取顧客A本次支付資訊、歷史支付資訊以及歷史自助結算結果。
應理解，在本說明書實施例中，步驟310b、步驟312b以及步驟314b的執行順序不作限定。
步驟316b：本地後台伺服器C基於從第三方評估機構F獲取的信用等級、從其它超市的後台伺服器E獲取的歷史結算資訊，以及從本地獲取的本次支付資訊、歷史支付資訊以及歷史自助結算結果，計算目標用戶的結算指數。
步驟318b：本地後台伺服器C根據所述結算指數確定目標用戶是否完成自助結算，並將自助結算結果返回給抽檢人員G。
其實，本地後台伺服器C將自助結算結果返回給核驗人員G的手持終端。應理解，這裡的人臉識別門D與抽檢人員G的手持終端可以視為本說明書中的出口檢驗設備。所述手持終端中安裝有警報設備。
步驟320b：抽檢人員G根據手持終端中警報設備是否發出警報提醒，對目標用戶進行人工攔截。
具體地，攔截後抽檢人員G需要對目標用戶進行結算檢查，從而通過抽檢的方式進行人工檢查，有效減少結算逃單。
實施例二
參照圖4所示，為本說明書實施例提供的線下自助結算方法的步驟示意圖，該方法的執行主體是線下自助結算裝置，具體可以是服務端設備，該服務端設備可以是例如：電腦、智慧手機、其它智慧手持終端等。所述線下自助結算方法可以包括：
步驟402：服務端設備接收目標用戶的結算資訊；其中，所述結算資訊是自助結算設備基於所述目標用戶發起的支付請求進行自助支付得到，所述支付請求是針對自助結算設備通過掃描目標用戶選取的商品獲取的商品資訊發起，所述結算資訊至少包括：支付資訊以及身份標識。
步驟404：所述服務端設備基於出口檢驗設備採集到的所述目標用戶的生物特徵資訊確定所述目標用戶的支付資訊，並基於所述目標用戶的支付資訊，向所述出口檢驗設備返回所述目標用戶的自助結算結果；其中，所述自助結算結果用於指示所述出口檢驗設備是否對所述目標用戶放行。
應理解，在本說明書實施例中，所述服務端設備還可以執行實施例一所涉及的可選方案，在此不做贅述。
參照圖5所示，為本說明書實施例提供的線下自助結算方法的步驟示意圖，該方法的執行主體是線下自助結算裝置，具體可以是出口檢驗設備，該出口檢驗設備可以是門狀設備或是通道閘口設備，並設置有生物特徵資訊採集裝置。所述線下自助結算方法可以包括：
步驟502：當出口檢驗設備採集到目標用戶的生物特徵資訊後，將所述生物特徵資訊發送給服務端設備；其中，所述生物特徵資訊用於所述服務端設備確定所述目標用戶的支付資訊，並基於所述目標用戶的支付資訊，向所述出口檢驗設備返回所述目標用戶的自助結算結果。
步驟504：所述出口檢驗設備基於所述自助結算結果確定是否對所述目標用戶放行。
應理解，在本說明書實施例中，所述出口檢驗設備還可以執行實施例一所涉及的可選方案，在此不做贅述。
通過本說明書實施例的技術方案，採用自助結算設備對目標用戶選取的商品進行自助結算，並由自助結算設備將結算資訊上傳給服務端設備，以便於目標用戶完成購物後，基於出口檢驗設備採集的目標用戶的生物特徵資訊，從本機儲存區的結算資訊中匹配出支付資訊，然後基於所述支付資訊確定目標用戶是否完成自助結算，出口檢驗設備基於自助結算結果確定是否對目標用戶放行。從而，在投入成本大致相同的情況下，可以基於佈設的自助結算設備減少甚至避免排隊結算，提升用戶的結算體驗和結算速度。而且，還可以通過出口檢驗設備以及服務端設備的協同處理，減少用戶結算逃單的情況。由此，從整體上提升結算效率。
實施例三
圖6是本說明書的一個實施例電子設備的結構示意圖。請參考圖6，在硬體層面，該電子設備包括處理器，可選地還包括內部匯流排、網路介面、記憶體。其中，記憶體可能包含記憶體，例如高速隨機存取記憶體(Random-Access Memory，RAM)，也可能還包括非揮發性記憶體（non-volatile memory），例如至少1個磁碟記憶體等。當然，該電子設備還可能包括其他業務所需要的硬體。
處理器、網路介面和記憶體可以通過內部匯流排相互連接，該內部匯流排可以是ISA(Industry Standard Architecture，工業標準架構）匯流排、PCI(Peripheral Component Interconnect，外設部件互連標準)匯流排或EISA(Extended Industry Standard Architecture，延伸工業標準架構）匯流排等。所述匯流排可以分為位址匯流排、資料匯流排、控制匯流排等。為便於表示，圖6中僅用一個雙向箭頭表示，但並不表示僅有一根匯流排或一種類型的匯流排。
記憶體，用於儲存程式。具體地，程式可以包括程式碼，所述程式碼包括電腦操作指令。記憶體可以包括記憶體和非揮發性記憶體，並向處理器提供指令和資料。
處理器從非揮發性記憶體中讀取對應的電腦程式到記憶體中然後運行，在邏輯層面上形成共用資源存取控制裝置。處理器，執行記憶體所儲存的程式，並具體用於執行以下操作：
接收目標用戶的結算資訊；其中，所述結算資訊是自助結算設備基於所述目標用戶發起的支付請求進行自助支付得到，所述支付請求是針對自助結算設備通過掃描目標用戶選取的商品獲取的商品資訊發起，所述結算資訊至少包括：支付資訊以及身份標識；
基於出口檢驗設備採集到的所述目標用戶的生物特徵資訊確定所述目標用戶的支付資訊，並基於所述目標用戶的支付資訊，向所述出口檢驗設備返回所述目標用戶的自助結算結果；其中，所述自助結算結果用於指示所述出口檢驗設備是否對所述目標用戶放行。
或者，執行以下操作：
當採集到目標用戶的生物特徵資訊後，將所述生物特徵資訊發送給服務端設備；其中，所述生物特徵資訊用於所述服務端設備確定所述目標用戶的支付資訊，並基於所述目標用戶的支付資訊，向所述出口檢驗設備返回所述目標用戶的自助結算結果；
基於所述自助結算結果確定是否對所述目標用戶放行。
上述如本說明書圖2a-圖5所示實施例揭示的線下自助結算裝置執行的方法可以應用於處理器中，或者由處理器實現。處理器可能是一種積體電路晶片，具有信號的處理能力。在實現過程中，上述方法的各步驟可以通過處理器中的硬體的集成邏輯電路或者軟體形式的指令完成。上述的處理器可以是通用處理器，包括中央處理器（Central Processing Unit，CPU）、網路處理器（Network Processor，NP）等；還可以是數位信號處理器（Digital Signal Processor，DSP）、專用積體電路（Application Specific Integrated Circuit，ASIC）、現場可程式設計閘陣列（Field－Programmable Gate Array，FPGA）或者其他可程式設計邏輯裝置、分立門或者電晶體邏輯裝置、分立硬體元件。可以實現或者執行本說明書實施例中公開的各方法、步驟及邏輯框圖。通用處理器可以是微處理器或者該處理器也可以是任何常規的處理器等。結合本說明書實施例所公開的方法的步驟可以直接體現為硬體解碼處理器執行完成，或者用解碼處理器中的硬體及軟體模組組合執行完成。軟體模組可以位於隨機記憶體，快閃記憶體、唯讀記憶體，可程式設計唯讀記憶體或者電可讀寫可程式設計記憶體、暫存器等本領域成熟的儲存媒體中。該儲存媒體位於記憶體，處理器讀取記憶體中的資訊，結合其硬體完成上述方法的步驟。
該電子設備還可執行圖2a的方法，並實現線下自助結算裝置在圖2a-圖5所示實施例的功能，本說明書實施例在此不再贅述。
當然，除了軟體實現方式之外，本說明書實施例的電子設備並不排除其他實現方式，比如邏輯裝置抑或軟硬體結合的方式等等，也就是說以下處理流程的執行主體並不限定於各個邏輯單元，也可以是硬體或邏輯裝置。
通過本說明書實施例的技術方案，採用自助結算設備對目標用戶選取的商品進行自助結算，並由自助結算設備將結算資訊上傳給服務端設備，以便於目標用戶完成購物後，基於出口檢驗設備採集的目標用戶的生物特徵資訊，從本機儲存區的結算資訊中匹配出支付資訊，然後基於所述支付資訊確定目標用戶是否完成自助結算，出口檢驗設備基於自助結算結果確定是否對目標用戶放行。從而，在投入成本大致相同的情況下，可以基於佈設的自助結算設備減少甚至避免排隊結算，提升用戶的結算體驗和結算速度。而且，還可以通過出口檢驗設備以及服務端設備的協同處理，減少用戶結算逃單的情況。由此，從整體上提升結算效率。
實施例四
本說明書實施例還提出了一種電腦可讀儲存媒體，該電腦可讀儲存媒體儲存一個或多個程式，該一個或多個程式包括指令，該指令當被包括多個應用程式的可擕式電子設備執行時，能夠使該可擕式電子設備執行圖2a所示實施例的方法，並具體用於執行以下方法：
接收目標用戶的結算資訊；其中，所述結算資訊是自助結算設備基於所述目標用戶發起的支付請求進行自助支付得到，所述支付請求是針對自助結算設備通過掃描目標用戶選取的商品獲取的商品資訊發起，所述結算資訊至少包括：支付資訊以及身份標識；
基於出口檢驗設備採集到的所述目標用戶的生物特徵資訊確定所述目標用戶的支付資訊，並基於所述目標用戶的支付資訊，向所述出口檢驗設備返回所述目標用戶的自助結算結果；其中，所述自助結算結果用於指示所述出口檢驗設備是否對所述目標用戶放行。
或者，執行以下操作：
當採集到目標用戶的生物特徵資訊後，將所述生物特徵資訊發送給服務端設備；其中，所述生物特徵資訊用於所述服務端設備確定所述目標用戶的支付資訊，並基於所述目標用戶的支付資訊，向所述出口檢驗設備返回所述目標用戶的自助結算結果；
基於所述自助結算結果確定是否對所述目標用戶放行。
通過本說明書實施例的技術方案，採用自助結算設備對目標用戶選取的商品進行自助結算，並由自助結算設備將結算資訊上傳給服務端設備，以便於目標用戶完成購物後，基於出口檢驗設備採集的目標用戶的生物特徵資訊，從本機儲存區的結算資訊中匹配出支付資訊，然後基於所述支付資訊確定目標用戶是否完成自助結算，出口檢驗設備基於自助結算結果確定是否對目標用戶放行。從而，在投入成本大致相同的情況下，可以基於佈設的自助結算設備減少甚至避免排隊結算，提升用戶的結算體驗和結算速度。而且，還可以通過出口檢驗設備以及服務端設備的協同處理，減少用戶結算逃單的情況。由此，從整體上提升結算效率。
