WO2020119713A1

WO2020119713A1 - Payment method and device

Info

Publication number: WO2020119713A1
Application number: PCT/CN2019/124525
Authority: WO
Inventors: 贺三元
Original assignee: 浙江口碑网络技术有限公司
Priority date: 2018-12-12
Filing date: 2019-12-11
Publication date: 2020-06-18
Also published as: CN109727015A

Abstract

A payment method and a device, wherein, the payment method comprises: receiving a payment request carrying a first user's biometric information sent from a merchant side (S100); determining a second user associated with the first user's biometric according to the first user's biometric information (S101); generating payment information to be confirmed according to the payment request, and sending the payment information to be confirmed to a client corresponding to the second user for a payment operation (S102).

Description

支付方法及装置Payment method and device

相关申请的交叉参考Cross-reference for related applications

本申请要求于2018年12月12日提交中国专利局、申请号为201811516041.0、名称为“支付方法及装置”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。This application requires the priority of a Chinese patent application filed on December 12, 2018 in the Chinese Patent Office with the application number 201811516041.0 and titled "Payment Methods and Devices", the entire contents of which are incorporated by reference in this application.

技术领域Technical field

本公开涉及支付技术领域，具体涉及一种支付方法及装置。The present disclosure relates to the field of payment technology, and in particular, to a payment method and device.

背景技术Background technique

随着支付技术的不断发展，人们已可以无需携带现金，利用手机等移动终端进行扫码等操作就能够方便地完成商品的支付。现有常用的支付方式一般涉及在手机等移动终端中下载并安装支付应用、注册用户账号、绑定银行卡、设置支付密码、扫描或生成二维码、选择支付方式以及输入支付密码等一系列操作。然而，对于老人、儿童等不熟悉移动终端操作的用户群体来说，支付所涉及的操作过于繁琐，不便于使用，另外，老人等还经常无法有效地识别消费欺诈，容易被骗取钱财。对于这类用户群体，需要有人从旁协助或监护其支付操作。With the continuous development of payment technology, people can easily complete the payment of goods without carrying cash, using mobile phones and other mobile terminals to scan codes and other operations. The existing commonly used payment methods generally involve downloading and installing payment applications on mobile terminals such as mobile phones, registering user accounts, binding bank cards, setting payment passwords, scanning or generating QR codes, selecting payment methods, and entering payment passwords. operating. However, for user groups such as the elderly and children who are unfamiliar with the operation of mobile terminals, the operations involved in payment are too cumbersome and inconvenient to use. In addition, the elderly and the like often cannot effectively identify consumer fraud and are easily defrauded for money. For such user groups, someone needs to assist or supervise their payment operations.

为解决监护老人等用户群体的支付操作的问题，申请公布号为CN104680372A的中国专利申请提供了一种交易安全支付方法，该方法在支付过程中支付终端需要根据交易操作指令发送产品交易信息和支付者身份信息至相关验证终端，由相关验证终端进行验证及同意交易后方可进行交易支付，从而使得监护人能够对需要监护的人员的相关消费进行远程监督。然而，采用该方法，在相关验证终端同意交易后还是需要老人自己在手机等支付终端中进行一系列支付操作，仍然存在着支付所涉及的操作过于繁琐，不便于使用的问题，导致支付效率较低。In order to solve the problem of payment operations for the elderly and other user groups, the Chinese patent application with application publication number CN104680372A provides a transaction security payment method. In the payment process, the payment terminal needs to send product transaction information and payment according to the transaction operation instructions. The identity information of the person is sent to the relevant verification terminal, and the payment can only be made after the relevant verification terminal verifies and agrees to the transaction, so that the guardian can remotely supervise the relevant consumption of the person who needs guardianship. However, with this method, after the relevant verification terminal agrees to the transaction, the old person still needs to perform a series of payment operations in the payment terminal such as a mobile phone. There are still problems that the operation involved in the payment is too cumbersome and inconvenient to use, resulting in more efficient payment. low.

发明内容Summary of the invention

鉴于上述问题，提出了本公开以便提供一种克服上述问题或者至少部分地解决上述问题的支付方法及装置。In view of the above problems, the present disclosure is proposed in order to provide a payment method and device that overcome the above problems or at least partially solve the above problems.

根据本公开的一个方面，提供了一种支付方法，该方法包括：According to an aspect of the present disclosure, a payment method is provided, the method including:

接收商户端发送的携带有第一用户生物特征信息的支付请求；Receiving the payment request sent by the merchant terminal and carrying the biometric information of the first user;

根据第一用户生物特征信息，确定与第一用户生物特征相关联的第二用户；Determine the second user associated with the first user's biometrics based on the first user's biometrics information;

根据支付请求，生成支付待确认信息，并将支付待确认信息发送给第二用户对应的客户端进行支付操作。According to the payment request, the payment pending confirmation information is generated, and the payment pending confirmation information is sent to the client corresponding to the second user for the payment operation.

根据本公开的另一方面，提供了一种支付确认方法，该方法包括：According to another aspect of the present disclosure, a payment confirmation method is provided, the method including:

接收服务端根据支付请求生成并发送的支付待确认信息；其中，服务端根据商户端发送的携带有第一用户生物特征信息的支付请求而确定的与第一用户生物特征相关联的第二用户；Receive the payment to be confirmed information generated and sent by the server according to the payment request; wherein, the server determines the second user associated with the first user's biometrics according to the payment request sent by the merchant and carrying the first user's biometrics information ;

根据第二用户执行的支付确认操作，向服务端发送确认成功结果，以供服务端根据确认成功结果从第二用户对应的支付账户中进行扣款处理。According to the payment confirmation operation performed by the second user, a confirmation success result is sent to the server for the server to perform a deduction process from the payment account corresponding to the second user according to the confirmation success result.

根据本公开的另一方面，提供了一种支付装置，该装置包括：According to another aspect of the present disclosure, a payment device is provided, the device comprising:

第一接收模块，适于接收商户端发送的携带有第一用户生物特征信息的支付请求；The first receiving module is adapted to receive the payment request sent by the merchant terminal and carrying the biometric information of the first user;

确定模块，适于根据第一用户生物特征信息，确定与第一用户生物特征相关联的第二用户；The determining module is adapted to determine the second user associated with the first user's biometrics based on the first user's biometrics information;

生成模块，适于根据支付请求，生成支付待确认信息；The generating module is adapted to generate payment to be confirmed information according to the payment request;

第一发送模块，适于将支付待确认信息发送给第二用户对应的客户端进行支付操作。The first sending module is adapted to send payment to be confirmed information to the client corresponding to the second user for payment operation.

根据本公开的另一方面，提供了一种支付确认装置，该装置包括：According to another aspect of the present disclosure, there is provided a payment confirmation device, the device comprising:

第二接收模块，适于接收服务端根据支付请求生成并发送的支付待确认信息；其中，服务端根据商户端发送的携带有第一用户生物特征信息的支付请求而确定的与第一用户生物特征相关联的第二用户；The second receiving module is adapted to receive payment-to-confirm information generated and sent by the server according to the payment request; wherein, the server determines the biometric information related to the first user according to the payment request sent by the merchant and carrying the biometric information of the first user The second user associated with the feature;

第二发送模块，适于根据第二用户执行的支付确认操作，向服务端发送确认成功结果，以供服务端根据确认成功结果从第二用户对应的支付账户中进行扣款处理。The second sending module is adapted to send a successful confirmation result to the server according to the payment confirmation operation performed by the second user, so that the server can perform deduction processing from the payment account corresponding to the second user according to the successful confirmation result.

根据本发明的另一方面，提供了一种计算设备，包括：处理器、存储器、通信接口和通信总线，处理器、存储器和通信接口通过通信总线完成相互间的通信；According to another aspect of the present invention, a computing device is provided, including: a processor, a memory, a communication interface, and a communication bus. The processor, the memory, and the communication interface complete communication with each other through the communication bus;

存储器用于存放至少一可执行指令，可执行指令使处理器执行上述支付方法对应的操作。The memory is used to store at least one executable instruction, and the executable instruction causes the processor to perform the operation corresponding to the above payment method.

根据本公开的另一方面，提供了一种非易失性计算机可读存储介质，存储介质中存储有至少一可执行指令，可执行指令使处理器执行如上述支付方法对应的操作。According to another aspect of the present disclosure, a non-volatile computer-readable storage medium is provided, in which at least one executable instruction is stored, and the executable instruction causes a processor to perform an operation corresponding to the payment method described above.

根据本公开的又一方面，提供了一种计算机程序产品，该计算机程序产品包括存储在非易失性计算机存储介质上的计算机程序，计算机程序包括程序指令，当该程序指令被处理器执行时，使处理器执行上述的支付方法对应的操作。According to yet another aspect of the present disclosure, there is provided a computer program product including a computer program stored on a non-volatile computer storage medium, the computer program including program instructions, when the program instructions are executed by a processor To enable the processor to perform the operation corresponding to the above payment method.

根据本公开的又一方面，提供了一种计算设备，包括：处理器、存储器、通信接口和通信总线，处理器、存储器和通信接口通过通信总线完成相互间的通信；According to yet another aspect of the present disclosure, a computing device is provided, including: a processor, a memory, a communication interface, and a communication bus, and the processor, the memory, and the communication interface complete communication with each other through the communication bus;

存储器用于存放至少一可执行指令，可执行指令使处理器执行上述支付确认方法对应的操作。The memory is used to store at least one executable instruction, and the executable instruction causes the processor to perform the operation corresponding to the above payment confirmation method.

根据本公开的再一方面，提供了一种非易失性计算机可读存储介质，存储介质中存储有至少一可执行指令，可执行指令使处理器执行如上述支付确认方法对应的操作。According to still another aspect of the present disclosure, a non-volatile computer-readable storage medium is provided, in which at least one executable instruction is stored in the storage medium, and the executable instruction causes the processor to perform an operation corresponding to the payment confirmation method described above.

根据本公开的再又一方面，提供了一种计算机程序产品，该计算机程序产品包括存储在非易失性计算机存储介质上的计算机程序，计算机程序包括程序指令，当该程序指令被处理器执行时，使处理器执行上述的支付确认方法对应的操作。According to still another aspect of the present disclosure, there is provided a computer program product including a computer program stored on a non-volatile computer storage medium, the computer program including program instructions, when the program instructions are executed by a processor , The processor is caused to perform the operation corresponding to the above payment confirmation method.

