阅读说明：本技术 基于标志的支付方法、装置和系统、设备、可读存储介质 (Sign-based payment method, device and system, equipment and readable storage medium ) 是由 张文 于 2019-03-06 设计创作，主要内容包括：本发明公开了一种基于标志的支付方法、装置和系统、设备、可读存储介质。所述基于标志的支付方法包括：接收付款方客户端发送的支付请求；其中,所述支付请求包括当前收款方标志图像；根据所述当前收款方标志图像从预设的收款码数据库中获得对应的收款方收款码；将所述收款方收款码发送至所述付款方客户端,以使所述付款方客户端根据所述收款方收款码完成支付操作。采用本发明,能够提高支付过程的安全性和快捷性。(The invention discloses sign-based payment methods, devices and systems, equipment and readable storage media.)

1, A payment method based on mark, which is suitable for service end, and is characterized in that it includes:

receiving a payment request sent by a client of a payer; wherein the payment request includes a current payee logo image;

acquiring a corresponding payee cash register code from a preset cash register database according to the current payee mark image;

and sending the payee collection code to the payer client so that the payer client completes payment operation according to the payee collection code.

2. The sign-based payment method of claim 1, wherein obtaining the corresponding payee code from a preset payee code database based on the current payee sign image comprises:

inquiring the payee code database according to the current payee sign image to obtain corresponding payee information;

inquiring the payee code database to obtain the n payee codes corresponding to the payee information; wherein n is more than or equal to 1;

the sending the payee cash register code to the payer client so that the payer client completes payment operation according to the payee cash register code specifically comprises:

when n is 1, the payee collection code is sent to the payer client, so that the payer client completes the payment operation according to the payee collection code;

and when n is more than or equal to 2, each payee collection code is sent to the payer client, so that the payer client finishes the payment operation according to the payee collection codes of any .

3. The sign-based payment method of claim 2, wherein the checkout code database includes at least user information and at least user sign images, wherein each of the user information and each of the user sign images have a correspondence;

the inquiring the payee code database according to the current payee logo image to obtain corresponding payee information specifically comprises:

respectively calculating and obtaining the similarity between the current payee logo image and each user logo image;

taking the user mark image corresponding to the maximum similarity in all the similarities as a payee mark image;

and inquiring the payee code database, and taking the user information corresponding to the payee sign image as the payee information.

4. The sign-based payment method of claim 2, wherein the checkout code database includes at least user information and at least user sign images, wherein each of the user information and each of the user sign images have a correspondence;

the inquiring the payee code database according to the current payee logo image to obtain corresponding payee information specifically comprises:

calculating and obtaining the similarity between the current payee logo image and each user logo image;

taking the user mark image corresponding to each similarity larger than a preset threshold in all the similarities as a mark image of a party to be determined for payment;

inquiring the payee code database, and respectively taking the user information corresponding to each to-be-determined payer mark image as information of the to-be-determined payers;

sending each piece of information of the undetermined payee to the payer client so that the payer client generates a confirmation instruction according to the information of the undetermined payee ;

and receiving the confirmation instruction sent by the payer client, and taking the information of the undetermined payee corresponding to the confirmation instruction as the information of the payee.

5, A token-based payment method for payer clients, comprising:

acquiring a current payee sign image, and generating a corresponding payment request according to the current payee sign image; the current payee sign image is an image obtained by shooting a sign of a payee;

sending the payment request to a server side so that the server side can obtain a corresponding payee cash register code from a preset cash register code database according to a current payee mark image in the payment request;

and receiving the payee cash register code sent by the server, and completing payment operation according to the payee cash register code.

An identifier-based payment device of the type , comprising:

the payment request receiving module is used for receiving a payment request sent by a client of a payer; wherein the payment request includes a current payee logo image;

a payee code obtaining module for obtaining a corresponding payee code from a preset payee code database according to the current payee logo image; and the number of the first and second groups,

and the payment completion module is used for sending the payee cash register code to the payer client so as to enable the payer client to complete payment operation according to the payee cash register code.

An identifier-based payment device of the type 7, , comprising:

the payment request generation module is used for acquiring a current payee sign image and generating a corresponding payment request according to the current payee sign image; the current payee sign image is an image obtained by shooting a sign of a payee;

the payment request sending module is used for sending the payment request to a server so that the server can obtain a corresponding payee cash register code from a preset cash register database according to a current payee mark image in the payment request; and the number of the first and second groups,

and the payment completion module is used for receiving the payee code sent by the server and completing payment operation according to the payee code.

8, sign-based payment system, comprising a service end and at least payer clients;

the server, which is the token-based payment apparatus of claim 6;

the payer client, being the token based payment apparatus of claim 7.