實施例五
參照圖1a所示，為本說明書實施例提供的線下自助結算系統的結構示意圖，該系統可以包括：自助結算設備102、服務端設備104以及出口檢驗設備106；其中，
所述自助結算設備102通過掃描目標用戶選取的商品獲取商品資訊；以及，基於所述目標用戶發起的針對獲取的商品資訊的支付請求進行自助支付，並將所述目標用戶的結算資訊上傳給服務端設備，其中，所述結算資訊至少包括：支付資訊以及身份標識；
所述出口檢驗設備106採集到所述目標用戶的生物特徵資訊後，將所述生物特徵資訊發送給所述服務端設備；
所述服務端設備104基於所述生物特徵資訊確定所述目標用戶的支付資訊，並基於所述目標用戶的支付資訊，向所述出口檢驗設備返回所述目標用戶的自助結算結果；
所述出口檢驗設備106基於所述自助結算結果確定是否對所述目標用戶放行。
可選地，所述自助結算設備102包括：自助收銀終端和支付終端；
所述自助收銀終端，可用於通過掃描目標用戶選取的商品獲取商品資訊；以及，基於所述目標用戶發起的針對獲取的商品資訊向支付終端發送支付請求；
所述支付終端，可用於基於所述支付請求進行自助支付，並向所述自助收銀終端返回所述目標用戶的結算資訊；
所述自助收銀終端，還用於將所述結算資訊上傳給服務端設備。
可選地，所述自助結算設備102包括：支付終端；
所述支付終端，可用於：通過掃描目標用戶選取的商品獲取商品資訊；以及，基於所述目標用戶發起的針對獲取的商品資訊的支付請求進行自助支付，並將所述目標用戶的結算資訊上傳給服務端設備。
圖7為本說明書的一個實施例提供的線下自助結算裝置700的結構示意圖。請參考圖7，在一種軟體實施方式中，線下自助結算裝置700可包括：
接收模組702，接收目標用戶的結算資訊；其中，所述結算資訊是自助結算設備基於所述目標用戶發起的支付請求進行自助支付得到，所述支付請求是針對自助結算設備通過掃描目標用戶選取的商品獲取的商品資訊發起，所述結算資訊至少包括：支付資訊以及身份標識；
處理模組704，基於出口檢驗設備採集到的所述目標用戶的生物特徵資訊確定所述目標用戶的支付資訊，並基於所述目標用戶的支付資訊，向所述出口檢驗設備返回所述目標用戶的自助結算結果；其中，所述自助結算結果用於指示所述出口檢驗設備是否對所述目標用戶放行。
圖8為本說明書的一個實施例提供的線下自助結算裝置800的結構示意圖。請參考圖8，在一種軟體實施方式中，線下自助結算裝置800可包括：
發送模組802，當採集到目標用戶的生物特徵資訊後，將所述生物特徵資訊發送給服務端設備；其中，所述生物特徵資訊用於所述服務端設備確定所述目標用戶的支付資訊，並基於所述目標用戶的支付資訊，向所述出口檢驗設備返回所述目標用戶的自助結算結果；
處理模組804，基於所述自助結算結果確定是否對所述目標用戶放行。
通過本說明書實施例的技術方案，採用自助結算設備對目標用戶選取的商品進行自助結算，並由自助結算設備將結算資訊上傳給服務端設備，以便於目標用戶完成購物後，基於出口檢驗設備採集的目標用戶的生物特徵資訊，從本機儲存區的結算資訊中匹配出支付資訊，然後基於所述支付資訊確定目標用戶是否完成自助結算，出口檢驗設備基於自助結算結果確定是否對目標用戶放行。從而，在投入成本大致相同的情況下，可以基於佈設的自助結算設備減少甚至避免排隊結算，提升用戶的結算體驗和結算速度。而且，還可以通過出口檢驗設備以及服務端設備的協同處理，減少用戶結算逃單的情況。由此，從整體上提升結算效率。
可選地，作為一個實施例，所述身份標識基於所述目標用戶的支付資訊中的帳戶身份獲取。具體地，該身份標識可以由線下自助結算裝置700的接收模組702從支付資訊中獲取。
可選地，作為另一個實施例，所述身份標識基於所述自助結算設備採集的所述目標用戶的生物特徵資訊獲取。具體地，該身份標識可以由線下自助結算裝置700的接收模組702從連接的生物特徵資訊採集裝置中獲取。
在本說明書實施例的一種具體實現方式中，所述線下自助結算裝置700的處理模組704基於所述生物特徵資訊確定所述目標用戶的支付資訊時，具體用於：
基於所述生物特徵資訊確定所述目標用戶的身份標識；
基於所述目標用戶的身份標識確定相匹配的所述目標用戶的支付資訊。
在本說明書實施例的一種具體實現方式中，所述線下自助結算裝置700的處理模組704基於所述目標用戶的支付資訊，向所述出口檢驗設備返回所述目標用戶的自助結算結果時，具體用於：
基於所述目標用戶的支付資訊，確定所述目標用戶是否完成自助結算，並向所述出口檢驗設備返回所述目標用戶的自助結算結果。
在本說明書實施例的一種具體實現方式中，所述線下自助結算裝置700的處理模組704基於所述目標用戶的支付資訊，確定所述目標用戶是否完成自助結算時，可具體用於：
如果所述目標用戶的支付資訊中存在未支付資訊，則確定所述目標用戶未完成自助結算；如果所述目標用戶的支付資訊中不存在未支付資訊，則確定所述目標用戶完成自助結算。
在本說明書實施例的一種具體實現方式中，所述結算資訊還包括：所述目標用戶選取的商品的商品資訊；
所述線下自助結算裝置700的處理模組704基於所述目標用戶的身份標識確定相匹配的所述目標用戶的支付資訊時，可具體用於：
基於所述目標用戶的身份標識確定相匹配的所述目標用戶的支付資訊以及所述目標用戶的商品資訊。以及，
所述線下自助結算裝置700的處理模組704基於所述目標用戶的支付資訊，確定所述目標用戶是否完成自助結算時，可具體用於：
基於所述目標用戶的商品資訊，對所述目標用戶的支付資訊進行核驗，並基於核驗結果確定所述目標用戶是否完成自助結算。
在本說明書實施例的一種具體實現方式中，所述線下自助結算裝置700的處理模組704基於所述目標用戶的商品資訊，對所述目標用戶的支付資訊進行核驗，並基於核驗結果確定所述目標用戶是否完成自助結算時，可具體用於：
基於所述目標用戶的商品資訊中商品數量以及商品單價，計算所述目標用戶選取商品的支付金額；基於所述支付金額對所述目標用戶的支付資訊中已支付資訊進行核驗；如果核驗通過，則確定所述目標用戶完成自助結算；否則，確定所述目標用戶未完成自助結算。
在本說明書實施例的一種具體實現方式中，所述結算資訊還包括：所述目標用戶選取的商品的商品資訊；
所述線下自助結算裝置700的處理模組704基於所述目標用戶的身份標識確定相匹配的所述目標用戶的支付資訊時，具體用於：
基於所述目標用戶的身份標識確定相匹配的所述目標用戶的支付資訊、所述目標用戶的商品資訊以及所述目標用戶的歷史結算資訊。以及，
所述線下自助結算裝置700的處理模組704基於所述目標用戶的支付資訊，確定所述目標用戶是否完成自助結算時，可具體用於：
基於所述目標用戶的支付資訊、所述目標用戶的商品資訊以及所述目標用戶的歷史結算資訊，確定所述目標用戶的結算指數，所述結算指數用於評估所述目標用戶執行自助結算行為的機率；所述服務端設備基於所述結算指數，確定所述目標用戶是否完成自助結算。
在本說明書實施例的一種具體實現方式中，所述歷史結算資訊至少包括以下資訊之一或組合：
從本機服務端設備獲取的所述目標用戶的歷史支付資訊、歷史自助結算結果；
從對應其它購物場所的其它服務端設備獲取的所述目標用戶的歷史支付資訊、歷史自助結算結果；
從第三方信用評估機構獲取的所述目標用戶的信用等級資訊。
在本說明書實施例的一種具體實現方式中，所述線下自助結算裝置700的處理模組704基於所述目標用戶的支付資訊、所述目標用戶的商品資訊以及所述目標用戶的歷史結算資訊，確定所述目標用戶的結算指數時，可具體用於：
基於所述目標用戶的支付資訊、所述目標用戶的商品資訊以及所述目標用戶的歷史結算資訊，分別提取表徵在本地購物場所結算水準的第一結算資料、表徵在其它購物場所結算水準的第二結算資料以及表徵在第三方信用評估機構授予信用等級的信用資料；將所述第一結算資料、所述第二結算資料以及所述信用資料，輸入預設結算指數模型，得到所述目標用戶的結算指數。
在本說明書實施例的一種具體實現方式中，所述線下自助結算裝置700的處理模組704基於所述結算指數，確定所述目標用戶是否完成自助結算時，可具體用於：
將所述結算指數與預設臨限值進行比對；如果所述結算指數大於等於所述預設臨限值，則確定所述目標用戶完成自助結算；否則，確定所述目標用戶未完成自助結算。
在本說明書實施例的一種具體實現方式中，所述線下自助結算裝置800的處理模組804基於所述自助結算結果確定是否對所述目標用戶放行時，可具體用於：
如果所述目標用戶完成自助結算，則控制打開攔截設備以對所述目標用戶放行；否則，控制所述攔截設備保持關閉以對所述目標用戶攔截。
在本說明書實施例的一種具體實現方式中，所述線下自助結算裝置800的處理模組804基於所述自助結算結果確定是否對所述目標用戶放行時，可具體用於：
如果所述目標用戶完成自助結算，則不作處理以對所述目標用戶放行；否則，向警報設備發送攔截提醒，以對所述目標用戶攔截。
在本說明書實施例的一種具體實現方式中，所述結算資訊還包括：入口檢驗設備採集的所述目標用戶的第一重量，以及所述出口設備採集的攜帶有商品的所述目標用戶的第二重量；
所述線下自助結算裝置700的處理模組704還用於：
基於所述生物特徵資訊確定所述目標用戶的商品資訊以及第一重量、第二重量；基於所述目標用戶的商品資訊以及第一重量、第二重量，確定是否對所述目標用戶進行結算核驗。
在本說明書實施例的一種具體實現方式中，所述線下自助結算裝置700的處理模組704基於所述目標用戶的商品資訊以及第一重量、第二重量，確定是否對所述目標用戶進行結算核驗時，可具體用於：
基於所述目標用戶的商品資訊中商品數量和單個商品重量，確定所述目標用戶選取的商品的總重量；如果所述目標用戶的第一重量與第二重量之差的絕對值大於所述目標用戶選取的商品的總重量，則對所述目標用戶進行結算核驗；否則，不作處理。