根据本公开提供的技术方案，能够根据支付请求中的第一用户生物特征信息，确定与第一用户生物特征相关联的第二用户，生成支付待确认信息，将支付待确认信息发送给第二用户对应的客户端进行支付操作，实现了第二用户对第一用户的支付操作的监护，使第二用户能够便捷地为第一用户远程支付；并且，使得第一用户无需携带现金或者移动终端就能够方便地完成支付，有效地简化了支付操作，节省了在支付过程中所耗费的时间，提高了支付的便捷性，极大地提高了用户体验感以及支付效率，优化了支付方式，很好地解决了第一用户不会使用移动终端进行支付操作的问题。According to the technical solution provided by the present disclosure, it is possible to determine the second user associated with the biometrics of the first user based on the biometric information of the first user in the payment request, generate payment confirmation information, and send the payment confirmation information to the second The client corresponding to the user performs the payment operation, which enables the second user to monitor the payment operation of the first user, so that the second user can conveniently pay for the first user remotely; and, the first user does not need to carry cash or a mobile terminal Payment can be completed conveniently, which simplifies the payment operation, saves time spent in the payment process, improves the convenience of payment, greatly improves the user experience and payment efficiency, and optimizes the payment method. Very good This solves the problem that the first user will not use the mobile terminal for payment operations.

上述说明仅是本公开技术方案的概述，为了能够更清楚了解本公开的技术手段，而可依照说明书的内容予以实施，并且为了让本公开的上述和其它目的、特征和优点能够更明显易懂，以下特举本公开的具体实施方式。The above description is only an overview of the technical solutions of the present disclosure. In order to be able to understand the technical means of the present disclosure more clearly, it can be implemented in accordance with the contents of the specification, and in order to make the above and other purposes, features and advantages of the present disclosure more obvious and understandable In the following, specific embodiments of the present disclosure are specifically mentioned.

附图说明BRIEF DESCRIPTION

通过阅读下文优选实施方式的详细描述，各种其他的优点和益处对于本领域普通技术人员将变得清楚明了。附图仅用于示出优选实施方式的目的，而并不认为是对本公开的限制。而且在整个附图中，用相同的参考符号表示相同的部件。在附图中：By reading the detailed description of the preferred embodiments below, various other advantages and benefits will become clear to those of ordinary skill in the art. The drawings are only for the purpose of showing the preferred embodiments, and are not considered as limitations to the present disclosure. Furthermore, the same reference numerals are used to denote the same parts throughout the drawings. In the drawings:

图1示出了根据本公开实施例的支付方法的流程示意图；FIG. 1 shows a schematic flowchart of a payment method according to an embodiment of the present disclosure;

图2示出了根据本公开实施例的支付确认方法的流程示意图；2 shows a schematic flowchart of a payment confirmation method according to an embodiment of the present disclosure;

图3示出了根据本公开实施例的支付装置的结构框图；3 shows a structural block diagram of a payment device according to an embodiment of the present disclosure;

图4示出了根据本公开实施例的支付确认装置的结构框图；4 shows a structural block diagram of a payment confirmation device according to an embodiment of the present disclosure;

图5示出了根据本公开实施例的一种计算设备的结构示意图。FIG. 5 shows a schematic structural diagram of a computing device according to an embodiment of the present disclosure.

具体实施方式detailed description

下面将参照附图更详细地描述本公开的示例性实施例。虽然附图中显示了本公开的示例性实施例，然而应当理解，可以以各种形式实现本公开而不应被这里阐述的实施例所限制。相反，提供这些实施例是为了能够更透彻地理解本公开，并且能够将本公开的范围完整的传达给本领域的技术人员。Hereinafter, exemplary embodiments of the present disclosure will be described in more detail with reference to the accompanying drawings. Although the exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure can be implemented in various forms and should not be limited by the embodiments set forth herein. Rather, these embodiments are provided to enable a more thorough understanding of the present disclosure and to fully convey the scope of the present disclosure to those skilled in the art.

图1示出了根据本公开实施例的支付方法的流程示意图，如图1所示，该方法包括如下步骤：FIG. 1 shows a schematic flowchart of a payment method according to an embodiment of the present disclosure. As shown in FIG. 1, the method includes the following steps:

步骤S100，接收商户端发送的携带有第一用户生物特征信息的支付请求。Step S100: Receive a payment request that carries the biometric information of the first user and sent by the merchant.

该方法由服务端执行。商户端可为设置于商超店铺、餐饮店铺等中具有摄像和交易结算等功能的终端设备。当第一用户想要在店铺中进行交易结算时，第一用户只需站到该店铺中的商户端前，由商户端采集第一用户生物特征信息。其中，第一用户可为老人、儿童等需要被监护的用户，但并不限于上述用户。第一用户生物特征信息可包括第一用户面部图像、第一用户视频信息和/或第一用户语音信息等。This method is executed by the server. The merchant terminal may be a terminal device installed in a supermarket store, a restaurant, etc. that has functions such as camera shooting and transaction settlement. When the first user wants to perform transaction settlement in the store, the first user only needs to stand in front of the merchant side in the store, and the merchant side collects the first user biometric information. The first user may be a user who needs to be monitored, such as an elderly person or a child, but it is not limited to the above-mentioned users. The first user biometric information may include a first user facial image, a first user video information, and/or a first user voice information.

以老人为第一用户为例，当老人在超市中挑选完商品需要进行结账时，无需携带现金或手机，只需站在超市中的商户端(例如收银终端)前面，由商户端采集该老人的生物特征信息，得到第一用户生物特征信息。假设第一用户生物特征信息为第一用户视频信息，老人在视频中可叙说自己今天去哪个超市买了哪些商品需要花费多少钱等等，另外，老人在视频中也可不说话，只是作出眨眼等动作。Taking the old man as the first user for example, when the old man picks up the goods in the supermarket and needs to check out, there is no need to carry cash or mobile phone, just stand in front of the merchant terminal (such as the cash register terminal) in the supermarket, and the merchant terminal collects the old man To obtain the biometric information of the first user. Assuming that the first user's biometric information is the first user's video information, the old man can describe in the video how much money he needs to buy in which supermarket, and so on. In addition, the old man can not speak in the video, just make a blink, etc. action.

商户端将采集到的第一用户生物特征信息添加至支付请求中，使得支付请求携带有第一用户生物特征信息，另外，支付请求中还可携带有商户端ID、交易店铺、交易商品、交易金额和/或交易时间等信息，此处不做限定。然后商户端将携带有第一用户生物特征信息的支付请求发送至服务端，以便服务端根据第一用户生物特征信息确定与第一用户生物特征相关联的第二用户。其中，第二用户是指用于监护第一用户的用户，具体可为老人的儿女、儿童的父母等。The merchant side adds the collected first user biometric information to the payment request, so that the payment request carries the first user biometric information, and in addition, the payment request can also carry the merchant terminal ID, transaction shop, transaction commodity, transaction Information such as amount and/or transaction time is not limited here. Then, the merchant sends the payment request carrying the biometric information of the first user to the server, so that the server determines the second user associated with the biometric of the first user according to the biometric information of the first user. The second user refers to a user who is used to monitor the first user, and may specifically be children of the elderly, parents of children, and so on.

步骤S101，根据第一用户生物特征信息，确定与第一用户生物特征相关联的第二用户。Step S101: Determine a second user associated with the first user's biometrics based on the first user's biometrics information.

在接收到商户端发送的支付请求之后，服务端根据第一用户生物特征信息，确定与第一用户生物特征相关联的第二用户。其中，为了便于服务端根据第一用户生物特征信息确定与第一用户生物特征相关联的第二用户，服务端需要预先收集第一用户生物特征，利用所收集的第一用户生物特征构建数据库。具体地，服务端接收第二用户对应的客户端发送的第一用户生物特征，接着对第一用户生物特征进行校验，校验通过后，将第一用户生物特征存储至数据库中，并将第一用户生物特征与该第二用户进行绑定。其中，第二用户对应的客户端可为第二用户的手机等终端设备。After receiving the payment request sent by the merchant, the server determines the second user associated with the biometrics of the first user according to the biometric information of the first user. In order to facilitate the server to determine the second user associated with the first user's biometrics based on the first user's biometrics, the server needs to collect the first user's biometrics in advance and use the collected first user's biometrics to build a database. Specifically, the server receives the biometrics of the first user sent by the client corresponding to the second user, and then verifies the biometrics of the first user. After the verification is passed, the biometrics of the first user are stored in the database, and The first user biometric is bound to the second user. The client corresponding to the second user may be a terminal device such as a mobile phone of the second user.

当第二用户利用其客户端进行绑定操作时，可利用摄像设备、指纹采集设备等采集第一用户生物特征，其中，第一用户生物特征可包括：面部特征、语音特征、指纹特征、手形特征和/或虹膜特征等。第二用户对应的客户端将采集得到的第一用户生物特征发送至服务端；服务端接收第二用户对应的客户端发送的第一用户生物特征，利用预设特征校验算法对第一用户生物特征进行校验；若校验通过，则将第一用户生物特征存储至数据库中，将第一用户生物特征与该第二用户进行绑定，并向第二用户对应的客户端发送校验成功结果；若校验不通过，则向第二用户对应的客户端发送校验失败结果，以便第二用户获知校验失败结果，再次对第一用户生物特征进行采集。另外，为了便于进行扣款，第二用户还需利用第二用户对应的客户端对支付账户和支付方式等进行设置。具体地，所设置的支付账户可以是第二用户的支付账户，也可以是第一用户的支付账户，此处不做限定。支付方式可为直接支付或者经确认后支付。When the second user uses his client to perform the binding operation, the first user's biometrics can be collected using camera devices, fingerprint collection devices, etc., where the first user's biometrics can include: facial features, voice features, fingerprint features, hand shapes Characteristics and/or iris characteristics, etc. The client corresponding to the second user sends the collected biometrics of the first user to the server; the server receives the biometrics of the first user sent by the client corresponding to the second user, and uses a preset feature verification algorithm for the first user Verify the biometrics; if the verification passes, store the biometrics of the first user in the database, bind the biometrics of the first user to the second user, and send the verification to the client corresponding to the second user Successful result; if the verification fails, the verification failure result is sent to the client corresponding to the second user, so that the second user learns the verification failure result and collects the first user's biometrics again. In addition, in order to facilitate the deduction, the second user also needs to use the client corresponding to the second user to set the payment account and payment method. Specifically, the set payment account may be the payment account of the second user or the payment account of the first user, which is not limited herein. The payment method can be direct payment or payment after confirmation.