An apparatus of , comprising a processor, a memory, and a computer program stored in the memory and configured to be executed by the processor, wherein the processor, when executing the computer program, implements the token-based payment method of any of claims 1-5 .

computer-readable storage medium, comprising a stored computer program, wherein the computer program is operable to execute the token-based payment method of any of claims 1-5.

Technical Field

The invention relates to the technical field of computers, in particular to sign-based payment methods, devices, systems, equipment and readable storage media.

Background

Nowadays, code scanning payment is which is the main payment method in people's daily life due to its convenience and quickness.

In daily life, a merchant often provides a cash register (usually, a WeChat two-dimensional code, a Paibao two-dimensional code, a Unionpay account two-dimensional code, and the like) to a consumer, and the consumer scans the cash register by using a mobile phone to complete payment.

In addition, in the payment process, each consumer needs to scan the cash register code to complete the payment, so when a plurality of consumers in the shops of need to pay at the same time, the phenomenon of queuing is easy to occur, the payment process is slow, and the user experience is poor.

Disclosure of Invention

The embodiment of the invention provides payment methods, devices, systems, equipment and readable storage media based on marks, which can improve the safety and the rapidity of a payment process.

The payment methods based on the mark provided by the embodiment of the invention specifically comprise:

receiving a payment request sent by a client of a payer; wherein the payment request includes a current payee logo image;

acquiring a corresponding payee cash register code from a preset cash register database according to the current payee mark image;

and sending the payee collection code to the payer client so that the payer client completes payment operation according to the payee collection code.

Step , the obtaining a corresponding payee cash code from a preset cash code database according to the current payee logo image specifically includes:

inquiring the payee code database according to the current payee sign image to obtain corresponding payee information;

inquiring the payee code database to obtain the n payee codes corresponding to the payee information; wherein n is more than or equal to 1;

the sending the payee cash register code to the payer client so that the payer client completes payment operation according to the payee cash register code specifically comprises:

when n is 1, the payee collection code is sent to the payer client, so that the payer client completes the payment operation according to the payee collection code;

and when n is more than or equal to 2, each payee collection code is sent to the payer client, so that the payer client finishes the payment operation according to the payee collection codes of any .

, the code database includes at least user information and at least user mark images, wherein each user information and each user mark image have corresponding relation;

the inquiring the payee code database according to the current payee logo image to obtain corresponding payee information specifically comprises:

respectively calculating and obtaining the similarity between the current payee logo image and each user logo image;

taking the user mark image corresponding to the maximum similarity in all the similarities as a payee mark image;

and inquiring the payee code database, and taking the user information corresponding to the payee sign image as the payee information.

, the code database includes at least user information and at least user mark images, wherein each user information and each user mark image have corresponding relation;

the inquiring the payee code database according to the current payee logo image to obtain corresponding payee information specifically comprises:

calculating and obtaining the similarity between the current payee logo image and each user logo image;

taking the user mark image corresponding to each similarity larger than a preset threshold in all the similarities as a mark image of a party to be determined for payment;

inquiring the payee code database, and respectively taking the user information corresponding to each to-be-determined payer mark image as information of the to-be-determined payers;

sending each piece of information of the undetermined payee to the payer client so that the payer client generates a confirmation instruction according to the information of the undetermined payee ;

and receiving the confirmation instruction sent by the payer client, and taking the information of the undetermined payee corresponding to the confirmation instruction as the information of the payee.

Step , the obtaining a corresponding payee cash code from a preset cash code database according to the current payee logo image specifically includes:

inquiring the payee code database according to the current payee sign image to obtain corresponding p pieces of information of the payee to be determined; wherein p is more than or equal to 2;

inquiring the payee code database, and taking all user payee codes corresponding to the information of each payee to be determined as payee codes respectively to obtain q payee codes; wherein q is more than or equal to p;

the sending the payee cash register code to the payer client so that the payer client completes payment operation according to the payee cash register code specifically comprises:

sending each payee code to the payer client to cause the payer client to complete the payment operation in accordance with the payee code of anybody .

, the code database includes at least user information and at least user mark images, wherein each user information and each user mark image have corresponding relation;

the inquiring the payee code database according to the current payee sign image to obtain the corresponding p pieces of information of the payee to be determined specifically comprises the following steps:

calculating and obtaining the similarity between the current payee logo image and each user logo image;

and taking the user information corresponding to the user mark image corresponding to each similarity larger than a preset threshold value in all the similarities as the information of the to-be-determined payer, and obtaining p pieces of information of the to-be-determined payer.