在本說明書實施例的一種具體實現方式中，所述線下自助結算裝置700還可以包括：標記模組，所述標記模組用於在處理模組704向所述出口檢驗設備返回所述目標用戶的自助結算結果之後，將本地所述目標用戶的支付資訊和自助結算結果分別標記為歷史支付資訊和歷史自助結算結果。
應理解，本說明書實施例的線下自助結算裝置還可執行圖2a-圖5中的方法，並實現線下自助結算裝置（或設備）在圖2a-圖5所示實施例的對應功能，在此不再贅述。
總之，以上所述僅為本說明書的較佳實施例而已，並非用於限定本說明書的保護範圍。凡在本說明書的精神和原則之內，所作的任何修改、等同替換、改進等，均應包含在本說明書的保護範圍之內。
上述實施例闡明的系統、裝置、模組或單元，具體可以由電腦晶片或實體實現，或者由具有某種功能的產品來實現。一種典型的實現設備為電腦。具體的，電腦例如可以為個人電腦、膝上型電腦、蜂窩電話、相機電話、智慧型電話、個人數位助理、媒體播放機、導航設備、電子郵件設備、遊戲控制台、平板電腦、可穿戴設備或者這些設備中的任何設備的組合。
電腦可讀媒體包括永久性和非永久性、可移動和非可移動媒體可以由任何方法或技術來實現資訊儲存。資訊可以是電腦可讀指令、資料結構、程式的模組或其他資料。電腦的儲存媒體的例子包括，但不限於相變記憶體(PRAM)、靜態隨機存取記憶體(SRAM)、動態隨機存取記憶體(DRAM)、其他類型的隨機存取記憶體(RAM)、唯讀記憶體(ROM)、電可擦除可程式設計唯讀記憶體(EEPROM)、快閃記憶體或其他記憶體技術、唯讀光碟唯讀記憶體(CD-ROM)、數位多功能光碟(DVD)或其他光學儲存、磁盒式磁帶，磁帶磁磁片儲存或其他磁性儲存設備或任何其他非傳輸媒體，可用於儲存可以被計算設備訪問的資訊。按照本文中的界定，電腦可讀媒體不包括暫存電腦可讀媒體(transitory media)，如調製的資料信號和載波。
還需要說明的是，術語“包括”、“包含”或者其任何其他變體意在涵蓋非排他性的包含，從而使得包括一系列要素的過程、方法、商品或者設備不僅包括那些要素，而且還包括沒有明確列出的其他要素，或者是還包括為這種過程、方法、商品或者設備所固有的要素。在沒有更多限制的情況下，由語句“包括一個……”限定的要素，並不排除在包括所述要素的過程、方法、商品或者設備中還存在另外的相同要素。
本說明書中的各個實施例均採用遞進的方式描述，各個實施例之間相同相似的部分互相參見即可，每個實施例重點說明的都是與其他實施例的不同之處。尤其，對於系統實施例而言，由於其基本相似於方法實施例，所以描述的比較簡單，相關之處參見方法實施例的部分說明即可。In order to enable those skilled in the art to better understand the technical solutions in this specification, the following will clearly and completely describe the technical solutions in the embodiments of this specification in conjunction with the drawings in the embodiments of this specification. Obviously, the described The embodiments are only a part of the embodiments in this specification, rather than all the embodiments. Based on the embodiments in this specification, all other embodiments obtained by those of ordinary skill in the art without creative work shall fall within the protection scope of this specification.
First, introduce the system architecture of the offline self-service settlement solution in the embodiment of this specification. The applicable application scenarios of the system architecture can be supermarkets, hypermarkets and other places where self-service purchase of goods. Referring to FIG. 1a, the system architecture may include: multiple self-service settlement devices 102, server devices 104, and multiple exit inspection devices 106; multiple exit inspection devices 106 may be arranged side by side at the exit positions of shopping places as shown in FIG. 1a.
Wherein, referring to Figure 1b, the self-service settlement device 102 may include: a payment terminal 1021 and a self-service cashier terminal 1022; the self-service cashier terminal 1022 is used to scan the code of the product selected by the target user to obtain product information, and the payment terminal 1021 uses It assists the self-service cashier terminal 1022 to realize the self-service payment of the target user; multiple self-service cashier terminals 1022 can be self-service cashier counters and are distributed in different locations in the shopping place; and the payment terminal 1021 can be handheld by the target user, such as a mobile phone or a tablet computer The payment terminal 1021 is generally carried by the target user, regardless of location; the server device 104 can be set in the computer room of the shopping place as a back-end server, and has a wireless connection or a wired connection with each self-service cashier terminal 1022. Considering that the input cost of the self-service cashier terminal 1022 is fixed, and under the same input cost, a larger number of self-service cashier terminals 1022 can be set to cooperate with the payment terminal 1022 held by the target user to alleviate or even solve the queuing problem.
Or, referring to FIG. 1c, the self-service settlement device 102 can be a payment terminal 1021 held by the target user; the payment terminal 1021 can be used to scan the product selected by the target user to obtain product information, and use its own payment settlement function Realize self-service payment for target users. Since the payment terminal 1021 held by the target user can be a terminal such as a mobile phone or a tablet computer carried by the target user, and is not restricted by location, self-service settlement can be realized in any shopping area of the shopping place, effectively avoiding the trouble of queuing.