在接收到商户端发送的支付请求之后，服务端从第一用户生物特征信息中提取第一用户生物特征，判断数据库中是否存储有与第一用户生物特征相匹配的用户生物特征。其中，可利用现有技术中的生物特征识别技术，将第一用户生物特征与数据库中所存储的用户生物特征进行匹配，查找数据库中是否存在与第一用户生物特征相匹配的用户生物特征。After receiving the payment request sent by the merchant, the server extracts the first user biometrics from the first user biometrics information, and determines whether the user biometrics matching the first user biometrics are stored in the database. Among them, the biometrics identification technology in the prior art can be used to match the biometrics of the first user with the biometrics of the user stored in the database to find out whether there are biometrics of the user that match the biometrics of the first user in the database.

若判断出数据库中存储有与第一用户生物特征相匹配的用户生物特征，则确定该相匹配的用户生物特征所绑定的用户为第二用户；若判断出数据库中未存储有与第一用户生物特征相匹配的用户生物特征，则向商户端返回支付失败信息。商户端接收并展示服务端返回的支付失败信息，在这种情况下，第一用户可选择以现金等其他方式进行支付，或者，利用商户端重新采集第一用户生物特征信息，并向服务端发送携带有第一用户生物特征信息的支付请求。If it is determined that user biometrics matching the first user's biometrics are stored in the database, the user bound to the matching user biometrics is determined to be the second user; if it is determined that the database is not stored with the first user's biometrics If the user's biological characteristics match the user's biological characteristics, payment failure information is returned to the merchant. The merchant receives and displays the payment failure information returned by the server. In this case, the first user can choose to pay in cash or other methods, or use the merchant to re-collect the first user's biometric information and send it to the server. Send a payment request carrying biometric information of the first user.

步骤S102，根据支付请求，生成支付待确认信息，并将支付待确认信息发送给第二用户对应的客户端进行支付操作。Step S102: Generate payment to be confirmed information according to the payment request, and send the payment to be confirmed information to the client corresponding to the second user for payment operation.

若与第一用户生物特征相关联的第二用户所设置的支付方式为经确认后支付，那么需要根据支付请求，生成支付待确认信息，并将支付待确认信息发送给第二用户对应的客户端，由第二用户对支付待确认信息进行确认。具体地，第一用户生物特征信息包括：第一用户视频信息，其中，第一用户视频信息包含有多张视频帧图像，可从第一用户视频信息中抽取至少一张视频帧图像；和/或，生成第一用户视频信息的播放地址；然后生成携带有至少一张视频帧图像和/或第一用户视频信息的播放地址的支付待确认信息。本领域技术人员可根据实际需要对所抽取的视频帧图像的张数进行设置，此处不做限定。If the payment method set by the second user associated with the biometrics of the first user is payment after confirmation, the payment to be confirmed information needs to be generated according to the payment request, and the payment to be confirmed information is sent to the customer corresponding to the second user At the end, the second user confirms the payment to be confirmed. Specifically, the first user biometric information includes: first user video information, where the first user video information includes multiple video frame images, and at least one video frame image can be extracted from the first user video information; and/ Or, generate a playback address of the first user's video information; and then generate payment to be confirmed information carrying at least one video frame image and/or the playback address of the first user's video information. A person skilled in the art may set the number of extracted video frame images according to actual needs, which is not limited here.

在生成了支付待确认信息之后，服务端将支付待确认信息发送给第二用户对应的客户端。在第二用户对应的客户端中，支付待确认信息可以以通知消息等形式进行展现。该第二用户对支付待确认信息进行确认，具体地，可验证至少一张视频帧图像中显示的第一用户是否为自己的关联用户，和/或，访问第一用户视频信息的播放地址查看第一用户视频信息来确认第一用户视频信息中显示的第一用户是否为自己的关联用户。After the payment confirmation information is generated, the server sends the payment confirmation information to the client corresponding to the second user. In the client corresponding to the second user, the information to be confirmed for payment may be presented in the form of a notification message or the like. The second user confirms the information to be confirmed for payment. Specifically, it can verify whether the first user displayed in at least one video frame image is his associated user, and/or access the playback address of the first user's video information to view The first user video information to confirm whether the first user displayed in the first user video information is its own associated user.

在本公开中，生成的是携带有至少一张视频帧图像和/或第一用户视频信息的播放地址的支付待确认信息，并没有直接生成携带有第一用户视频信息的支付待确认信息，从而有效地减少了数据处理量和数据发送量，提高了支付待确认信息的生成效率和发送效率，同时也有助于避免第二用户对应的客户端由于接收待确认信息而消耗大量的流量；当支付待确认信息携带有至少一张视频帧图像时，第二用户能够方便、快速地通过查看视频帧图像对第一用户的身份进行确认；当支付待确认信息携带有第一用户视频信息的播放地址时，第二用户能够方便地通过访问播放地址查看第一用户视频信息。In the present disclosure, payment to be confirmed information carrying at least one video frame image and/or the playback address of the first user's video information is generated, and payment to be confirmed information carrying the first user's video information is not directly generated, This effectively reduces the amount of data processing and data transmission, improves the efficiency of generating and sending payment information to be confirmed, and also helps to avoid the client corresponding to the second user consuming a lot of traffic due to receiving the information to be confirmed; when When the payment to be confirmed information carries at least one video frame image, the second user can conveniently and quickly confirm the identity of the first user by viewing the video frame image; when the payment to be confirmed information carries the playback of the first user video information At the address, the second user can conveniently view the video information of the first user by accessing the playback address.

若支付待确认信息既携带有至少一张视频帧图像又携带有第一用户视频信息的播放地址，那么第二用户可根据自身确认需求选择是否访问播放地址。假如第二用户通过查看视频帧图像就能够明确地确认出视频帧图像中的第一用户是否为自己的关联用户，那么第二用户就无需访问第一用户视频信息的播放地址来查看第一用户视频信息。If the payment-to-be-confirmed information carries at least one video frame image and the playback address of the first user's video information, the second user can choose whether to access the playback address according to his own confirmation requirements. If the second user can clearly confirm whether the first user in the video frame image is his associated user by viewing the video frame image, then the second user does not need to access the playback address of the first user video information to view the first user Video information.

可选地，支付请求还可携带有：第一用户语音信息；在步骤S102中可生成携带有至少一张视频帧图像和/或第一用户视频信息的播放地址、以及第一用户语音信息的支付待确认信息。第二用户根据支付待确认信息能够更为方便、准确地对第一用户的身份进行确认。其中，第二用户可验证至少一张视频帧图像中显示的第一用户是否为自己的关联用户，和/或，访问第一用户视频信息的播放地址查看第一用户视频信息来确认第一用户视频信息中显示的第一用户是否为自己的关联用户、以及验证第一用户语音信息对应的第一用户是否为自己的关联用户。Optionally, the payment request may also carry: first user voice information; in step S102, a playback address carrying at least one video frame image and/or first user video information, and a first user voice information may be generated Payment information to be confirmed. The second user can confirm the identity of the first user more conveniently and accurately according to the payment to be confirmed information. The second user may verify whether the first user displayed in at least one video frame image is his associated user, and/or access the playback address of the first user video information to view the first user video information to confirm the first user Whether the first user displayed in the video information is his own associated user, and it is verified whether the first user corresponding to the voice information of the first user is his own associated user.

当第二用户确认出第一用户是自己的关联用户时，第二用户通过其对应的客户端执行支付确认操作，那么第二用户对应的客户端根据第二用户执行的支付确认操作，向服务端发送确认成功结果；当第二用户确认出第一用户不是自己的关联用户时，第二用户通过其对应的客户端执行拒绝支付操作，那么第二用户对应的客户端根据第二用户执行的拒绝支付操作，向服务端发送确认失败结果。When the second user confirms that the first user is his associated user, the second user performs the payment confirmation operation through its corresponding client, then the client corresponding to the second user sends the service to the service according to the payment confirmation operation performed by the second user The terminal sends a confirmation success result; when the second user confirms that the first user is not his associated user, the second user performs a payment rejection operation through its corresponding client, then the client corresponding to the second user performs Reject the payment operation and send a confirmation result to the server.

当服务端接收到第二用户对应的客户端发送的确认成功结果时，从第二用户对应的支付账户中进行扣款处理，从而实现了第二用户对第一用户的支付操作的监护，使得第一用户无需使用现金或自己的手机等进行支付，而是由第二用户远程为其支付。When the server receives the confirmation result sent by the client corresponding to the second user, it deducts the payment from the payment account corresponding to the second user, thereby realizing the monitoring of the payment operation of the first user by the second user, so that The first user does not need to use cash or his mobile phone to pay, but the second user pays for it remotely.

为了便于商户端获知支付结果，在扣款成功后，服务端向商户端返回支付成功处理结果，商户端在其显示屏幕上展示支付成功处理结果，说明已成功支付，那么第一用户就可以离开店铺了。利用该方法，老人、儿童等无需携带现金或者移动终端，只需站在商户端前由商户端采集用户生物特征信息，待其关联的用户确认后就能够完成支付，有效地简化了老人、儿童等所需执行的支付操作，提高了支付效率和支付的便捷性，还有助于缩短排队等待支付的时间。In order to facilitate the merchant to know the payment result, after the deduction is successful, the server returns the successful payment processing result to the merchant. The merchant displays the successful payment processing result on its display screen, indicating that the payment has been successfully paid, then the first user can leave The store is gone. With this method, the elderly and children do not need to carry cash or mobile terminals. They only need to stand in front of the merchant to collect the user's biometric information, and the payment can be completed after the associated user confirms, effectively simplifying the elderly and children. Waiting for the required payment operation improves the efficiency of payment and the convenience of payment, and also helps to shorten the waiting time for payment in line.

可选地，该方法还可包括：在商户端与第二用户对应的客户端之间建立视频通话连接或语音通话连接。假设在服务端将支付待确认信息发送给第二用户对应的客户端之后，在预设时间内一直未接收到第二用户对应的客户端发送的确认成功结果，那么可在商户端与第二用户对应的客户端之间建立视频通话连接或语音通话连接，使得第一用户能够和第二用户进行通话，提醒第二用户尽快执行支付确认操作。Optionally, the method may further include: establishing a video call connection or a voice call connection between the merchant terminal and the client corresponding to the second user. Assuming that after the server sends the payment to be confirmed information to the client corresponding to the second user, the confirmation success result sent by the client corresponding to the second user has not been received within the preset time, then the merchant and the second A video call connection or a voice call connection is established between the client corresponding to the user, so that the first user can make a call with the second user, and remind the second user to perform the payment confirmation operation as soon as possible.