, the payment request also includes the position information of the payer;

the obtaining of the corresponding payee cash register code from a preset cash register database according to the current payee logo image specifically comprises:

and acquiring the corresponding payee collection code from the collection code database according to the current payee identification image and the payer position information.

Further , the obtaining the corresponding payee charge code from the charge code database according to the current payee logo image and the payer location information specifically includes:

inquiring the payee code database according to the current payee sign image and the payer position information to obtain corresponding payee information;

inquiring the payee code database to obtain m payee codes corresponding to the payee information; wherein m is more than or equal to 1;

the sending the payee cash register code to the payer client so that the payer client completes payment operation according to the payee cash register code specifically comprises:

when m is 1, sending the payee collection code to the payer client so that the payer client completes the payment operation according to the payee collection code;

and when m is more than or equal to 2, sending each payee collection code to the payer client so that the payer client finishes the payment operation according to the payee collection codes of any .

, the cashier code database comprises at least user information, at least user mark images and at least user position information, wherein each user information, each user mark image and each user position information have corresponding relations;

the inquiring the payee code database according to the current payee sign image and the payer position information to obtain corresponding payee information specifically comprises:

respectively calculating th similarity between the current payee logo image and each user logo image;

respectively calculating and obtaining a second similarity between the position information of the payer and the position information of each user;

and inquiring and acquiring payee information corresponding to the current payee identification image and the payer position information from the payee code database by combining each th similarity and the corresponding second similarity.

, the querying from the payee code database to obtain payee information corresponding to the current payee identification image and the payer location information in combination with each of the similarity and the corresponding second similarity specifically includes:

weighting and summing each th similarity and the corresponding second similarity to obtain the similarity corresponding to each payment position information;

taking the user position information corresponding to the maximum similarity in all the similarities as payee position information;

and inquiring the payee code database, and taking the user information corresponding to the payee position information as the payee information.

, the querying from the payee code database to obtain payee information corresponding to the current payee identification image and the payer location information in combination with each of the similarity and the corresponding second similarity specifically includes:

querying the code database of the payee, and respectively taking the user information corresponding to the user logo image corresponding to each similarity which is greater than a preset threshold value in all similarities as information of an undetermined payee;

and inquiring the payee code database, and taking the payee information with the maximum second similarity in all the payee information to be determined as the payee information.

, the querying from the payee code database to obtain payee information corresponding to the current payee identification image and the payer location information in combination with each of the similarity and the corresponding second similarity specifically includes:

querying the payee code database, and respectively taking the user information corresponding to the user position information corresponding to each second similarity with the second similarity larger than a preset threshold as information of an undetermined payee;

and inquiring the payee code database, and taking the payee information with the maximum similarity in all the payee information as the payee information.

, the cashier code database comprises at least user information, at least user mark images and at least user position information, wherein each user information, each user mark image and each user position information have corresponding relations;

the inquiring the payee code database according to the current payee sign image and the payer position information to obtain corresponding payee information specifically comprises:

calculating th similarity between the current payee logo image and each user logo image;

calculating and obtaining a second similarity between the position information of the payer and the position information of each user;

using each user position information of which the similarity is greater than a preset threshold and the corresponding second similarity is greater than a preset second threshold as the position information of the payer to be determined;

inquiring the payee code database, and respectively taking the user information corresponding to the position information of each to-be-determined payer as information of the to-be-determined payee;

sending each piece of information of the undetermined payee to the payer client so that the payer client generates a confirmation instruction according to the information of the undetermined payee ;

and receiving the confirmation instruction sent by the payer client, and taking the information of the undetermined payee corresponding to the confirmation instruction as the information of the payee.

Further , the obtaining the corresponding payee charge code from the charge code database according to the current payee logo image and the payer location information specifically includes:

inquiring the payee code database according to the current payee sign image and the payer position information to obtain corresponding r pieces of information of the payee to be determined; wherein r is more than or equal to 2;

inquiring the payee code database, and respectively taking all user payee codes corresponding to the information of each payee to be determined as payee codes to obtain t payee codes; wherein t is more than or equal to r;

the sending the payee cash register code to the payer client so that the payer client completes payment operation according to the payee cash register code specifically comprises:

sending each payee code to the payer client to enable the payer client to complete the payment operation according to the payee code of anybody .

, the cashier code database comprises at least user information, at least user mark images and at least user position information, wherein each user information, each user mark image and each user position information have corresponding relations;

the step of querying the payee code database according to the current payee logo image and the payer position information to obtain corresponding r pieces of information of undetermined payers specifically comprises the following steps:

calculating th similarity between the current payee logo image and each user logo image;

calculating and obtaining a second similarity between the position information of the payer and the position information of each user;

and taking the user information corresponding to each piece of user position information of which the th similarity is greater than a preset th threshold and the corresponding second similarity is greater than a preset second threshold as the information of the to-be-determined payer, and obtaining r pieces of information of the to-be-determined payer.