This not only improves the shopping settlement experience, but also improves settlement efficiency. In addition, through the cooperation of the exit inspection device 106 and the server device 104, it is also possible to determine whether the customer has completed the self-service settlement, and intercept or release the target user based on the self-service settlement result. Thus, it can effectively reduce or even avoid slips.
Example one
Referring to Figure 2a, it is a schematic diagram of the steps of an offline self-service settlement method provided in this embodiment of the specification. The method may include the following steps:
Step 202: The self-service settlement device obtains product information by scanning the product selected by the target user.
It should be understood that a scanning device is provided in the self-service settlement equipment, and the scanning device is used to scan the two-dimensional code or barcode carried by the product selected by the target user to obtain product information.
The product information may include one or more combinations of product category, product model, product unit price, product weight, product size, product quantity, and other information.
Step 204: The self-service settlement device performs self-service payment based on the payment request for the acquired product information initiated by the target user, and uploads the settlement information of the target user to the server device, wherein the settlement information at least includes: payment Information and identification.
After obtaining the product information, the self-service settlement device can implement self-service payment based on the payment request initiated by the target user for at least one of the products corresponding to the product information.
In a achievable solution, the self-service settlement device may include: a self-service cashier terminal and a payment terminal; then, when the self-service settlement device obtains product information by scanning the product selected by the target user in step 202, it may specifically include:
The self-service cashier terminal obtains product information by scanning the product selected by the target user.
In other words, the self-service cashier terminal scans the two-dimensional code or barcode of the product through the scanning device provided in the terminal to obtain product information. The scanning device may be a movable code scanning gun connected to the self-service cash register terminal or a code scanning device fixed on the self-service cash register terminal body.
Correspondingly, when the self-service settlement device performs self-service payment based on the payment request for the acquired product information initiated by the target user in step 204, and uploads the settlement information of the target user to the server device, it may specifically include:
The self-service cashier terminal sends a payment request to the payment terminal based on the acquired product information initiated by the target user;
The payment terminal performs self-service payment based on the payment request, and returns the settlement information of the target user to the self-service cashier terminal;
The self-service cashier terminal uploads the settlement information to the server device.
In specific implementation, the target user can manually trigger the settlement operation based on the product information on the self-service cashier terminal to display the order information on the self-service cashier terminal; after the target user confirms and submits the order information, the self-service cashier terminal is triggered to the target user’s handheld The payment terminal initiates a payment request, and the target user can realize self-service payment through a payment APP (for example, Alipay, e-banking, or other related payment APP) in the handheld payment terminal. After that, the payment terminal returns the settlement information to the self-service cashier terminal, and the self-service cashier terminal uploads it to the server device. It should be understood that the premise that can be achieved here is that before the self-service cashier terminal initiates a payment request to the payment terminal held by the target user, it can obtain the account information of the payment terminal through the input operation of the target user so that it can interact with the payment terminal.
Alternatively, the target user can manually trigger the settlement operation based on the product information on the self-service cashier terminal to display the order information on the self-service cashier terminal; after the target user confirms and submits the order information, triggers the self-service cashier terminal to hand-held payment to the target user The terminal initiates a payment request. The payment request can be realized by displaying the payment page. In this way, the target user can scan the payment page through the payment APP in the handheld payment terminal (for example, Alipay, e-banking or other related payment APP) to realize self-service Payment, or, the target user can select the payment type through the displayed payment page (for example, it can include Alipay, e-banking, or other related payment apps, etc.), and then enter the payment terminal corresponding to the corresponding payment type at the self-service cashier terminal Account and corresponding payment password for self-service payment. After that, the payment terminal (handheld payment terminal or payment client) returns the settlement information to the self-service cashier terminal, and the self-service cashier terminal uploads it to the server device. Wherein, the payment page may display graphic and/or text information such as a two-dimensional code, a barcode, and a barcode number.
In another achievable solution, the self-service settlement device includes: a payment terminal;
Then, when the self-service settlement device obtains product information by scanning the product selected by the target user in step 202, it may specifically include:
The payment terminal obtains product information by scanning the product selected by the target user.
In other words, the payment terminal held by the target user scans the two-dimensional code or barcode of the product through the scanning device provided in the terminal to obtain product information. The scanning device may be an internal device that implements a code scanning function by hardware devices such as a photographic lens. For example, you can use the scan function of various payment apps to scan code products.
Correspondingly, when the self-service settlement device performs self-service payment based on the payment request for the acquired product information initiated by the target user in step 204, and uploads the settlement information of the target user to the server device, it may specifically include:
The payment terminal held by the target user performs self-service payment based on the payment request for the acquired product information initiated by the target user, and uploads the settlement information of the target user to the server device.
For example, the payment terminal held by the target user can use the scan function in Alipay to scan the code of the product selected by the target user to obtain product information; then, self-settlement and payment can be made based on the payment request initiated by the target user for the obtained product information , And upload the settlement information to the server device. The settlement cost of this self-service payment method is relatively low, and the settlement operation can be distributed to each target user. In the case of reducing cost investment, it can effectively avoid the trouble of settlement queuing, further improve the settlement experience, and at the same time improve Settlement efficiency.
In the embodiment of this specification, after the self-service payment is completed, the self-service settlement device can obtain the payment information returned based on the payment request initiated by the target user. The payment information may at least include: paid information; among them, the paid information At least include: the goods that have been paid, the amount that has been paid, the amount that has been paid, etc. In fact, when the target user’s self-service payment is insufficient or only self-service payment for some products in the order information, the payment information may also include unpaid information, among which, the unpaid information may at least include: unpaid goods , Unpaid amount, unpaid amount and other information.
It should be understood that the self-service settlement device can upload the settlement information of the target user to the server device, where the settlement information at least includes: payment information and an identity. The identity identifier is an identifier that characterizes the uniqueness of the target user's identity, and may be the target user's name, code, or certificate number. For example, the settlement information may be: target user A and payment information of target user A.
Optionally, in an achievable solution involved in the embodiment of this specification, the identity identifier is obtained based on the account identity in the payment information of the target user. Generally speaking, when a target user makes a self-service payment, he can generate corresponding payment information based on the account identity of the payment APP used by the target user during self-service payment, that is, the payment information includes the payment information used by the target user for self-service payment. The account identity of the payment APP, in this way, the self-service settlement device can upload the obtained payment information and the identity based on the account identity extracted from the payment information to the server device for processing.
Optionally, in another achievable solution involved in the embodiment of this specification, the identity is obtained based on the biometric information of the target user collected by the self-service settlement device. It should be understood that the self-service settlement equipment may also include a biometric collection device, which may specifically include: an image collection device, a voiceprint collection device, a fingerprint collection device, and the like. For example, it can be a photographic lens with a face collection function and/or an iris collection function, an acoustic instrument with a voiceprint collection function, a fingerprint machine with a fingerprint collection function, and so on. Correspondingly, when the self-service settlement equipment performs self-service payment based on the product selected by the target user, it can also collect the biological characteristic information of the target user through the biological characteristic collection device of the device. The biological characteristic information may include: facial information, iris information , Voiceprint information or fingerprint information, etc. In this way, the self-service settlement device can upload the acquired payment information and the identity identifier acquired based on the collected biometric information of the target user to the server device for processing.
Step 206: After the exit inspection equipment collects the biometric information of the target user, it sends the biometric information to the server device.
After the target user purchases goods and makes self-service payment, he can leave the shopping place through the export inspection equipment. The exit inspection equipment can be set as an exit channel with a certain length. When the target user enters the exit inspection equipment, the biological feature collection device in the exit inspection equipment can collect the biological feature information of the target user, and the biological feature information of the target user can be collected. The characteristic information is sent to the server device.
It should be understood that the biological feature collection device in the export inspection equipment may be the same or different from the biological feature collection device in the automatic settlement equipment. Or they are equipped with multiple types of biometric collection devices at the same time. For example, the self-checking equipment is equipped with a photographic lens and a fingerprint device, and the export inspection equipment is equipped with a photographic lens and a fingerprint device. In this way, the facial information or iris collected by the photographic lens If the information is unreliable, you can use the fingerprint scanner to collect the fingerprint information of the target user.
Step 208: The server device determines the payment information of the target user based on the biometric information, and returns the self-service settlement result of the target user to the exit inspection device based on the payment information of the target user.
Optionally, in step 208, when the server device determines the payment information of the target user based on the biometric information, it can be specifically executed as follows:
In the first step, the server device determines the identity of the target user based on the biometric information.
Taking into account the popularity of big data services, real-name personal identification information is widely respected in various business fields. Therefore, after the server device obtains the biometric information collected by the export inspection device, it can quickly match the identity of the target user from the big data system. Optionally, in order to ensure the security of the personal information of the target user, the identity identifier involved in the embodiment of this specification may be a machine recognition language, for example, a string of preset length.
In the second step, the server device determines the matching payment information of the target user based on the identity of the target user.