可选地，该方法还可包括：当接收到第二用户对应的客户端发送的确认失败结果时，拒绝支付请求，并向商户端返回支付失败处理结果。具体地，若第二用户执行的是拒绝支付操作，那么第二用户对应的客户端根据第二用户执行的拒绝支付操作，向服务端发送确认失败结果。当服务端接收到第二用户对应的客户端发送的确认失败结果时，服务端拒绝该支付请求，并向商户端返回支付失败处理结果，那么商户端在其显示屏幕上展示支付失败处理结果，说明未成功支付，第一用户可以选择现金支付或其他支付方式。Optionally, the method may further include: when receiving the confirmation failure result sent by the client corresponding to the second user, rejecting the payment request, and returning the payment failure processing result to the merchant. Specifically, if the second user performs a payment rejection operation, the client corresponding to the second user sends a confirmation failure result to the server according to the payment rejection operation performed by the second user. When the server receives the confirmation failure result sent by the client corresponding to the second user, the server rejects the payment request and returns the payment failure processing result to the merchant, then the merchant displays the payment failure processing result on its display screen, It means that the payment was not successful. The first user can choose cash payment or other payment methods.

若与第一用户生物特征相关联的第二用户所设置的支付方式为直接支付，说明无需第二用户确认服务端即可直接从第二用户对应的支付账户中进行扣款处理，在扣款成功后，向商户端返回支付成功处理结果。If the payment method set by the second user associated with the biometrics of the first user is direct payment, it means that the deduction process can be performed directly from the payment account corresponding to the second user without the second user confirming the server. After success, return the successful payment processing result to the merchant.

本实施例提供的支付方法，能够根据支付请求中的第一用户生物特征信息，确定与第一用户生物特征相关联的第二用户，生成支付待确认信息，将支付待确认信息发送给第二用户对应的客户端进行支付操作，实现了第二用户对第一用户的支付操作的监护，使第二用户能够便捷地为第一用户远程支付；并且，使得第一用户无需携带现金或者移动终端就能够方便地完成支付，有效地简化了支付操作，节省了在支付过程中所耗费的时间，提高了支付的便捷性，极大地提高了用户体验感以及支付效率，优化了支付方式，很好地解决了第一用户不会使用移动终端进行支付操作的问题。The payment method provided in this embodiment can determine the second user associated with the biometrics of the first user according to the biometric information of the first user in the payment request, generate payment confirmation information, and send the payment confirmation information to the second The client corresponding to the user performs the payment operation, which enables the second user to monitor the payment operation of the first user, so that the second user can conveniently pay for the first user remotely; and, the first user does not need to carry cash or a mobile terminal Payment can be completed conveniently, which simplifies the payment operation, saves time spent in the payment process, improves the convenience of payment, greatly improves the user experience and payment efficiency, and optimizes the payment method. Very good This solves the problem that the first user will not use the mobile terminal for payment operations.

图2示出了根据本公开实施例的支付确认方法的流程示意图，如图2所示，该方法包括如下步骤：FIG. 2 shows a schematic flowchart of a payment confirmation method according to an embodiment of the present disclosure. As shown in FIG. 2, the method includes the following steps:

步骤S200，接收服务端根据支付请求生成并发送的支付待确认信息。Step S200: Receive payment-to-confirm information generated and sent by the server according to the payment request.

该方法由第二用户对应的客户端执行。其中，服务端根据商户端发送的携带有第一用户生物特征信息的支付请求而确定的与第一用户生物特征相关联的第二用户。具体地，服务端从第一用户生物特征信息中提取第一用户生物特征，判断数据库中是否存储有与第一用户生物特征相匹配的用户生物特征，若判断出数据库中存储有与第一用户生物特征相匹配的用户生物特征，则确定该相匹配的用户生物特征所绑定的用户为第二用户。服务端根据支付请求生成支付待确认信息，并向第二用户对应的客户端发送支付待确认信息，那么在步骤S200中，第二用户对应的客户端接收服务端发送的支付待确认信息。This method is executed by the client corresponding to the second user. Wherein, the server determines the second user associated with the biometrics of the first user according to the payment request sent by the merchant and carrying the biometric information of the first user. Specifically, the server extracts the biometrics of the first user from the biometric information of the first user, and determines whether the biometrics of the user matching the biometrics of the first user are stored in the database, and if the biometrics of the first user are stored in the database If the biometrics of the user whose biometrics match, the user bound to the biometrics of the matched user is determined to be the second user. The server generates payment to-be-confirmed information according to the payment request and sends payment-to-confirm information to the client corresponding to the second user. Then, in step S200, the client corresponding to the second user receives the payment-to-confirm information sent by the server.

步骤S201，根据第二用户执行的支付确认操作，向服务端发送确认成功结果，以供服务端根据确认成功结果从第二用户对应的支付账户中进行扣款处理。In step S201, according to the payment confirmation operation performed by the second user, a successful confirmation result is sent to the server for the server to perform the deduction process from the payment account corresponding to the second user according to the successful confirmation result.

其中，支付待确认信息可携带有至少一张视频帧图像和/或第一用户视频信息的播放地址，那么在步骤S201中根据第二用户通过验证至少一张视频帧图像和/或通过访问第一用户视频信息的播放地址查看第一用户视频信息后执行的支付确认操作，向服务端发送确认成功结果。在接收到支付待确认信息之后，在第二用户对应的客户端中展现支付待确认信息，第二用户可验证至少一张视频帧图像中显示的第一用户是否为自己的关联用户，和/或，访问第一用户视频信息的播放地址查看第一用户视频信息来确认第一用户视频信息中显示的第一用户是否为自己的关联用户。当第二用户确认出第一用户是自己的关联用户时，第二用户通过其对应的客户端执行支付确认操作，那么第二用户对应的客户端根据第二用户执行的支付确认操作，向服务端发送确认成功结果。Wherein the payment to be confirmed information may carry at least one video frame image and/or the playback address of the first user's video information, then in step S201, according to the second user pass the verification of at least one video frame image and/or by accessing the first A user's video information playback address performs a payment confirmation operation after viewing the first user's video information, and sends a confirmation success result to the server. After receiving the payment to be confirmed information, the payment to be confirmed information is displayed in the client corresponding to the second user, the second user may verify whether the first user displayed in at least one video frame image is his own associated user, and/or Or, access the playback address of the first user video information to view the first user video information to confirm whether the first user displayed in the first user video information is its own associated user. When the second user confirms that the first user is his associated user, the second user performs the payment confirmation operation through its corresponding client, then the client corresponding to the second user sends the service to the service according to the payment confirmation operation performed by the second user The terminal sends a confirmation success result.

可选地，支付待确认信息还可携带有第一用户语音信息，使得第二用户能够更为方便、准确地对第一用户的身份进行确认。具体地，在步骤S201中，根据第二用户通过验证至少一张视频帧图像和/或通过访问第一用户视频信息的播放地址查看第一用户视频信息、以及通过验证第一用户语音信息后执行的支付确认操作，向服务端发送确认成功结果。其中，第二用户可验证至少一张视频帧图像中显示的第一用户是否为自己的关联用户，和/或，访问第一用户视频信息的播放地址查看第一用户视频信息来确认第一用户视频信息中显示的第一用户是否为自己的关联用户、以及验证第一用户语音信息对应的第一用户是否为自己的关联用户。当第二用户确认出第一用户是自己的关联用户时，第二用户通过其对应的客户端执行支付确认操作，那么第二用户对应的客户端根据第二用户执行的支付确认操作，向服务端发送确认成功结果。Optionally, the information to be confirmed for payment may also carry the voice information of the first user, so that the second user can confirm the identity of the first user more conveniently and accurately. Specifically, in step S201, after the second user verifies at least one video frame image and/or accesses the playback address of the first user's video information to view the first user's video information and the first user's voice information is executed The payment confirmation operation is sent to the server to confirm the successful result. The second user may verify whether the first user displayed in at least one video frame image is his associated user, and/or access the playback address of the first user video information to view the first user video information to confirm the first user Whether the first user displayed in the video information is his own associated user, and it is verified whether the first user corresponding to the voice information of the first user is his own associated user. When the second user confirms that the first user is his associated user, the second user performs the payment confirmation operation through its corresponding client, then the client corresponding to the second user sends the service to the service according to the payment confirmation operation performed by the second user The terminal sends a confirmation success result.

可选地，支付待确认信息还可携带有交易商品、交易金额等信息，第二用户可对交易商品和交易金额是否存在异常进行验证，有助于确保第一用户所购买的商品不会出现问题。Optionally, the payment to be confirmed information may also carry information such as transaction commodities and transaction amounts. The second user may verify whether the transaction commodities and transaction amounts are abnormal, which helps ensure that the commodities purchased by the first user will not appear problem.

可选地，当第二用户确认出第一用户不是自己的关联用户，或者，交易商品、交易金额存在异常时，第二用户通过其对应的客户端执行拒绝支付操作，那么第二用户对应的客户端根据第二用户执行的拒绝支付操作，向服务端发送确认失败结果。Optionally, when the second user confirms that the first user is not his own associated user, or there is an abnormality in the transaction commodities or transaction amount, the second user performs a refusal payment operation through its corresponding client, then the second user’s corresponding The client sends a confirmation failure result to the server according to the payment rejection operation performed by the second user.

可选地，为了便于服务端根据商户端发送的携带有第一用户生物特征信息的支付请求确定与第一用户生物特征相关联的第二用户，在步骤S200之前，该方法还可包括：获取采集得到的第一用户生物特征，并将第一用户生物特征发送至服务端，以供服务端对第一用户生物特征进行校验，校验通过后，将第一用户生物特征存储至数据库中，并将第一用户生物特征与第二用户进行绑定。Optionally, in order to facilitate the server to determine the second user associated with the biometrics of the first user according to the payment request sent by the merchant and carrying the biometric information of the first user, before step S200, the method may further include: obtaining Collect the obtained first user biometrics and send the first user biometrics to the server for the server to verify the first user biometrics. After the verification is passed, the first user biometrics are stored in the database And bind the biometrics of the first user with the second user.