, the payer position information is payer coordinate information, and the payer coordinate information is three-dimensional coordinate information.

, the payer location information is payer coordinate information, the user location information is user coordinate information, the payer coordinate information is three-dimensional coordinate information, and the user coordinate information is three-dimensional coordinate information.

, the sending the payee barcode to the payer client to enable the payer client to complete the payment operation according to the payee barcode includes:

sending the payee collection code to the payer client so that the payer client generates a corresponding payment instruction according to the payee collection code;

receiving the payment instruction sent by the payer client;

obtaining a receiving account corresponding to the payee cash register code according to the payment instruction;

and crediting the target amount to the receiving account.

, before the crediting the target amount to the receiving account, further comprising:

obtaining a payment account corresponding to the payee cash register code according to the payment instruction;

deducting the target amount from the payment account.

, the sending the payee barcode to the payer client to enable the payer client to complete the payment operation according to the payee barcode includes:

and returning the payee cash register code to the client so that the client generates a corresponding payment instruction according to the payee cash register code and enables the target platform server corresponding to the payee cash register code to transfer the target amount to a receiving account corresponding to the payee cash register code through the payment instruction.

, before the obtaining the corresponding payee code from the predetermined payee code database according to the current payee flag image, further comprising:

receiving a registration request sent by a payee; the registration request comprises user information, a user mark image, user position information and a user collection code corresponding to the payer;

and when the payee passes the verification, storing the user information, the user mark image, the user position information and the user payee code corresponding to the payee in the registration request into the payee code database.

, before the obtaining the corresponding payee code from the predetermined payee code database according to the current payee flag image, further comprising:

when transaction operation related to a payee is detected, acquiring user information, a user mark image, user position information and a user cash register code corresponding to the payee;

and when the number of the transaction operations is larger than a preset threshold value, storing the user information, the user mark image, the user position information and the user collection code corresponding to the collection party into a collection code database.

, before the obtaining the corresponding payee code from the predetermined payee code database according to the current payee flag image, further comprising:

receiving a data updating request sent by a payee client;

and correspondingly updating the data corresponding to the payee client in the payee code database according to the data updating request.

The embodiment of the invention also provides another payment methods based on the mark, which specifically comprise:

acquiring a current payee sign image, and generating a corresponding payment request according to the current payee sign image; the current payee sign image is an image obtained by shooting a sign of a payee;

sending the payment request to a server side so that the server side can obtain a corresponding payee cash register code from a preset cash register code database according to a current payee mark image in the payment request;

and receiving the payee cash register code sent by the server, and completing payment operation according to the payee cash register code.

Step , the sending the payment request to a server, so that the server obtains a corresponding payee code from a preset payee code database according to the current payee flag image in the payment request, specifically includes:

sending the payment request to the server, so that the server can inquire and obtain corresponding payee information and the n payee codes corresponding to the payee information from the payee code database according to the current payee mark image in the payment request; wherein n is more than or equal to 1;

the receiving the payee cash register code sent by the server and completing the payment operation according to the payee cash register code specifically comprises:

when n is 1, receiving the payee cash register code sent by the server, and completing the payment operation according to the payee cash register code;

and when n is more than or equal to 2, receiving each payee cash register code sent by the server side, and completing payment operation according to the payee cash register codes of any .

, the code database includes at least user information and at least user mark images, wherein each user information and each user mark image have corresponding relation;

the sending the payment request to the server to enable the server to query from the payee code database according to the current payee logo image in the payment request to obtain corresponding payee information, specifically comprising:

and sending the payment request to the server, so that the server takes the user mark image corresponding to the maximum similarity in the similarities between the current payee mark image and each user mark image as a payee mark image according to the payment request, and takes the user information corresponding to the payee mark image obtained by inquiring from the payee code database as the payee information.

, the code database includes at least user information and at least user mark images, wherein each user information and each user mark image have corresponding relation;

the sending the payment request to the server to enable the server to query from the payee code database according to the current payee logo image in the payment request to obtain corresponding payee information, specifically comprising:

sending the payment request to the server, so that the server takes the user mark image corresponding to each similarity degree which is greater than a preset threshold value in the similarity degrees between the current payee mark image and each user mark image as an undetermined payee mark image according to the payment request, and respectively takes the user information corresponding to each payee mark image obtained by query from the payee code database as undetermined payee information;

receiving the information of each undetermined payee sent by the server, and generating a corresponding confirmation instruction according to the selection operation of the payer on the information of the undetermined payee ;

and sending the confirmation instruction to the server so that the server takes the information of the to-be-received party corresponding to the confirmation instruction as the information of the received party.