Based on the identity, the server device searches for payment information that matches the identity from the settlement information in the storage area of the machine. It should be understood that the payment information found at this time can be the payment information in one settlement information, or the sum of multiple payment information in multiple settlement information (that is, the self-service settlement device is based on multiple self-service payments by the target user). Multiple billing information uploaded).
Optionally, in step 208, the server device returns the self-service settlement result of the target user to the exit inspection device based on the payment information of the target user, which may specifically include:
The server device determines whether the target user completes self-service settlement based on the payment information of the target user, and returns the self-service settlement result of the target user to the exit inspection device.
In the embodiment of this specification, the server device determines whether the target user completes self-service settlement based on the payment information of the target user, which can be specifically implemented in the following three ways, which will be introduced separately below.
method one:
The server device determining whether the target user completes self-service settlement based on the payment information of the target user includes:
If there is unpaid information in the payment information of the target user, it is determined that the target user has not completed self-service settlement;
If there is no unpaid information in the payment information of the target user, it is determined that the target user has completed self-service settlement.
In this way, the server device can determine whether the target user has completed the self-service settlement based on whether there is unpaid information in the target user’s payment information. This method can more directly and quickly determine whether the target user has completed the self-service settlement, and reduce settlement evasion. Rate and improve settlement efficiency.
Way two:
The settlement information further includes: commodity information of the commodity selected by the target user.
The server device determining the matching payment information of the target user based on the identity of the target user includes:
The server device determines matching payment information of the target user and product information of the target user based on the identity of the target user.
The server device determining whether the target user completes self-service settlement based on the payment information of the target user includes:
The server device verifies the payment information of the target user based on the product information of the target user, and determines whether the target user completes self-service settlement based on the verification result.
The server device verifies the payment information of the target user based on the product information of the target user, and determines whether the target user completes self-service settlement based on the verification result, including:
The server device calculates the payment amount for the product selected by the target user based on the number of commodities in the product information of the target user and the unit price of the commodities;
The server device verifies the payment information in the payment information of the target user based on the payment amount;
If the verification is passed, it is determined that the target user has completed self-service settlement;
Otherwise, it is determined that the target user has not completed self-service settlement.
In this way, the server device can calculate the payment amount of the product selected by the target user based on the product information of the target user, and determine whether the target user has completed the self-service settlement according to whether the payment amount matches the payment amount involved in the payment information in the payment information. 2. Combining the product information of the product selected by the target user to verify the payment information in the payment information, it can more accurately determine whether the target user has a settlement slip and improve the efficiency of settlement.
It should be noted that in the above method 1 and method 2, the payment information of the target user and the product information of the target user involved can be understood as the current settlement information generated by the target user during this purchase to distinguish the following The historical settlement information in the third method.
Way three:
The settlement information further includes: commodity information of the commodity selected by the target user.
Determining matching payment information of the target user based on the identity of the target user includes:
The server device determines matching payment information of the target user, product information of the target user, and historical settlement information of the target user based on the identity of the target user.
The historical settlement information includes at least one or a combination of the following information:
The historical payment information and historical self-service settlement results of the target user obtained from the local server device; the historical payment information and historical self-service settlement results of the target user obtained from other server devices corresponding to other shopping places; Credit rating information of the target user obtained by a three-party credit evaluation agency.
Wherein, the third-party credit evaluation agency may be a bank, Alipay, or other APP that can obtain a credit rating. For example, the credit rating information can be the personal credit rating obtained from the bank, the Huabei level obtained from Alipay (specifically the Huabei limit), the borrowing level (specifically the borrowing limit), and the ant level (specifically the ant Points) and so on.
The server device determining whether the target user completes self-service settlement based on the payment information of the target user includes:
In the first step, the server device determines the settlement index of the target user based on the payment information of the target user, the commodity information of the target user, and the historical settlement information of the target user, and the settlement index is used for Evaluating the probability of the target user performing self-service settlement behavior;
In a specific implementation, the server device may extract the first settlement data representing the settlement level of the local shopping place based on the payment information of the target user, the product information of the target user, and the historical settlement information of the target user. , The second settlement data that characterizes the level of settlement in other shopping places and the credit data that characterizes the credit rating granted by a third-party credit evaluation agency; the server device combines the first settlement data, the second settlement data, and the Credit data, input the preset settlement index model, and obtain the settlement index of the target user.
It should be understood that the preset settlement index model involved in this specification may be a linear weighted average model. For example, in the linear weighted average model, the first settlement data corresponds to a first weighting factor, and the second settlement data corresponds to a second weighting factor. The data corresponds to the third weighting factor. Among them, the model can be debugged according to historical settlement data to determine the respective values of the first weighting factor, the second weighting factor, and the third weighting factor. In fact, the preset settlement index model can also be obtained by analogy training based on artificial intelligence technology, machine learning algorithm, deep learning algorithm, etc., which is not limited in the embodiment of this specification.
In the second step, the server device determines whether the target user completes self-service settlement based on the settlement index.
In specific implementation, the server device may compare the settlement index with a preset threshold;
If the settlement index is greater than or equal to the preset threshold, determining that the target user completes self-service settlement;
Otherwise, it is determined that the target user has not completed self-service settlement.
Wherein, the preset threshold may be based on historical settlement information or an empirical value obtained from the probability of order evasion of local shopping places in multiple time periods.
Step 210: The exit inspection device determines whether to release the target user based on the self-service settlement result.
Through the technical solution of the embodiment of this specification, the self-service settlement device is used to conduct self-service settlement on the goods selected by the target user, and the self-service settlement device uploads the settlement information to the server device, so that after the target user completes the shopping, it is collected based on the export inspection equipment The biometric information of the target user matches the payment information from the settlement information in the local storage area, and then determines whether the target user has completed the self-service settlement based on the payment information, and the exit inspection equipment determines whether to release the target user based on the self-service settlement result. Therefore, when the input cost is approximately the same, it is possible to reduce or even avoid queuing settlement based on the deployed self-service settlement equipment, and improve the settlement experience and settlement speed of users. Moreover, the collaborative processing of export inspection equipment and server-side equipment can also reduce user settlement evasion. As a result, the overall settlement efficiency is improved.
Optionally, in an implementation manner of the embodiment of the present specification, the exit inspection device is provided with an interception device, then the exit inspection device determines whether to release the target user based on the self-service settlement result, which can be specifically implemented for:
If the target user completes self-service settlement, the exit inspection device controls the interception device to be turned on to release the target user; otherwise, the exit inspection device controls the interception device to remain closed to intercept the target user. The interception device in this method can be understood as an automatic gate or an automatic gate. The export inspection device can flexibly control the interception device to keep closed or open according to the autonomous settlement result, thereby realizing automatic interception of target users who have not completed self-service settlement. It should be understood that the interception device is preset to be in a closed state under normal circumstances.
Optionally, in another achievable manner of the embodiment of the present specification, the exit inspection device can be understood as a clear passage, then the exit inspection device determines whether to release the target user based on the self-service settlement result. The specific implementation is:
If the target user completes self-service settlement, the exit inspection device does not perform processing to release the target user; otherwise, the exit inspection device sends an interception reminder to the alarm device to intercept the target user. The alarm device in this method can be set on the exit inspection device. For example, the alarm device can be a siren. After the exit inspection device sends out an interception reminder, the siren can play an alarm sound to remind the staff of the target passing at this time. The user intercepts; or, the alarm device can be a staff's handheld terminal. After the exit inspection device sends out an interception reminder, the handheld terminal can remind the staff to intercept the target user passing at this time. Thus, by sending interception reminders, manual interception of target users who have not completed self-service settlement is realized.
Optionally, in the embodiment of the present specification, in order to further reduce the evasion of the order, the target user may also be settled and verified by measuring the weight when the target user enters and leaves the shopping place. At this time, the settlement information further includes: the first weight of the target user collected by the entrance inspection device, and the second weight of the target user carrying the commodity collected by the exit device.
Referring to Figure 2b, the method further includes:
Step 212: The server device determines the product information and the first weight and the second weight of the target user based on the biometric information.
Step 214: The server device determines whether to perform settlement verification for the target user based on the product information of the target user and the first weight and the second weight.
Optionally, in step 214, when the server device determines whether to perform settlement verification for the target user based on the product information of the target user and the first weight and the second weight, the specific execution may be as follows:
The server device determines the total weight of the product selected by the target user based on the number of products in the product information of the target user and the weight of a single product; if the difference between the first weight and the second weight of the target user is absolute If the value is greater than the total weight of the commodity selected by the target user, then the target user will be checked for settlement; otherwise, no processing will be performed.
It should be understood that, in the embodiments of this specification, it is considered that manual participation may be required to implement the settlement verification of the target user. Therefore, the server device may send a verification reminder to the handheld terminal of the verifier after determining the settlement verification of the target user. The verification reminder may include: the exit inspection device that the target user passes when the target user leaves the shopping place. Logo. The verification personnel can perform settlement verification on the target users who have left the corresponding export inspection equipment according to the received verification reminder.