具体地，利用摄像设备、指纹采集设备等采集第一用户生物特征，第二用户对应的客户端将采集得到的第一用户生物特征发送至服务端；服务端接收第二用户对应的客户端发送的第一用户生物特征，利用预设特征校验算法对第一用户生物特征进行校验；若校验通过，则服务端将第一用户生物特征存储至数据库中，将第一用户生物特征与该第二用户进行绑定，并向第二用户对应的客户端发送校验成功结果；若校验不通过，则服务端向第二用户对应的客户端发送校验失败结果，以便第二用户获知校验失败结果，再次对第一用户生物特征进行采集。Specifically, the first user biometrics are collected by using a camera device, a fingerprint collection device, etc., and the client corresponding to the second user sends the collected first user biometrics to the server; the server receives the client corresponding to the second user. Of the first user’s biometrics, using a preset feature verification algorithm to verify the first user’s biometrics; if the verification passes, the server stores the first user’s biometrics in the database and compares the first user’s biometrics with The second user binds and sends a verification success result to the client corresponding to the second user; if the verification fails, the server sends a verification failure result to the client corresponding to the second user, so that the second user Knowing the result of the verification failure, the biometrics of the first user are collected again.

本实施例提供的支付确认方法，接收服务端根据支付请求生成并发送的支付待确认信息，并根据第二用户执行的支付确认操作，向服务端发送确认成功结果，以供服务端根据确认成功结果从第二用户对应的支付账户中进行扣款处理，实现了第二用户对第一用户的支付操作的监护，确保了第一用户所购买的商品不会出现问题，有效地减少了被骗的情况，并且还能够便捷地为第一用户远程支付，有效地简化了第一用户的支付操作，提高了支付的便捷性。The payment confirmation method provided in this embodiment receives the payment to-be-confirmed information generated and sent by the server according to the payment request, and sends a successful confirmation result to the server according to the payment confirmation operation performed by the second user for the server to confirm the success As a result, deduction processing is performed from the payment account corresponding to the second user, which realizes the second user's monitoring of the payment operation of the first user, ensures that the goods purchased by the first user will not have problems, and effectively reduces fraud Situation, and can also conveniently make remote payment for the first user, effectively simplifying the payment operation of the first user and improving the convenience of payment.

图3示出了根据本公开实施例的支付装置的结构框图，该装置可设置于服务端中。如图3所示，该装置300包括：第一接收模块310、确定模块320、生成模块330和第一发送模块340。FIG. 3 shows a structural block diagram of a payment device according to an embodiment of the present disclosure, and the device may be provided in a server. As shown in FIG. 3, the device 300 includes: a first receiving module 310, a determining module 320, a generating module 330, and a first sending module 340.

第一接收模块310适于：接收商户端发送的携带有第一用户生物特征信息的支付请求。The first receiving module 310 is adapted to: receive the payment request sent by the merchant terminal and carrying the biometric information of the first user.

确定模块320适于：根据第一用户生物特征信息，确定与第一用户生物特征相关联的第二用户。The determining module 320 is adapted to: according to the first user biometric information, determine the second user associated with the first user biometric.

可选地，确定模块320进一步适于：从第一用户生物特征信息中提取第一用户生物特征；判断数据库中是否存储有与第一用户生物特征相匹配的用户生物特征，若是，则确定该相匹配的用户生物特征所绑定的用户为第二用户。Optionally, the determining module 320 is further adapted to: extract the first user biometrics from the first user biometrics information; determine whether user biometrics matching the first user biometrics are stored in the database, and if so, determine the The user bound to the matched user biometrics is the second user.

生成模块330适于：根据支付请求，生成支付待确认信息。The generating module 330 is adapted to: generate payment pending confirmation information according to the payment request.

可选地，第一用户生物特征信息包括：第一用户视频信息；生成模块330进一步适于：从第一用户视频信息中抽取至少一张视频帧图像；和/或，生成第一用户视频信息的播放地址；生成携带有至少一张视频帧图像和/或第一用户视频信息的播放地址的支付待确认信息。Optionally, the first user biometric information includes: first user video information; the generating module 330 is further adapted to: extract at least one video frame image from the first user video information; and/or, generate the first user video information Playback address; generate payment to be confirmed information carrying the playback address of at least one video frame image and/or first user video information.

可选地，第一用户生物特征信息还可包括：第一用户语音信息。那么生成模块330进一步适于：生成携带有至少一张视频帧图像和/或第一用户视频信息的播放地址、以及第一用户语音信息的支付待确认信息。Optionally, the biometric information of the first user may further include: voice information of the first user. Then the generating module 330 is further adapted to: generate a playback address carrying at least one video frame image and/or first user video information, and payment to be confirmed information of the first user voice information.

第一发送模块340适于：将支付待确认信息发送给第二用户对应的客户端进行支付操作。The first sending module 340 is adapted to: send payment to be confirmed information to the client corresponding to the second user for payment operation.

可选地，第一发送模块340进一步适于：若判断出数据库中未存储有与第一用户生物特征相匹配的用户生物特征，则向商户端返回支付失败信息。Optionally, the first sending module 340 is further adapted to: if it is determined that the user biometrics matching the first user biometrics are not stored in the database, return payment failure information to the merchant.

第一接收模块310进一步适于：接收第二用户对应的客户端发送的确认成功结果或确认失败结果。The first receiving module 310 is further adapted to receive the confirmation success result or the confirmation failure result sent by the client corresponding to the second user.

可选地，该装置还可包括：支付处理模块350，适于当接收到第二用户对应的客户端发送的确认成功结果时，从第二用户对应的支付账户中进行扣款处理；当接收到第二用户对应的客户端发送的确认失败结果时，拒绝支付请求；第一发送模块340进一步适于：当扣款处理成功时，向商户端返回支付成功处理结果；当接收到第二用户对应的客户端发送的确认失败结果时，向商户端返回支付失败处理结果。Optionally, the apparatus may further include: a payment processing module 350, adapted to perform a deduction process from the payment account corresponding to the second user when receiving a successful confirmation result sent by the client corresponding to the second user; when receiving When the confirmation failure result sent by the client corresponding to the second user is rejected, the payment request is rejected; the first sending module 340 is further adapted to: when the deduction processing is successful, return the payment success processing result to the merchant; when the second user is received When the corresponding client sends a confirmation failure result, the payment failure processing result is returned to the merchant.

可选地，第一接收模块310进一步适于：接收第二用户对应的客户端发送的第一用户生物特征；该装置300还包括：校验存储模块360，适于对第一用户生物特征进行校验，校验通过后，将第一用户生物特征存储至数据库中，并将第一用户生物特征与第二用户进行绑定。Optionally, the first receiving module 310 is further adapted to: receive the first user biometrics sent by the client corresponding to the second user; the device 300 further includes: a verification storage module 360, adapted to perform the first user biometrics After verification, the biometrics of the first user are stored in the database, and the biometrics of the first user are bound to the second user.

可选地，该装置300还包括：通话连接模块370，适于在商户端与第二用户对应的客户端之间建立视频通话连接或语音通话连接。Optionally, the device 300 further includes a call connection module 370, which is adapted to establish a video call connection or a voice call connection between the merchant and the client corresponding to the second user.

本实施例提供的支付装置，能够根据支付请求中的第一用户生物特征信息，确定与第一用户生物特征相关联的第二用户，生成支付待确认信息，将支付待确认信息发送给第二用户对应的客户端进行支付操作，实现了第二用户对第一用户的支付操作的监护，使第二用户能够便捷地为第一用户远程支付；并且，使得第一用户无需携带现金或者移动终端就能够方便地完成支付，有效地简化了支付操作，节省了在支付过程中所耗费的时间，提高了支付的便捷性，极大地提高了用户体验感以及支付效率，优化了支付方式，很好地解决了第一用户不会使用移动终端进行支付操作的问题。The payment device provided in this embodiment can determine the second user associated with the biometrics of the first user according to the biometric information of the first user in the payment request, generate payment confirmation information, and send the payment confirmation information to the second The client corresponding to the user performs the payment operation, which enables the second user to monitor the payment operation of the first user, so that the second user can conveniently pay for the first user remotely; and, the first user does not need to carry cash or a mobile terminal Payment can be completed conveniently, which simplifies the payment operation, saves time spent in the payment process, improves the convenience of payment, greatly improves the user experience and payment efficiency, and optimizes the payment method. Very good This solves the problem that the first user will not use the mobile terminal for payment operations.

图4示出了根据本公开实施例的支付确认装置的结构框图，该装置可设置于第二用户对应的客户端中。如图4所示，该装置400包括：第二接收模块410和第二发送模块420。FIG. 4 shows a structural block diagram of a payment confirmation device according to an embodiment of the present disclosure. The device may be provided in a client corresponding to a second user. As shown in FIG. 4, the device 400 includes: a second receiving module 410 and a second sending module 420.

第二接收模块410适于：接收服务端根据支付请求生成并发送的支付待确认信息。其中，服务端根据商户端发送的携带有第一用户生物特征信息的支付请求而确定的与第一用户生物特征相关联的第二用户。The second receiving module 410 is adapted to receive payment to be confirmed information generated and sent by the server according to the payment request. Wherein, the server determines the second user associated with the biometrics of the first user according to the payment request sent by the merchant and carrying the biometric information of the first user.

第二发送模块420适于：根据第二用户执行的支付确认操作，向服务端发送确认成功结果，以供服务端根据确认成功结果从第二用户对应的支付账户中进行扣款处理。The second sending module 420 is adapted to send a confirmation success result to the server according to the payment confirmation operation performed by the second user, so that the server can perform a deduction process from the payment account corresponding to the second user according to the confirmation success result.

可选地，支付待确认信息携带有至少一张视频帧图像和/或第一用户视频信息的播放地址；第二发送模块420进一步适于：根据第二用户通过验证至少一张视频帧图像和/或通过访问第一用户视频信息的播放地址查看第一用户视频信息后执行的支付确认操作，向服务端发送确认成功结果。Optionally, the payment to-be-confirmed information carries at least one video frame image and/or a playback address of the first user's video information; the second sending module 420 is further adapted to: verify at least one video frame image and /Or a payment confirmation operation performed after viewing the first user video information by accessing the playback address of the first user video information, and sending a confirmation success result to the server.

可选地，支付待确认信息还携带有第一用户语音信息；第二发送模块420进一步适于：根据第二用户通过验证至少一张视频帧图像和/或通过访问第一用户视频信息的播放地址查看第一用户视频信息、以及通过验证第一用户语音信息后执行的支付确认操作，向服务端发送确认成功结果。Optionally, the payment to be confirmed information also carries the first user's voice information; the second sending module 420 is further adapted to: according to the second user by verifying at least one video frame image and/or by accessing the first user's video information for playback The address checks the first user's video information and the payment confirmation operation performed after verifying the first user's voice information, and sends a confirmation success result to the server.