Step , the sending the payment request to a server, so that the server obtains a corresponding payee code from a preset payee code database according to the current payee flag image in the payment request, specifically includes:

sending the payment request to the server, so that the server queries and obtains p pieces of information of undetermined payees corresponding to the current payee sign image in the payment request and all q pieces of payee codes corresponding to all the information of undetermined payees according to the current payee sign image in the payment request; wherein p is more than or equal to 2; q is more than or equal to p;

the receiving the payee cash register code sent by the server and completing the payment operation according to the payee cash register code specifically comprises:

and receiving each payee cash register code sent by the server, and completing the payment operation according to the selection operation of the payer to any payee cash register codes.

, the code database includes at least user information and at least user mark images, wherein each user information and each user mark image have corresponding relation;

the sending the payment request to the server to enable the server to obtain p pieces of information to be collected by querying from the collection code database according to the current collection party mark image in the payment request specifically includes:

and sending the payment request to the server, so that the server takes the user information corresponding to the user mark image corresponding to each similarity degree which is greater than a preset threshold value in the similarity degrees between the current payee mark image and each user mark image as the information of the to-be-received party according to the payment request, and acquiring p pieces of information of the to-be-received party.

Step , the acquiring the current payee flag image and generating a corresponding payment request according to the current payee flag image includes:

acquiring the current payee sign image and payer position information, and generating a corresponding payment request according to the current payee sign image and the payer position information; wherein the payer location information is current location information;

the sending the payment request to a server to enable the server to obtain a corresponding payee cash register code from a preset cash register database according to a current payee mark image in the payment request specifically includes:

and sending the payment request to a server so that the server can obtain the corresponding payee collection code from the collection code database according to the current payee identification image and the payer position information in the payment request.

, the sending the payment request to a server, so that the server obtains the corresponding payee barcode from the payee barcode database according to the current payee logo image and the payer location information in the payment request specifically includes:

sending the payment request to the server, so that the server can inquire and obtain corresponding payee information and the m payee cash codes corresponding to the payee information from the cash register database according to the current payee mark image and the payer position information in the payment request; wherein m is more than or equal to 2;

the receiving the payee cash register code sent by the server and completing the payment operation according to the payee cash register code specifically comprises:

when m is equal to 1, receiving the payee cash register code sent by the server, and completing the payment operation according to the payee cash register code;

and when m is more than or equal to 2, receiving each payee cash register code sent by the server, and completing the payment operation according to the selection operation of the payer on any payee cash register codes.

, the cashier code database comprises at least user information, at least user mark images and at least user position information, wherein each user information, each user mark image and each user position information have corresponding relations;

the sending the payment request to the server to enable the server to query and obtain corresponding payee information from the payee code database according to the current payee logo image and the payer position information in the payment request specifically includes:

sending the payment request to the server, so that the server calculates th similarity between the current payee logo image and each user logo image and second similarity between the payer position information and each user position information according to the payment request, and inquires the payee information corresponding to the payee logo image and the payer position information obtained from the payee code database according to each th similarity and the corresponding second similarity.

, the sending the payment request to the server, so that the server calculates -th similarity between the current payee flag image and each user flag image and second similarity between the payer location information and each user location information according to the payment request, and queries the payee flag image and the payee information corresponding to the payer location information obtained from the payee code database according to each -th similarity and the corresponding second similarity, specifically includes:

sending the payment request to the server, so that the server calculates th similarity between the current payee logo image and each user logo image and second similarity between the payer position information and each user position information according to the payment request, and taking the user information corresponding to the payer position information corresponding to the maximum value of the weighted sum of each th similarity and the corresponding second similarity as the payee information.

, the sending the payment request to the server, so that the server calculates -th similarity between the current payee flag image and each user flag image and second similarity between the payer location information and each user location information according to the payment request, and queries the payee flag image and the payee information corresponding to the payer location information obtained from the payee code database according to each -th similarity and the corresponding second similarity, specifically includes:

sending the payment request to the server, so that the server calculates th similarity between the current payee logo image and each user logo image and second similarity between the payer position information and each user position information according to the payment request, and after the user information corresponding to the user logo image corresponding to each th similarity larger than a preset threshold is used as undetermined payee information, using the undetermined payee information with the maximum second similarity in all the undetermined payee information as the payee information.