Optionally, in the embodiment of the present specification, after the server device returns the self-service settlement result of the target user to the exit inspection device, the method further includes:
The server device marks the payment information and self-service settlement results of the local target user as historical payment information and historical self-service settlement results, respectively. Therefore, the payment information and self-service settlement results generated by the same target user during different shopping periods are distinguished in the server device.
The offline self-service settlement scheme involved in this specification will be described in detail below through specific embodiments.
Referring to Figure 3a, taking customer A (equivalent to the target user) shopping in a supermarket as an example, the payment terminal held by customer A can be mobile phone A', and multiple self-service cashier counters B are distributed in multiple locations in the supermarket. , So that customer A can conduct self-service settlement anytime and anywhere. The offline self-service settlement process also involves the local back-end server C, the face recognition door D, the back-end servers E of other supermarkets, the third-party evaluation agency F, and the random inspection personnel G. The offline self-service settlement process may include:
Step 302a: The self-service cashier B scans the code of the selected product based on the product code scanning request initiated by the customer A.
After scanning the code, self-service cashier B can obtain the product information of the scanned product. In fact, while scanning the code, self-service cashier B can also collect customer A's facial images, and obtain customer A's identity information through facial recognition.
Step 304a: The mobile phone A'performs self-service payment based on the payment request sent by the self-service cashier B.
In specific implementation, self-service cashier B can initiate a payment request based on customer A for part or all of the products in the scanned product, determine the payment amount based on the unit price of the product and the number of products in the product information, and show customer A that it is based on the payment amount Payment code. Customer A scans the payment code through Alipay in mobile phone A’ to complete the self-service payment and generates corresponding payment information.
Step 306a: Mobile phone A’ sends the payment information to self-service cashier B.
Step 308a: The self-service cashier B sends the product information, identity information, and payment information to the local backend server C.
In this step, the self-service cashier B can use the product information, identity information, and payment information as settlement information and send them to the local back-end server C for storage.
Step 310a: When the customer A passes the face recognition door D and is about to leave, the face recognition door D performs facial recognition.
Step 312a: The face recognition gate D sends the recognized facial information to the local backend server C, and initiates a settlement index evaluation request.
Step 314a: The local background server C obtains the credit rating of the customer A from the third-party evaluation agency F.
Specifically, the Huabei quota, borrowing quota, ant points, etc. can be obtained respectively, and then the customer A's credit rating can be calculated based on different weight ratios. Customer A's credit rating can also be determined based on one of them.
Step 316a: The local backend server C obtains the historical settlement information of the customer A from the backend servers E of other supermarkets.
Step 318a: The local backend server C obtains customer A's current payment information, historical payment information, and historical self-service settlement results from the local.
It should be understood that, in the embodiment of this specification, the execution order of step 314a, step 316a, and step 318a is not limited.
Step 320a: The local back-end server C is based on the credit rating obtained from the third-party evaluation agency F, the historical settlement information obtained from the back-end servers E of other supermarkets, and the current payment information, historical payment information and historical self-service obtained locally Settlement results, calculate the settlement index of the target user.
Step 322a: The local background server C determines whether the target user has completed the self-service settlement according to the settlement index, and returns the self-service settlement result to the random inspector G.
In fact, the local backend server C returns the self-service settlement result to the handheld terminal of the inspector G. It should be understood that the hand-held terminals of the face recognition door D and the random inspection personnel G here can be regarded as the export inspection equipment in this specification. An alarm device is installed in the handheld terminal.
Step 324a: The random inspector G manually intercepts the target user according to whether the alarm device in the handheld terminal issues an alarm reminder.
Specifically, after interception, the random inspection personnel G needs to conduct settlement inspections on the target users, so as to conduct manual inspections through random inspections, which effectively reduces settlement evasion.
Referring to Figure 3b, taking customer A (that is, the target user) shopping in a supermarket as an example, the payment terminal held by customer A can be mobile phone A’, and customer A can use mobile phone A’ to conduct self-service settlement anytime and anywhere. The offline self-service settlement process also involves the local back-end server C, the face recognition door D, the back-end servers E of other supermarkets, the third-party evaluation agency F, and the random inspection personnel G. The offline self-service settlement process may include:
Step 302b: The mobile phone A'scans the code of the selected commodity based on the commodity scan request initiated by the customer A, and performs self-service payment.
In specific implementation, customer A’s Alipay user terminal in mobile phone A’ can scan the product code to obtain product information. After the code scanning is completed, the mobile phone A’ can perform self-service payment based on the customer A’s initiation of a payment request for some or all of the scanned products, and generate corresponding payment information.
Step 304b: The mobile phone A'sends the product information, identity information, and payment information to the local backend server C.
In this step, mobile phone A’ can use product information, identity information, and payment information as settlement information and send them to the local back-end server C for storage.
Step 306b: When the customer A passes through the face recognition door D and is about to leave, the face recognition door D performs facial recognition.
Step 308b: The face recognition gate D sends the recognized facial information to the local backend server C, and initiates a settlement index evaluation request.
Step 310b: The local backend server C obtains the credit rating of the customer A from the third-party evaluation agency F.
Specifically, the Huabei quota, borrowing quota, ant points, etc. can be obtained respectively, and then the customer A's credit rating can be calculated based on different weight ratios. Customer A's credit rating can also be determined based on one of them.
Step 312b: The local backend server C obtains the historical settlement information of the customer A from the backend servers E of other supermarkets.
Step 314b: The local backend server C obtains customer A's current payment information, historical payment information, and historical self-service settlement results locally.
It should be understood that, in the embodiment of this specification, the execution order of step 310b, step 312b, and step 314b is not limited.
Step 316b: The local back-end server C is based on the credit rating obtained from the third-party evaluation agency F, the historical settlement information obtained from the back-end server E of other supermarkets, and the current payment information, historical payment information and historical self-service obtained locally Settlement results, calculate the settlement index of the target user.
Step 318b: The local background server C determines whether the target user has completed the self-service settlement according to the settlement index, and returns the self-service settlement result to the random inspector G.
In fact, the local backend server C returns the self-service settlement result to the handheld terminal of the inspector G. It should be understood that the hand-held terminals of the face recognition door D and the random inspection personnel G here can be regarded as the export inspection equipment in this specification. An alarm device is installed in the handheld terminal.
Step 320b: The random inspector G manually intercepts the target user according to whether the alarm device in the handheld terminal issues an alarm reminder.
Specifically, after interception, the random inspection personnel G needs to conduct settlement inspections on the target users, so as to conduct manual inspections through random inspections, which effectively reduces settlement evasion.
Example two
Refer to Figure 4, which is a schematic diagram of the steps of the offline self-service settlement method provided by the embodiment of this specification. The execution body of the method is the offline self-service settlement device, which may be a server device, and the server device may be, for example, a computer. , Smart phones, other smart handheld terminals, etc. The offline self-service settlement method may include:
Step 402: The server device receives the settlement information of the target user; wherein, the settlement information is obtained by the self-service settlement device based on the payment request initiated by the target user through self-service payment, and the payment request is directed to the self-service settlement device by scanning the target user Commodity information obtained by the selected commodity is initiated, and the settlement information at least includes: payment information and an identity identifier.
Step 404: The server device determines the payment information of the target user based on the biometric information of the target user collected by the export inspection device, and returns the payment information to the exit inspection device based on the payment information of the target user. The self-service settlement result of the target user; wherein the self-service settlement result is used to indicate whether the exit inspection device releases the target user.
It should be understood that in the embodiments of this specification, the server device may also execute the optional solutions involved in the first embodiment, which will not be repeated here.
Referring to Figure 5, the schematic diagram of the steps of the offline self-service settlement method provided by the embodiment of this specification, the execution body of the method is the offline self-service settlement device, which can be specifically an export inspection device, which can be a door-like device Or a channel gate device with a biometric information collection device. The offline self-service settlement method may include:
Step 502: After the exit inspection equipment collects the biometric information of the target user, it sends the biometric information to the server device; wherein the biometric information is used by the server device to determine the payment of the target user Information, and based on the payment information of the target user, return the self-service settlement result of the target user to the exit inspection device.
Step 504: The exit inspection device determines whether to release the target user based on the self-service settlement result.
It should be understood that, in the embodiments of this specification, the export inspection equipment may also implement the optional solutions involved in the first embodiment, which will not be repeated here.
Through the technical solution of the embodiment of this specification, the self-service settlement device is used to conduct self-service settlement on the goods selected by the target user, and the self-service settlement device uploads the settlement information to the server device, so that after the target user completes the shopping, it is collected based on the export inspection equipment The biometric information of the target user matches the payment information from the settlement information in the local storage area, and then determines whether the target user has completed the self-service settlement based on the payment information, and the exit inspection equipment determines whether to release the target user based on the self-service settlement result. Therefore, when the input cost is approximately the same, it is possible to reduce or even avoid queuing settlement based on the deployed self-service settlement equipment, and improve the settlement experience and settlement speed of users. Moreover, the collaborative processing of export inspection equipment and server-side equipment can also reduce user settlement evasion. As a result, the overall settlement efficiency is improved.