可选地，该装置400还包括：获取模块430，适于获取采集得到的第一用户生物特征。第二发送模块420进一步适于：将第一用户生物特征发送至服务端，以供服务端对第一用户生物特征进行校验，校验通过后，将第一用户生物特征存储至数据库中，并将第一用户生物特征与第二用户进行绑定。Optionally, the device 400 further includes: an obtaining module 430, adapted to obtain the collected first user biometrics. The second sending module 420 is further adapted to send the first user's biometrics to the server for the server to verify the first user's biometrics. After the verification is passed, the first user's biometrics are stored in the database, And bind the biometrics of the first user with the second user.

本实施例提供的支付确认装置，接收服务端根据支付请求生成并发送的支付待确认信息，并根据第二用户执行的支付确认操作，向服务端发送确认成功结果，以供服务端根据确认成功结果从第二用户对应的支付账户中进行扣款处理，实现了第二用户对第一用户的支付操作的监护，确保了第一用户所购买的商品不会出现问题，有效地减少了被骗的情况，并且还能够便捷地为第一用户远程支付，有效地简化了第一用户的支付操作，提高了支付的便捷性。The payment confirmation device provided in this embodiment receives the payment to-be-confirmed information generated and sent by the server according to the payment request, and sends a confirmation success result to the server according to the payment confirmation operation performed by the second user for the server to confirm the success As a result, deduction processing is performed from the payment account corresponding to the second user, which realizes the second user's monitoring of the payment operation of the first user, ensures that the goods purchased by the first user will not have problems, and effectively reduces fraud Situation, and can also conveniently make remote payment for the first user, effectively simplifying the payment operation of the first user and improving the convenience of payment.

本公开还提供了一种非易失性计算机可读存储介质，该非易失性计算机可读存储介质存储有至少一可执行指令，可执行指令可执行上述任意方法实施例中的支付方法。The present disclosure also provides a non-volatile computer-readable storage medium that stores at least one executable instruction that can execute the payment method in any of the method embodiments described above.

图5示出了根据本公开实施例的一种计算设备的结构示意图，本公开具体实施例并不对计算设备的具体实现做限定。FIG. 5 shows a schematic structural diagram of a computing device according to an embodiment of the present disclosure. Specific embodiments of the present disclosure do not limit the specific implementation of the computing device.

如图5所示，该计算设备可以包括：处理器(processor)502、通信接口(Communications Interface)504、存储器(memory)506、以及通信总线508。As shown in FIG. 5, the computing device may include a processor 502, communications interface 504, memory 506, and a communication bus 508.

其中：among them:

处理器502、通信接口504、以及存储器506通过通信总线508完成相互间的通信。The processor 502, the communication interface 504, and the memory 506 communicate with each other through the communication bus 508.

通信接口504，用于与其它设备比如客户端或其它服务器等的网元通信。The communication interface 504 is used to communicate with network elements of other devices such as clients or other servers.

处理器502，用于执行程序510，具体可以执行上述支付方法实施例中的相关步骤。The processor 502 is used to execute the program 510, and specifically can execute relevant steps in the foregoing payment method embodiment.

具体地，程序510可以包括程序代码，该程序代码包括计算机操作指令。Specifically, the program 510 may include a program code, and the program code includes a computer operation instruction.

处理器502可能是中央处理器CPU，或者是特定集成电路ASIC(Application Specific Integrated Circuit)，或者是被配置成实施本公开实施例的一个或多个集成电路。计算设备包括的一个或多个处理器，可以是同一类型的处理器，如一个或多个CPU；也可以是不同类型的处理器，如一个或多个CPU以及一个或多个ASIC。The processor 502 may be a central processing unit CPU, or a specific integrated circuit ASIC (Application Specific Integrated Circuit), or one or more integrated circuits configured to implement embodiments of the present disclosure. The one or more processors included in the computing device may be processors of the same type, such as one or more CPUs, or may be processors of different types, such as one or more CPUs and one or more ASICs.

存储器506，用于存放程序510。存储器506可能包含高速RAM存储器，也可能还包括非易失性存储器(non-volatile memory)，例如至少一个磁盘存储器。The memory 506 is used to store the program 510. The memory 506 may include a high-speed RAM memory, and may also include a non-volatile memory (non-volatile memory), for example, at least one magnetic disk memory.

程序510具体可以用于使得处理器502执行上述任意方法实施例中的支付方法。程序510中各步骤的具体实现可以参见上述支付实施例中的相应步骤和单元中对应的描述，在此不赘述。所属领域的技术人员可以清楚地了解到，为描述的方便和简洁，上述描述的设备和模块的具体工作过程，可以参考前述方法实施例中的对应过程描述，在此不再赘述。The program 510 may specifically be used to cause the processor 502 to execute the payment method in any of the above method embodiments. For specific implementation of each step in the program 510, reference may be made to the corresponding description in the corresponding steps and units in the foregoing payment embodiment, and details are not described herein. Those skilled in the art can clearly understand that for the convenience and conciseness of the description, the specific working processes of the devices and modules described above can refer to the corresponding process descriptions in the foregoing method embodiments, which are not repeated here.

本公开还提供了一种非易失性计算机可读存储介质，该非易失性计算机可读存储介质存储有至少一可执行指令，可执行指令可执行上述任意方法实施例中的支付确认方法。The present disclosure also provides a non-volatile computer-readable storage medium that stores at least one executable instruction that can execute the payment confirmation method in any of the foregoing method embodiments .

本公开还提供了一种计算设备，包括：处理器、存储器、通信接口和通信总线，处理器、存储器和通信接口通过通信总线完成相互间的通信；存储器用于存放至少一可执行指令，可执行指令使处理器执行上述的支付确认方法对应的操作。该计算设备的结构示意图与图5所示的计算设备的结构示意图相同，此处不再赘述。The present disclosure also provides a computing device, including: a processor, a memory, a communication interface, and a communication bus. The processor, the memory, and the communication interface communicate with each other through the communication bus; the memory is used to store at least one executable instruction. The execution instruction causes the processor to perform the operation corresponding to the above payment confirmation method. The structural schematic diagram of the computing device is the same as the structural schematic diagram of the computing device shown in FIG. 5 and will not be repeated here.

在此提供的算法和显示不与任何特定计算机、虚拟***或者其它设备固有相关。各种通用***也可以与基于在此的示教一起使用。根据上面的描述，构造这类***所要求的结构是显而易见的。此外，本公开也不针对任何特定编程语言。应当明白，可以利用各种编程语言实现在此描述的本公开的内容，并且上面对特定语言所做的描述是为了披露本公开的最佳实施方式。The algorithms and displays provided here are not inherently related to any particular computer, virtual system or other devices. Various general-purpose systems can also be used together with the teaching based on this. From the above description, the structure required to construct such a system is obvious. Furthermore, this disclosure is not directed to any particular programming language. It should be understood that various programming languages can be utilized to implement the contents of the present disclosure described herein, and the description of the specific languages above is to disclose the best embodiments of the present disclosure.

在此处所提供的说明书中，说明了大量具体细节。然而，能够理解，本公开的实施例可以在没有这些具体细节的情况下实践。在一些实例中，并未详细示出公知的方法、结构和技术，以便不模糊对本说明书的理解。The specification provided here explains a lot of specific details. However, it can be understood that the embodiments of the present disclosure can be practiced without these specific details. In some instances, well-known methods, structures, and techniques have not been shown in detail so as not to obscure the understanding of this description.

类似地，应当理解，为了精简本公开并帮助理解各个公开方面中的一个或多个，在上面对本公开的示例性实施例的描述中，本公开的各个特征有时被一起分组到单个实施例、图、或者对其的描述中。然而，并不应将该公开的方法解释成反映如下意图：即所要求保护的本公开要求比在每个权利要求中所明确记载的特征更多的特征。更确切地说，如下面的权利要求书所反映的那样，公开方面在于少于前面公开的单个实施例的所有特征。因此，遵循具体实施方式的权利要求书由此明确地并入该具体实施方式，其中每个权利要求本身都作为本公开的单独实施例。Similarly, it should be understood that in order to streamline the disclosure and help understand one or more of the various disclosed aspects, in the above description of exemplary embodiments of the disclosure, various features of the disclosure are sometimes grouped together into a single embodiment, Figure, or its description. However, the disclosed method should not be interpreted as reflecting the intention that the claimed disclosure requires more features than those explicitly recited in each claim. Rather, as reflected in the following claims, the disclosed aspects lie in less than all features of a single disclosed embodiment. Therefore, the claims that follow the specific implementation are hereby expressly incorporated into the specific implementation, where each claim itself serves as a separate embodiment of the present disclosure.

本领域那些技术人员可以理解，可以对实施例中的设备中的模块进行自适应性地改变并且把它们设置在与该实施例不同的一个或多个设备中。可以把实施例中的模块或单元或组件组合成一个模块或单元或组件，以及此外可以把它们分成多个子模块或子单元或子组件。除了这样的特征和/或过程或者单元中的至少一些是相互排斥之外，可以采用任何组合对本说明书(包括伴随的权利要求、摘要和附图)中公开的所有特征以及如此公开的任何方法或者设备的所有过程或单元进行组合。除非另外明确陈述，本说明书(包括伴随的权利要求、摘要和附图)中公开的每个特征可以由提供相同、等同或相似目的的替代特征来代替。Those skilled in the art can understand that the modules in the device in the embodiment can be adaptively changed and set in one or more devices different from the embodiment. The modules or units or components in the embodiments may be combined into one module or unit or component, and in addition, they may be divided into a plurality of submodules or subunits or subcomponents. Except that at least some of such features and/or processes or units are mutually exclusive, all features disclosed in this specification (including the accompanying claims, abstract and drawings) and any method so disclosed may be adopted in any combination All processes or units of equipment are combined. Unless expressly stated otherwise, each feature disclosed in this specification (including the accompanying claims, abstract and drawings) may be replaced by alternative features serving the same, equivalent or similar purpose.

此外，本领域的技术人员能够理解，尽管在此所述的一些实施例包括其它实施例中所包括的某些特征而不是其它特征，但是不同实施例的特征的组合意味着处于本公开的范围之内并且形成不同的实施例。例如，在下面的权利要求书中，所要求保护的实施例的任意之一都可以以任意的组合方式来使用。In addition, those skilled in the art can understand that although some embodiments described herein include certain features included in other embodiments instead of other features, the combination of features of different embodiments is meant to be within the scope of the present disclosure And form different embodiments. For example, in the following claims, any of the claimed embodiments can be used in any combination.