, the sending the payment request to the server, so that the server calculates -th similarity between the current payee flag image and each user flag image and second similarity between the payer location information and each user location information according to the payment request, and queries the payee flag image and the payee information corresponding to the payer location information obtained from the payee code database according to each -th similarity and the corresponding second similarity, specifically includes:

sending the payment request to the server, so that the server calculates th similarity between the current payee marker image and each user marker image and second similarity between the payer position information and each user position information according to the payment request, and after the user information corresponding to the user position information corresponding to each second similarity larger than a preset threshold value is used as undetermined payee information, taking the undetermined payee information with the maximum th similarity in all the undetermined payee information as the payee information.

, the cashier code database comprises at least user information, at least user mark images and at least user position information, wherein each user information, each user mark image and each user position information have corresponding relations;

the sending the payment request to the server to enable the server to query and obtain corresponding payee information from the payee code database according to the current payee logo image and the payer position information in the payment request specifically includes:

sending the payment request to the server, so that the server calculates th similarity between the current payee sign image and each user sign image and second similarity between the payer location information and each user location information according to the payment request, and after taking each user location information of which the th similarity is greater than a preset th threshold and the corresponding second similarity is greater than a preset second threshold as the to-be-determined payer location information, respectively taking the user information corresponding to each to-be-determined payer location information as the to-be-determined payee information;

receiving the information of each undetermined payee sent by the server, and generating a corresponding confirmation instruction according to the selection operation of the payer on the information of the undetermined payee ;

and sending the confirmation instruction to the server so that the server takes the information of the to-be-received party corresponding to the confirmation instruction as the information of the received party.

, the sending the payment request to a server, so that the server obtains the corresponding payee barcode from the payee barcode database according to the current payee logo image and the payer location information in the payment request specifically includes:

sending the payment request to the server, so that the server can inquire and obtain r pieces of information of undetermined payers and t pieces of payee codes corresponding to all pieces of information of undetermined payers from a payee code database according to the current payee mark image and the payer position information in the payment request; wherein r is more than or equal to 2; t is more than or equal to r;

the receiving the payee cash register code sent by the server and completing the payment operation according to the payee cash register code specifically comprises:

and receiving each payee cash register code sent by the server side, and completing payment operation according to the payee cash register code of any .

, the cashier code database comprises at least user information, at least user mark images and at least user position information, wherein each user information, each user mark image and each user position information have corresponding relations;

the sending the payment request to the server to enable the server to query and obtain corresponding r pieces of information of undetermined payees from the payee code database according to the current payee sign image and the payer position information in the payment request specifically includes:

sending the payment request to the server, so that the server takes the corresponding th similarity greater than a preset th threshold and the corresponding user information corresponding to each user position information with the second similarity greater than a preset second threshold as the undetermined payee information according to the payment request, and obtains r pieces of undetermined payee information, wherein each th similarity is the similarity between the current payee mark image and each user mark image, and each second similarity is the similarity between the payer position information and each user position information.

, the payer position information is payer coordinate information, and the payer coordinate information is three-dimensional coordinate information.

, the payer location information is payer coordinate information, the user location information is user coordinate information, the payer coordinate information is three-dimensional coordinate information, and the user coordinate information is three-dimensional coordinate information.

Step , the receiving the payee passcode sent by the server and completing the payment operation according to the payee passcode specifically includes:

receiving the payee cash register code sent by the server, and generating a corresponding payment instruction according to the payee cash register code;

and sending the payment instruction to the server so that the server transfers the target amount to a receiving account corresponding to the payee cash register.

Further , the sending the payment instruction to the server to enable the server to transfer the target amount to a receiving account corresponding to the payee barcode includes:

and sending the payment instruction to the server, so that the server deducts the target amount from the payment account corresponding to the payee payment code and then draws the target amount into the receiving account corresponding to the payee payment code.

Step , the receiving the payee passcode sent by the server and completing the payment operation according to the payee passcode specifically includes:

receiving the payee cash register code sent by the server, and generating a corresponding payment instruction according to the payee cash register code;

and sending the payment instruction to a target platform server corresponding to the payee cash register code so that the target platform server transfers the target amount to a receiving account corresponding to the payee cash register code.

Step , the receiving the payee passcode sent by the server and completing the payment operation according to the payee passcode specifically includes:

receiving the payee collection code sent by the server, and storing the payee collection code in a local album;

opening a target platform application, opening the local photo album in the target platform application and selecting the payee cash register code in the local photo album;

and controlling the target platform application to analyze the payee cash register code and finishing the payment operation according to an analysis result.