Example three
FIG. 6 is a schematic diagram of the structure of an electronic device according to an embodiment of this specification. Please refer to FIG. 6, at the hardware level, the electronic device includes a processor, optionally an internal bus, a network interface, and a memory. Among them, the memory may include memory, such as high-speed random access memory (Random-Access Memory, RAM), and may also include non-volatile memory (non-volatile memory), such as at least one disk memory, etc. . Of course, the electronic equipment may also include hardware required by other businesses.
The processor, network interface, and memory can be connected to each other through an internal bus, which can be an ISA (Industry Standard Architecture) bus or a PCI (Peripheral Component Interconnect) bus Row or EISA (Extended Industry Standard Architecture, Extended Industry Standard Architecture) bus, etc. The bus can be divided into address bus, data bus, control bus, etc. For ease of representation, only one double-headed arrow is used in FIG. 6, but it does not mean that there is only one busbar or one type of busbar.
Memory, used to store programs. Specifically, the program may include program code, and the program code includes computer operation instructions. The memory can include memory and non-volatile memory, and provides instructions and data to the processor.
The processor reads the corresponding computer program from the non-volatile memory to the memory and then runs it to form a shared resource access control device at the logical level. The processor executes the programs stored in the memory, and is specifically used to perform the following operations:
Receive the settlement information of the target user; wherein the settlement information is obtained by the self-service settlement device based on the payment request initiated by the target user through self-service payment, and the payment request is for the product obtained by the self-service settlement device by scanning the product selected by the target user Information origination, the settlement information includes at least: payment information and an identity;
Determine the payment information of the target user based on the biometric information of the target user collected by the exit inspection device, and return the self-service settlement result of the target user to the exit inspection device based on the payment information of the target user; Wherein, the self-service settlement result is used to indicate whether the exit inspection device releases the target user.
Or, do the following:
When the biometric information of the target user is collected, the biometric information is sent to the server device; wherein, the biometric information is used by the server device to determine the payment information of the target user based on the The payment information of the target user, returning the self-service settlement result of the target user to the exit inspection device;
Determine whether to release the target user based on the self-service settlement result.
The method executed by the offline self-service settlement apparatus disclosed in the embodiments shown in FIGS. 2a to 5 of this specification can be applied to the processor or implemented by the processor. The processor may be an integrated circuit chip with signal processing capabilities. In the implementation process, the steps of the above method can be completed by hardware integrated logic circuits in the processor or instructions in the form of software. The above-mentioned processor may be a general-purpose processor, including a central processing unit (Central Processing Unit, CPU), a network processor (Network Processor, NP), etc.; it may also be a digital signal processor (DSP), a dedicated Application Specific Integrated Circuit (ASIC), Field-Programmable Gate Array (FPGA) or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components. The methods, steps, and logical block diagrams disclosed in the embodiments of this specification can be implemented or executed. The general-purpose processor may be a microprocessor or the processor may also be any conventional processor or the like. The steps of the method disclosed in the embodiments of this specification can be directly embodied as being executed by a hardware decoding processor, or executed by a combination of hardware and software modules in the decoding processor. The software module can be located in a mature storage medium in the field such as random memory, flash memory, read-only memory, programmable read-only memory, or electrically readable, writable and programmable memory, register. The storage medium is located in the memory, and the processor reads the information in the memory and completes the steps of the above method in combination with its hardware.
The electronic device can also execute the method in FIG. 2a, and realize the functions of the embodiments of the offline self-service settlement apparatus shown in FIGS. 2a to 5, which are not repeated here in the embodiment of this specification.
Of course, in addition to the software implementation, the electronic equipment in the embodiments of this specification does not exclude other implementations, such as logic devices or a combination of software and hardware, etc. That is to say, the execution body of the following processing flow is not limited to each The logical unit can also be a hardware or a logical device.
Through the technical solution of the embodiment of this specification, the self-service settlement device is used to conduct self-service settlement on the goods selected by the target user, and the self-service settlement device uploads the settlement information to the server device, so that after the target user completes the shopping, it is collected based on the export inspection equipment The biometric information of the target user matches the payment information from the settlement information in the local storage area, and then determines whether the target user has completed the self-service settlement based on the payment information, and the exit inspection equipment determines whether to release the target user based on the self-service settlement result. Therefore, when the input cost is approximately the same, it is possible to reduce or even avoid queuing settlement based on the deployed self-service settlement equipment, and improve the settlement experience and settlement speed of users. Moreover, the collaborative processing of export inspection equipment and server-side equipment can also reduce user settlement evasion. As a result, the overall settlement efficiency is improved.
Example four
The embodiment of this specification also proposes a computer-readable storage medium, the computer-readable storage medium stores one or more programs, the one or more programs include instructions, and the instructions are used as a portable electronic device that includes multiple application programs. When the device is executed, the portable electronic device can be made to execute the method of the embodiment shown in FIG. 2a, and is specifically used to execute the following methods:
Receive the settlement information of the target user; wherein the settlement information is obtained by the self-service settlement device based on the payment request initiated by the target user through self-service payment, and the payment request is for the product obtained by the self-service settlement device by scanning the product selected by the target user Information origination, the settlement information includes at least: payment information and an identity;
Determine the payment information of the target user based on the biometric information of the target user collected by the exit inspection device, and return the self-service settlement result of the target user to the exit inspection device based on the payment information of the target user; Wherein, the self-service settlement result is used to indicate whether the exit inspection device releases the target user.
Or, do the following:
When the biometric information of the target user is collected, the biometric information is sent to the server device; wherein, the biometric information is used by the server device to determine the payment information of the target user based on the The payment information of the target user, returning the self-service settlement result of the target user to the exit inspection device;
Determine whether to release the target user based on the self-service settlement result.
Through the technical solution of the embodiment of this specification, the self-service settlement device is used to conduct self-service settlement on the goods selected by the target user, and the self-service settlement device uploads the settlement information to the server device, so that after the target user completes the shopping, it is collected based on the export inspection equipment The biometric information of the target user matches the payment information from the settlement information in the local storage area, and then determines whether the target user has completed the self-service settlement based on the payment information, and the exit inspection equipment determines whether to release the target user based on the self-service settlement result. Therefore, when the input cost is approximately the same, it is possible to reduce or even avoid queuing settlement based on the deployed self-service settlement equipment, and improve the settlement experience and settlement speed of users. Moreover, the collaborative processing of export inspection equipment and server-side equipment can also reduce user settlement evasion. As a result, the overall settlement efficiency is improved.
Example five
1a, which is a schematic structural diagram of the offline self-service settlement system provided by the embodiment of this specification. The system may include: self-service settlement equipment 102, server equipment 104, and export inspection equipment 106; among them,
The self-service settlement device 102 acquires product information by scanning the product selected by the target user; and, performs self-service payment based on the payment request initiated by the target user for the acquired product information, and uploads the target user’s settlement information to the service Terminal equipment, wherein the settlement information includes at least: payment information and an identity;
After the exit inspection device 106 collects the biometric information of the target user, it sends the biometric information to the server device;
The server device 104 determines the payment information of the target user based on the biometric information, and returns the self-service settlement result of the target user to the exit inspection device based on the payment information of the target user;
The exit inspection device 106 determines whether to release the target user based on the self-service settlement result.
Optionally, the self-service settlement device 102 includes: a self-service cashier terminal and a payment terminal;
The self-service cashier terminal can be used to obtain product information by scanning the product selected by the target user; and send a payment request to the payment terminal based on the acquired product information initiated by the target user;
The payment terminal may be used to perform self-service payment based on the payment request, and return the settlement information of the target user to the self-service cashier terminal;
The self-service cashier terminal is also used to upload the settlement information to the server device.
Optionally, the self-service settlement device 102 includes: a payment terminal;
The payment terminal can be used to: obtain product information by scanning the product selected by the target user; and, perform self-service payment based on the payment request initiated by the target user for the acquired product information, and upload the target user's settlement information To the server equipment.
FIG. 7 is a schematic structural diagram of an offline self-service settlement apparatus 700 provided by an embodiment of this specification. Please refer to FIG. 7, in a software implementation manner, the offline self-service settlement apparatus 700 may include:
The receiving module 702 receives the settlement information of the target user; wherein the settlement information is obtained by the self-service settlement device based on the payment request initiated by the target user through self-service payment, and the payment request is selected by the self-service settlement device by scanning the target user Commodity information obtained by the commodity of is initiated, and the settlement information includes at least: payment information and identification;
The processing module 704 determines the payment information of the target user based on the biometric information of the target user collected by the exit inspection device, and returns the target user to the exit inspection device based on the payment information of the target user The self-service settlement result; wherein the self-service settlement result is used to indicate whether the exit inspection device releases the target user.
FIG. 8 is a schematic structural diagram of an offline self-service settlement apparatus 800 provided by an embodiment of this specification. Please refer to FIG. 8, in a software implementation manner, the offline self-service settlement device 800 may include:
The sending module 802, after collecting the biometric information of the target user, sends the biometric information to the server device; wherein the biometric information is used by the server device to determine the payment information of the target user , And based on the payment information of the target user, return the self-service settlement result of the target user to the exit inspection device;
The processing module 804 determines whether to release the target user based on the self-service settlement result.