本公开的各个部件实施例可以以硬件实现，或者以在一个或者多个处理器上运行的软件模块实现，或者以它们的组合实现。本领域的技术人员应当理解，可以在实践中使用微处理器或者数字信号处理器(DSP)来实现根据本公开实施例中的一些或者全部部件的一些或者全部功能。本公开还可以实现为用于执行这里所描述的方法的一部分或者全部的设备或者装置程序(例如，计算机程序和计算机程序产品)。这样的实现本公开的程序可以存储在计算机可读介质上，或者可以具有一个或者多个信号的形式。这样的信号可以从因特网网站上下载得到，或者在载体信号上提供，或者以任何其他形式提供。Various component embodiments of the present disclosure may be implemented in hardware, or implemented in software modules running on one or more processors, or implemented in a combination thereof. Those skilled in the art should understand that in practice, a microprocessor or a digital signal processor (DSP) may be used to implement some or all functions of some or all components in the embodiments of the present disclosure. The present disclosure may also be implemented as a device or device program (eg, computer program and computer program product) for performing part or all of the methods described herein. Such a program implementing the present disclosure may be stored on a computer-readable medium, or may have the form of one or more signals. Such a signal can be downloaded from an Internet website, or provided on a carrier signal, or provided in any other form.

应该注意的是上述实施例对本公开进行说明而不是对本公开进行限制，并且本领域技术人员在不脱离所附权利要求的范围的情况下可设计出替换实施例。在权利要求中，不应将位于括号之间的任何参考符号构造成对权利要求的限制。单词“包含”不排除存在未列在权利要求中的元件或步骤。位于元件之前的单词“一”或“一个”不排除存在多个这样的元件。本公开可以借助于包括有若干不同元件的硬件以及借助于适当编程的计算机来实现。在列举了若干装置的单元权利要求中，这些装置中的若干个可以是通过同一个硬件项来具体体现。单词第一、第二、以及第三等的使用不表示任何顺序。可将这些单词解释为名称。It should be noted that the above-mentioned embodiments illustrate the disclosure rather than limit the disclosure, and those skilled in the art can design alternative embodiments without departing from the scope of the appended claims. In the claims, any reference signs between parentheses should not be constructed as limitations on the claims. The word "comprising" does not exclude the presence of elements or steps not listed in a claim. The word "a" or "one" before an element does not exclude the presence of multiple such elements. The present disclosure can be implemented by means of hardware including several different elements and by means of a suitably programmed computer. In the unit claims enumerating several devices, several of these devices may be embodied by the same hardware item. The use of the words first, second, and third does not indicate any order. These words can be interpreted as names.

Claims

一种支付方法，所述方法包括：A payment method, the method includes:

接收商户端发送的携带有第一用户生物特征信息的支付请求；Receiving the payment request sent by the merchant terminal and carrying the biometric information of the first user;

根据所述第一用户生物特征信息，确定与第一用户生物特征相关联的第二用户；Determine a second user associated with the first user biometrics according to the first user biometrics information;

根据所述支付请求，生成支付待确认信息，并将所述支付待确认信息发送给所述第二用户对应的客户端进行支付操作。According to the payment request, generate payment to be confirmed information, and send the payment to be confirmed information to the client corresponding to the second user for payment operation.
根据权利要求1所述的方法，其中，所述根据所述第一用户生物特征信息，确定与第一用户生物特征相关联的第二用户进一步包括：The method of claim 1, wherein the determining the second user associated with the first user biometrics based on the first user biometrics information further comprises:

从所述第一用户生物特征信息中提取第一用户生物特征；Extract the first user biometrics from the first user biometrics information;

判断数据库中是否存储有与所述第一用户生物特征相匹配的用户生物特征，若是，则确定该相匹配的用户生物特征所绑定的用户为第二用户。Determine whether the user biometrics matching the first user biometrics are stored in the database, and if so, determine that the user bound to the matching user biometrics is the second user.
根据权利要求2所述的方法，其中，所述方法还包括：The method of claim 2, wherein the method further comprises:

若判断出数据库中未存储有与所述第一用户生物特征相匹配的用户生物特征，则向所述商户端返回支付失败信息。If it is determined that no user biometrics matching the first user biometrics are stored in the database, payment failure information is returned to the merchant.
根据权利要求1-3任一项所述的方法，其中，所述第一用户生物特征信息包括：第一用户视频信息；所述根据所述支付请求，生成支付待确认信息进一步包括：The method according to any one of claims 1 to 3, wherein the first user biometric information includes: first user video information; and the generating payment to be confirmed information according to the payment request further includes:

从所述第一用户视频信息中抽取至少一张视频帧图像；和/或，生成所述第一用户视频信息的播放地址；Extracting at least one video frame image from the first user video information; and/or, generating a playback address of the first user video information;

生成携带有所述至少一张视频帧图像和/或所述第一用户视频信息的播放地址的支付待确认信息。Generate payment to be confirmed information carrying the at least one video frame image and/or the playback address of the first user video information.
根据权利要求4所述的方法，其中，所述第一用户生物特征信息还包括：第一用户语音信息；The method according to claim 4, wherein the first user biometric information further comprises: first user voice information;

所述生成携带有所述至少一张视频帧图像和/或所述第一用户视频信息的播放地址的支付待确认信息进一步包括：生成携带有所述至少一张视频帧图像和/或所述第一用户视频信息的播放地址、以及所述第一用户语音信息的支付待确认信息。The generating payment to be confirmed information carrying the playback address of the at least one video frame image and/or the first user video information further includes: generating the at least one video frame image and/or the The playback address of the first user's video information and the payment to be confirmed information of the first user's voice information
根据权利要求1-5任一项所述的方法，其中，在所述接收商户端发送的携带有第一用户生物特征信息的支付请求之前，所述方法还包括：The method according to any one of claims 1 to 5, wherein before the receiving the payment request sent by the merchant end and carrying the biometric information of the first user, the method further comprises:

接收所述第二用户对应的客户端发送的第一用户生物特征；Receiving the first user biometrics sent by the client corresponding to the second user;

对所述第一用户生物特征进行校验，校验通过后，将所述第一用户生物特征存储至数据库中，并将所述第一用户生物特征与所述第二用户进行绑定。Verify the biometrics of the first user, and after the verification is passed, store the biometrics of the first user in a database, and bind the biometrics of the first user to the second user.
根据权利要求1-6任一项所述的方法，其中，在将所述支付待确认信息发送给所述第二用户对应的客户端进行支付操作之后，所述方法还包括：The method according to any one of claims 1 to 6, wherein after sending the payment to-be-confirmed information to a client corresponding to the second user to perform a payment operation, the method further comprises:

在所述商户端与所述第二用户对应的客户端之间建立视频通话连接或语音通话连接。Establishing a video call connection or a voice call connection between the merchant terminal and the client corresponding to the second user.
根据权利要求1-7任一项所述的方法，其中，所述方法还包括：The method according to any one of claims 1-7, wherein the method further comprises:

当接收到所述第二用户对应的客户端发送的确认成功结果时，从所述第二用户对应的支付账户中进行扣款处理；When receiving a successful confirmation result sent by the client corresponding to the second user, perform a deduction process from the payment account corresponding to the second user;

当接收到所述第二用户对应的客户端发送的确认失败结果时，拒绝所述支付请求。When receiving the confirmation failure result sent by the client corresponding to the second user, the payment request is rejected.
一种支付确认方法，所述方法包括：A payment confirmation method, the method includes:

接收服务端根据支付请求生成并发送的支付待确认信息；其中，所述服务端根据商户端发送的携带有第一用户生物特征信息的支付请求而确定的与第一用户生物特征相关联的第二用户；Receiving payment-to-confirm information generated and sent by the server according to the payment request; wherein the server determines, according to the payment request sent by the merchant and carrying the biometric information of the first user, the first Two users

根据第二用户执行的支付确认操作，向所述服务端发送确认成功结果，以供所述服务端根据所述确认成功结果从所述第二用户对应的支付账户中进行扣款处理。According to the payment confirmation operation performed by the second user, a confirmation success result is sent to the server for the server to perform a deduction process from the payment account corresponding to the second user according to the confirmation success result.
根据权利要求9所述的方法，其中，所述支付待确认信息携带有至少一张视频帧图像和/或所述第一用户视频信息的播放地址；The method according to claim 9, wherein the payment to be confirmed information carries at least one video frame image and/or a playback address of the first user video information;

所述根据第二用户执行的支付确认操作，向所述服务端发送确认成功结果进一步包括：根据第二用户通过验证所述至少一张视频帧图像和/或通过访问所述第一用户视频信息的播放地址查看第一用户视频信息后执行的支付确认操作，向所述服务端发送确认成功结果。The sending a confirmation success result to the server according to the payment confirmation operation performed by the second user further includes: according to the second user by verifying the at least one video frame image and/or by accessing the first user video information The payment confirmation operation performed after viewing the video information of the first user by the broadcast address of the server sends a confirmation success result to the server.
根据权利要求10所述的方法，其中，所述支付待确认信息还携带有第一用户语音信息；The method according to claim 10, wherein the payment to-be-confirmed information further carries voice information of the first user;

所述根据第二用户执行的支付确认操作，向所述服务端发送确认成功结果进一步包括：根据第二用户通过验证所述至少一张视频帧图像和/或通过访问所述第一用户视频信息的播放地址查看第一用户视频信息、以及通过验证所述第一用户语音信息后执行的支付确认操作，向所述服务端发送确认成功结果。The sending a confirmation success result to the server according to the payment confirmation operation performed by the second user further includes: according to the second user by verifying the at least one video frame image and/or by accessing the first user video information To view the first user's video information and the payment confirmation operation performed after verifying the first user's voice information, and send a confirmation success result to the server.
根据权利要求9-11任一项所述的方法，其中，在所述接收服务端根据支付请求生成并发送的支付待确认信息之前，所述方法还包括：The method according to any one of claims 9-11, wherein before the receiving server generates and sends payment to be confirmed information according to the payment request, the method further comprises:

获取采集得到的第一用户生物特征，并将所述第一用户生物特征发送至所述服务端，以供所述服务端对所述第一用户生物特征进行校验，校验通过后，将所述第一用户生物特征存储至数据库中，并将所述第一用户生物特征与所述第二用户进行绑定。Obtain the collected first user biometrics, and send the first user biometrics to the server for the server to verify the first user biometrics. After the verification is passed, the The first user biometrics is stored in a database, and the first user biometrics is bound to the second user.
一种支付装置，所述装置包括：A payment device, the device includes:

第一接收模块，适于接收商户端发送的携带有第一用户生物特征信息的支付请求；The first receiving module is adapted to receive the payment request sent by the merchant terminal and carrying the biometric information of the first user;

确定模块，适于根据所述第一用户生物特征信息，确定与第一用户生物特征相关联的第二用户；A determining module, adapted to determine a second user associated with the first user's biometrics based on the first user's biometrics information;

生成模块，适于根据所述支付请求，生成支付待确认信息；A generating module, adapted to generate payment to be confirmed information according to the payment request;

第一发送模块，适于将所述支付待确认信息发送给所述第二用户对应的客户端进行支付操作。The first sending module is adapted to send the payment to-be-confirmed information to the client corresponding to the second user for payment operation.
根据权利要求13所述的装置，其中，所述确定模块进一步适于：The apparatus according to claim 13, wherein the determination module is further adapted to:

从所述第一用户生物特征信息中提取第一用户生物特征；Extract the first user biometrics from the first user biometrics information;

判断数据库中是否存储有与所述第一用户生物特征相匹配的用户生物特征，若是，则确定该相匹配的用户生物特征所绑定的用户为第二用户。Determine whether the user biometrics matching the first user biometrics are stored in the database, and if so, determine that the user bound to the matching user biometrics is the second user.
根据权利要求14所述的装置，其中，所述第一发送模块进一步适于：The apparatus according to claim 14, wherein the first sending module is further adapted to:

若判断出数据库中未存储有与所述第一用户生物特征相匹配的用户生物特征，则向所述商户端返回支付失败信息。If it is determined that no user biometrics matching the first user biometrics are stored in the database, payment failure information is returned to the merchant.
根据权利要求13-15任一项所述的装置，其中，所述第一用户生物特征信息包括：第一用户视频信息；所述生成模块进一步适于：The apparatus according to any one of claims 13-15, wherein the first user biometric information includes: first user video information; and the generation module is further adapted to:

从所述第一用户视频信息中抽取至少一张视频帧图像；和/或，生成所述第一用户视频信息的播放地址；Extracting at least one video frame image from the first user video information; and/or, generating a playback address of the first user video information;

生成携带有所述至少一张视频帧图像和/或所述第一用户视频信息的播放地址的支付待确认信息。Generate payment to be confirmed information carrying the at least one video frame image and/or the playback address of the first user video information.
根据权利要求16所述的装置，其中，所述第一用户生物特征信息还包括：第一用户语音信息；The apparatus according to claim 16, wherein the first user biometric information further includes: first user voice information;

所述生成模块进一步适于：生成携带有所述至少一张视频帧图像和/或所述第一用户视频信息的播放地址、以及所述第一用户语音信息的支付待确认信息。The generating module is further adapted to generate a playback address carrying the at least one video frame image and/or the first user video information, and payment to be confirmed information of the first user voice information.
根据权利要求13-17任一项所述的装置，其中，所述第一接收模块进一步适于：接收所述第二用户对应的客户端发送的第一用户生物特征；The apparatus according to any one of claims 13-17, wherein the first receiving module is further adapted to: receive the first user biometrics sent by the client corresponding to the second user;

所述装置还包括：校验存储模块，适于对所述第一用户生物特征进行校验，校验通过后，将所述第一用户生物特征存储至数据库中，并将所述第一用户生物特征与所述第二用户进行绑定。The device further includes a verification storage module adapted to verify the biometrics of the first user. After the verification, the biometrics of the first user are stored in a database and the first user is stored The biometric is bound to the second user.
根据权利要求13-18任一项所述的装置，其中，所述装置还包括：The device according to any one of claims 13-18, wherein the device further comprises:

通话连接模块，适于在所述商户端与所述第二用户对应的客户端之间建立视频通话连接或语音通话连接。The call connection module is adapted to establish a video call connection or a voice call connection between the merchant terminal and the client corresponding to the second user.
根据权利要求13-19任一项所述的装置，其中，所述装置还包括：支付处理模块，适于当接收到所述第二用户对应的客户端发送的确认成功结果时，从所述第二用户对应的支付账户中进行扣款处理；当接收到所述第二用户对应的客户端发送的确认失败结果时，拒绝所述支付请求。The apparatus according to any one of claims 13-19, wherein the apparatus further comprises: a payment processing module, adapted to receive a confirmation result sent by the client corresponding to the second user from the Charge processing is performed in the payment account corresponding to the second user; when a confirmation failure result sent by the client corresponding to the second user is received, the payment request is rejected.
一种支付确认装置，所述装置包括：A payment confirmation device, the device includes:

第二接收模块，适于接收服务端根据支付请求生成并发送的支付待确认信息；其中，所述服务端根据商户端发送的携带有第一用户生物特征信息的支付请求而确定的与第一用户生物特征相关联的第二用户；The second receiving module is adapted to receive the payment to be confirmed information generated and sent by the server according to the payment request; wherein, the server is determined according to the payment request sent by the merchant and carries the biometric information of the first user. The second user associated with the user's biometrics;

第二发送模块，适于根据第二用户执行的支付确认操作，向所述服务端发送确认成功结果，以供所述服务端根据所述确认成功结果从所述第二用户对应的支付账户中进行扣款处理。The second sending module is adapted to send a confirmation success result to the server according to the payment confirmation operation performed by the second user, so that the server can remove the payment account corresponding to the second user according to the confirmation success result Charge processing.
根据权利要求21所述的装置，其中，所述支付待确认信息携带有至少一张视频帧图像和/或所述第一用户视频信息的播放地址；The device according to claim 21, wherein the payment to be confirmed information carries at least one video frame image and/or a playback address of the first user video information;

所述第二发送模块进一步适于：根据第二用户通过验证所述至少一张视频帧图像和/或通过访问所述第一用户视频信息的播放地址查看第一用户视频信息后执行的支付确认操作，向所述服务端发送确认成功结果。The second sending module is further adapted to: according to the payment confirmation performed by the second user after verifying the at least one video frame image and/or by accessing the playback address of the first user video information to view the first user video information Operation, sending a confirmation success result to the server.
根据权利要求22所述的装置，其中，所述支付待确认信息还携带有第一用户语音信息；The device according to claim 22, wherein the payment to-be-confirmed information further carries first user voice information;

所述第二发送模块进一步适于：根据第二用户通过验证所述至少一张视频帧图像和/或通过访问所述第一用户视频信息的播放地址查看第一用户视频信息、以及通过验证所述第一用户语音信息后执行的支付确认操作，向所述服务端发送确认成功结果。The second sending module is further adapted to: view the first user video information according to the second user by verifying the at least one video frame image and/or by accessing the playback address of the first user video information, and pass the verification The payment confirmation operation performed after the voice information of the first user is performed, and a successful confirmation result is sent to the server.
根据权利要求21-23任一项所述的装置，其中，所述装置还包括：获取模块，适于获取采集得到的第一用户生物特征；The apparatus according to any one of claims 21 to 23, wherein the apparatus further comprises: an acquisition module adapted to acquire the collected first user biometrics;

所述第二发送模块进一步适于：将所述第一用户生物特征发送至所述服务端，以供所述服务端对所述第一用户生物特征进行校验，校验通过后，将所述第一用户生物特征存储至数据库中，并将所述第一用户生物特征与所述第二用户进行绑定。The second sending module is further adapted to send the first user biometrics to the server for the server to verify the first user biometrics. After the verification is passed, the The biometrics of the first user are stored in a database, and the biometrics of the first user are bound to the second user.
一种计算设备，包括：处理器、存储器、通信接口和通信总线，所述处理器、所述存储器和所述通信接口通过所述通信总线完成相互间的通信；A computing device includes: a processor, a memory, a communication interface, and a communication bus, and the processor, the memory, and the communication interface complete communication with each other through the communication bus;

所述存储器用于存放至少一可执行指令，所述可执行指令使所述处理器执行如权利要求1-8中任一项所述的支付方法对应的操作。The memory is used to store at least one executable instruction that causes the processor to perform the operation corresponding to the payment method according to any one of claims 1-8.
一种非易失性计算机可读存储介质，所述存储介质中存储有至少一可执行指令，所述可执行指令使处理器执行如权利要求1-8中任一项所述的支付方法对应的操作。A non-volatile computer-readable storage medium, in which at least one executable instruction is stored, the executable instruction causes a processor to execute the payment method according to any one of claims 1-8 Operation.
一种计算机程序产品，其中，所述计算机程序产品包括存储在非易失性计算机存储介质上的计算机程序，所述计算机程序包括程序指令，当所述程序指令被处理器执行时，使所述处理器执行如权利要求1-8中任一项所述的支付方法对应的操作。A computer program product, wherein the computer program product includes a computer program stored on a non-volatile computer storage medium, the computer program includes program instructions, and when the program instructions are executed by a processor, the The processor performs the operation corresponding to the payment method according to any one of claims 1-8.
一种计算设备，包括：处理器、存储器、通信接口和通信总线，所述处理器、所述存储器和所述通信接口通过所述通信总线完成相互间的通信；A computing device includes: a processor, a memory, a communication interface, and a communication bus, and the processor, the memory, and the communication interface complete communication with each other through the communication bus;

所述存储器用于存放至少一可执行指令，所述可执行指令使所述处理器执行如权利要求9-12中任一项所述的支付确认方法对应的操作。The memory is used to store at least one executable instruction that causes the processor to perform the operation corresponding to the payment confirmation method according to any one of claims 9-12.
一种非易失性计算机存可读储介质，所述非易失性计算机可读存储介质中存储有至少一可执行指令，所述可执行指令使处理器执行如权利要求9-12中任一项所述的支付确认方法对应的操作。A non-volatile computer-readable storage medium, at least one executable instruction is stored in the non-volatile computer-readable storage medium, the executable instruction causes a processor to execute any of claims 9-12 An operation corresponding to the payment confirmation method described in one item.
一种计算机程序产品，其中，所述计算机程序产品包括存储在非易失性计算机存储介质上的计算机程序，所述计算机程序包括程序指令，当所述程序指令被处理器执行时，使所述处理器执行如权利要求9-12中任一项所述的支付确认方法对应的操作。A computer program product, wherein the computer program product includes a computer program stored on a non-volatile computer storage medium, the computer program includes program instructions, and when the program instructions are executed by a processor, the The processor performs the operation corresponding to the payment confirmation method according to any one of claims 9-12.