Correspondingly, the embodiment of the invention also provides types of payment devices based on the mark, which specifically comprise:

the payment request receiving module is used for receiving a payment request sent by a client of a payer; wherein the payment request includes a current payee logo image;

a payee code obtaining module for obtaining a corresponding payee code from a preset payee code database according to the current payee logo image; and the number of the first and second groups,

the payment completion module is used for sending the payee collecting code to the payer client so as to enable the payer client to complete payment operation according to the payee collecting code;

, the payee code obtaining module specifically includes:

a payee information obtaining unit, configured to query the payee code database according to the current payee logo image, and obtain corresponding payee information; and the number of the first and second groups,

a payee code obtaining unit, configured to query the payee code database to obtain the n payee codes corresponding to the payee information; wherein n is more than or equal to 1;

the payment completion module specifically comprises:

a th payment unit for sending the payee code to the payer client when n is 1, so that the payer client can complete the payment operation according to the payee code, or,

and the second payment unit is used for sending each payee code to the payer client when n is more than or equal to 2, so that the payer client finishes the payment operation according to the payee codes of any .

, the code database includes at least user information and at least user mark images, wherein each user information and each user mark image have corresponding relation;

the payee information obtaining unit specifically includes:

the similarity calculation operator unit is used for respectively calculating and obtaining the similarity between the current payee sign image and each user sign image;

a payee sign image obtaining subunit, configured to use the user sign image corresponding to the maximum similarity among all the similarities as a payee sign image; and the number of the first and second groups,

and the payee information obtaining subunit is used for inquiring the payee code database and taking the user information corresponding to the payee mark image as the payee information.

, the code database includes at least user information and at least user mark images, wherein each user information and each user mark image have corresponding relation;

the payee information obtaining unit specifically includes:

the similarity operator unit is used for calculating and obtaining the similarity between the current payee sign image and each user sign image;

a to-be-determined payer mark image obtaining subunit, configured to use, as to-be-determined payer mark images, the user mark images corresponding to each of the similarities greater than a preset threshold among all the similarities;

the undetermined payee information obtaining subunit is used for querying the payee code database and respectively taking the user information corresponding to each to-be-determined payer mark image as the undetermined payee information;

a pending payee information sending subunit, configured to send each piece of pending payee information to the payer client, so that the payer client generates a confirmation instruction according to the pending payee information of anybody ,

and the payee information obtaining subunit is used for receiving the confirmation instruction sent by the payer client and taking the information of the undetermined payee corresponding to the confirmation instruction as the payee information.

, the payee code obtaining module specifically includes:

the undetermined payee information obtaining unit is used for inquiring the payee code database according to the current payee mark image to obtain p pieces of corresponding undetermined payee information; wherein p is more than or equal to 2; and the number of the first and second groups,

a payee code obtaining unit, configured to query the payee code database, and take all user codes corresponding to the information of each to-be-determined payee as payee codes, respectively, to obtain q payee codes; wherein q is more than or equal to p;

the payment completion module specifically comprises:

and the payment unit is used for sending each payee code to the payer client so that the payer client completes the payment operation according to the payee codes of any .

, the code database includes at least user information and at least user mark images, wherein each user information and each user mark image have corresponding relation;

the information obtaining unit of the undetermined payee specifically comprises:

the similarity operator unit is used for calculating and obtaining the similarity between the current payee sign image and each user sign image; and the number of the first and second groups,

and the information obtaining subunit is configured to use, as the information of the party to be determined, the user information corresponding to the user logo image corresponding to each similarity greater than a preset threshold among all the similarities, and obtain p pieces of information of the party to be determined.

, the payment request also includes the position information of the payer;

the payee code obtaining module specifically comprises:

and the payee collection code obtaining unit is used for obtaining the corresponding payee collection code from the collection code database according to the current payee sign image and the payer position information.

, the payee code obtaining unit specifically includes:

the payee information obtaining subunit is used for inquiring the payee code database according to the current payee sign image and the payer position information to obtain corresponding payee information; and the number of the first and second groups,

a payee code obtaining subunit, configured to query the payee code database to obtain the m payee codes corresponding to the payee information; wherein m is more than or equal to 1;

the payment completion module specifically comprises:

the third payment unit is used for sending the payee collecting code to the payer client when m is equal to 1, so that the payer client finishes the payment operation according to the payee collecting code; alternatively, the first and second electrodes may be,

and the fourth payment unit is used for sending each payee code to the payer client when m is more than or equal to 2, so that the payer client finishes the payment operation according to the payee codes of any .

, the cashier code database comprises at least user information, at least user mark images and at least user position information, wherein each user information, each user mark image and each user position information have corresponding relations;

the payee information obtaining subunit specifically includes:

similarity operator unit for respectively calculating similarity between the current payee logo image and each user logo image;

the second similarity degree operator unit is used for respectively calculating and obtaining second similarity degrees between the position information of the payer and the position information of each user; and the number of the first and second groups,

and the final information obtaining subunit is configured to, in combination with each th similarity and the corresponding second similarity, query and obtain payee information corresponding to the current payee logo image and the payer location information from the payee code database.