Through the technical solution of the embodiment of this specification, the self-service settlement device is used to conduct self-service settlement on the goods selected by the target user, and the self-service settlement device uploads the settlement information to the server device, so that after the target user completes the shopping, it is collected based on the export inspection equipment The biometric information of the target user matches the payment information from the settlement information in the local storage area, and then determines whether the target user has completed the self-service settlement based on the payment information, and the exit inspection equipment determines whether to release the target user based on the self-service settlement result. Therefore, when the input cost is approximately the same, it is possible to reduce or even avoid queuing settlement based on the deployed self-service settlement equipment, and improve the settlement experience and settlement speed of users. Moreover, the collaborative processing of export inspection equipment and server-side equipment can also reduce user settlement evasion. As a result, the overall settlement efficiency is improved.
Optionally, as an embodiment, the identity identifier is obtained based on the account identity in the payment information of the target user. Specifically, the identity identifier can be obtained from the payment information by the receiving module 702 of the offline self-service settlement apparatus 700.
Optionally, as another embodiment, the identity identifier is obtained based on the biometric information of the target user collected by the self-service settlement device. Specifically, the identity identifier can be obtained by the receiving module 702 of the offline self-service settlement device 700 from the connected biometric information collection device.
In a specific implementation of the embodiment of this specification, when the processing module 704 of the offline self-service settlement device 700 determines the payment information of the target user based on the biometric information, it is specifically used to:
Determining the identity of the target user based on the biometric information;
The matching payment information of the target user is determined based on the identity of the target user.
In a specific implementation of the embodiment of this specification, the processing module 704 of the offline self-service settlement apparatus 700 returns the self-service settlement result of the target user to the exit inspection device based on the payment information of the target user. , Specifically used for:
Based on the payment information of the target user, it is determined whether the target user has completed self-service settlement, and the self-service settlement result of the target user is returned to the exit inspection device.
In a specific implementation of the embodiment of this specification, when the processing module 704 of the offline self-service settlement apparatus 700 determines whether the target user has completed self-service settlement based on the payment information of the target user, it can be specifically used for:
If there is unpaid information in the payment information of the target user, it is determined that the target user has not completed self-service settlement; if there is no unpaid information in the payment information of the target user, it is determined that the target user has completed the self-service settlement.
In a specific implementation of the embodiment of this specification, the settlement information further includes: commodity information of the commodity selected by the target user;
When the processing module 704 of the offline self-service settlement apparatus 700 determines the matching payment information of the target user based on the identity of the target user, it can be specifically used to:
The payment information of the target user and the product information of the target user that match are determined based on the identity of the target user. as well as,
When the processing module 704 of the offline self-service settlement apparatus 700 determines whether the target user completes the self-service settlement based on the payment information of the target user, it can be specifically used for:
Based on the product information of the target user, the payment information of the target user is verified, and based on the verification result, it is determined whether the target user has completed self-service settlement.
In a specific implementation of the embodiment of this specification, the processing module 704 of the offline self-service settlement device 700 verifies the payment information of the target user based on the product information of the target user, and determines based on the verification result When the target user completes self-service settlement, it can be specifically used for:
Calculate the payment amount of the product selected by the target user based on the product quantity and the unit price of the product in the target user's product information; verify the paid information in the target user's payment information based on the payment amount; if the verification is passed, It is determined that the target user has completed the self-service settlement; otherwise, it is determined that the target user has not completed the self-service settlement.
In a specific implementation of the embodiment of this specification, the settlement information further includes: commodity information of the commodity selected by the target user;
When the processing module 704 of the offline self-service settlement apparatus 700 determines the matching payment information of the target user based on the identity of the target user, it is specifically used to:
The matching payment information of the target user, the product information of the target user, and the historical settlement information of the target user are determined based on the identity of the target user. as well as,
When the processing module 704 of the offline self-service settlement apparatus 700 determines whether the target user completes the self-service settlement based on the payment information of the target user, it can be specifically used for:
Based on the payment information of the target user, the product information of the target user, and the historical settlement information of the target user, the settlement index of the target user is determined, and the settlement index is used to evaluate the self-service settlement behavior of the target user The probability that the server device determines whether the target user completes self-service settlement based on the settlement index.
In a specific implementation of the embodiment of this specification, the historical settlement information includes at least one or a combination of the following information:
The historical payment information and historical self-service settlement results of the target user obtained from the local server device;
The historical payment information and historical self-service settlement results of the target user acquired from other server devices corresponding to other shopping places;
The credit rating information of the target user obtained from a third-party credit evaluation agency.
In a specific implementation of the embodiment of this specification, the processing module 704 of the offline self-service settlement device 700 is based on the payment information of the target user, the product information of the target user, and the historical settlement information of the target user. , When determining the settlement index of the target user, it can be specifically used to:
Based on the payment information of the target user, the product information of the target user, and the historical settlement information of the target user, the first settlement data that characterizes the settlement level at a local shopping place and the first settlement data that characterizes the settlement level at other shopping places are extracted respectively. 2. Settlement data and credit data representing the credit rating granted by a third-party credit evaluation agency; input the first settlement data, the second settlement data, and the credit data into a preset settlement index model to obtain the target user The settlement index.
In a specific implementation of the embodiment of the present specification, when the processing module 704 of the offline self-service settlement apparatus 700 determines whether the target user has completed self-service settlement based on the settlement index, it can be specifically used for:
The settlement index is compared with a preset threshold; if the settlement index is greater than or equal to the preset threshold, it is determined that the target user has completed self-service settlement; otherwise, it is determined that the target user has not completed the self-service settlement. Settlement.
In a specific implementation of the embodiment of this specification, when the processing module 804 of the offline self-service settlement apparatus 800 determines whether to release the target user based on the self-service settlement result, it can be specifically used to:
If the target user completes self-service settlement, control the interception device to be turned on to release the target user; otherwise, control the interception device to remain closed to intercept the target user.
In a specific implementation of the embodiment of this specification, when the processing module 804 of the offline self-service settlement apparatus 800 determines whether to release the target user based on the self-service settlement result, it can be specifically used to:
If the target user completes the self-service settlement, no processing is performed to release the target user; otherwise, an interception reminder is sent to the alarm device to intercept the target user.
In a specific implementation of the embodiment of this specification, the settlement information further includes: the first weight of the target user collected by the entrance inspection device, and the first weight of the target user carrying the commodity collected by the exit device. Two weight
The processing module 704 of the offline self-service settlement apparatus 700 is also used for:
Determine the product information and the first weight and second weight of the target user based on the biometric information; determine whether to perform settlement verification on the target user based on the product information, the first weight and the second weight of the target user .
In a specific implementation of the embodiment of the present specification, the processing module 704 of the offline self-service settlement apparatus 700 determines whether to perform the processing on the target user based on the product information of the target user and the first weight and the second weight. During settlement verification, it can be specifically used for:
Determine the total weight of the products selected by the target user based on the number of products and the weight of a single product in the product information of the target user; if the absolute value of the difference between the first weight and the second weight of the target user is greater than the target The total weight of the commodity selected by the user is checked for settlement by the target user; otherwise, no processing is performed.
In a specific implementation of the embodiment of the present specification, the offline self-service settlement apparatus 700 may further include: a marking module for returning the target to the exit inspection device in the processing module 704 After the user's self-service settlement result, the payment information and self-service settlement result of the local target user are marked as historical payment information and historical self-service settlement result, respectively.
It should be understood that the offline self-service settlement apparatus of the embodiment of this specification can also execute the methods in Figures 2a-5, and realize the corresponding functions of the offline self-service settlement apparatus (or equipment) in the embodiment shown in Figures 2a-5. I won't repeat them here.
In short, the above descriptions are only preferred embodiments of this specification, and are not intended to limit the protection scope of this specification. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this specification shall be included in the protection scope of this specification.
The systems, devices, modules, or units explained in the above embodiments may be implemented by computer chips or entities, or implemented by products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cell phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, and a wearable device. Or a combination of any of these devices.
Computer-readable media include permanent and non-permanent, removable and non-removable media, and information storage can be realized by any method or technology. Information can be computer-readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), and other types of random access memory (RAM) , Read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, CD-ROM, digital multi-function Optical discs (DVD) or other optical storage, magnetic cassettes, magnetic tape storage or other magnetic storage devices, or any other non-transmission media, can be used to store information that can be accessed by computing devices. According to the definition in this article, computer-readable media does not include transitory media, such as modulated data signals and carrier waves.
It should also be noted that the terms "include", "include" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or equipment including a series of elements not only includes those elements, but also includes Other elements that are not explicitly listed, or they also include elements inherent to such processes, methods, commodities, or equipment. If there are no more restrictions, the element defined by the sentence "including a..." does not exclude the existence of other identical elements in the process, method, commodity, or equipment that includes the element.
The various embodiments in this specification are described in a progressive manner, and the same or similar parts between the various embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, as for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and for related parts, please refer to the part of the description of the method embodiment.