Further , the final information obtaining subunit specifically includes:

a similarity obtaining subunit, configured to perform weighted summation on each th similarity and the corresponding second similarity to obtain a similarity corresponding to each piece of payment location information;

a payee position information obtaining subunit, configured to use the user position information corresponding to the maximum similarity among all the similarities as payee position information; and the number of the first and second groups,

and an information obtaining subunit, configured to query the payee code database, and use the user information corresponding to the payee location information as the payee information.

Further , the final information obtaining subunit specifically includes:

a pending payee information obtaining subunit, configured to query the payee code database, and use the user information corresponding to the user logo image corresponding to each -th similarity, of all the -th similarities which is greater than a preset threshold, as pending payee information,

and the second information obtaining subunit is configured to query the payee code database, and use the payee information with the largest second similarity among all the payee information to be determined as the payee information.

Further , the final information obtaining subunit specifically includes:

the information obtaining subunit of the undetermined payee is used for querying the payee code database and respectively taking the user information corresponding to the user position information corresponding to each second similarity with the second similarity larger than a preset threshold as the information of the undetermined payee; and the number of the first and second groups,

and the third information obtaining subunit is configured to query the payee code database, and use the payee information to be determined with the largest -th similarity among all the payee information to be determined as the payee information.

, the cashier code database comprises at least user information, at least user mark images and at least user position information, wherein each user information, each user mark image and each user position information have corresponding relations;

the payee information obtaining subunit specifically includes:

an similarity operator unit for calculating similarity between the current payee logo image and each of the user logo images;

the second similarity degree operator unit is used for calculating and obtaining a second similarity degree between the position information of the payer and the position information of each user;

a pending payer location information obtaining subunit, configured to use each piece of user location information, where the -th similarity is greater than a preset -th threshold and the corresponding second similarity is greater than a preset second threshold, as pending payer location information;

the information acquisition subunit of the undetermined payee is used for inquiring the payee code database and respectively taking the user information corresponding to the position information of each to-be-determined payment position as the information of the undetermined payee;

a pending payee information sending subunit, configured to send each piece of pending payee information to the payer client, so that the payer client generates a confirmation instruction according to the pending payee information of anybody ,

and the final information obtaining subunit is configured to receive the confirmation instruction sent by the payer client, and use the information of the to-be-determined payee corresponding to the confirmation instruction as the payee information.

, the payee code obtaining unit specifically includes:

the undetermined payee information obtaining subunit is used for querying the payee code database according to the current payee mark image and the payer position information to obtain corresponding r pieces of undetermined payee information; wherein r is more than or equal to 2; and the number of the first and second groups,

a payee code obtaining subunit, configured to query the payee code database, use all user codes corresponding to the information of each to-be-determined payee as payee codes, and obtain t payee codes; wherein t is more than or equal to r;

the payment completion module specifically comprises:

and the payment unit is used for sending each payee code to the payer client so that the payer client completes the payment operation according to the payee codes of any .

, the cashier code database comprises at least user information, at least user mark images and at least user position information, wherein each user information, each user mark image and each user position information have corresponding relations;

the information obtaining subunit of the undetermined payee specifically comprises:

an similarity operator unit for calculating similarity between the current payee logo image and each of the user logo images;

the second similarity degree operator unit is used for calculating and obtaining a second similarity degree between the position information of the payer and the position information of each user; and the number of the first and second groups,

and the final undetermined information obtaining subunit is configured to use, as the information of the party to be determined, the user information corresponding to each piece of the user location information for which the -th similarity is greater than a preset -th threshold and the corresponding second similarity is greater than a preset second threshold, and obtain r pieces of information of the party to be determined.

, the payer position information is payer coordinate information, and the payer coordinate information is three-dimensional coordinate information.

, the payer location information is payer coordinate information, the user location information is user coordinate information, the payer coordinate information is three-dimensional coordinate information, and the user coordinate information is three-dimensional coordinate information.

, the payment completion module specifically includes:

the payer collection code sending unit is used for sending the collection code of the payee to the payer client so that the payer client generates a corresponding payment instruction according to the collection code of the payee;

a payment instruction receiving unit, configured to receive the payment instruction sent by the payer client;

a receiving account obtaining unit, configured to obtain a receiving account corresponding to the payee payment code according to the payment instruction, and,

and the target amount drawing unit is used for drawing the target amount into the receiving account.

, the payment completion module further comprises:

the payment account obtaining unit is used for obtaining a payment account corresponding to the payee cash register code according to the payment instruction; and the number of the first and second groups,

and the target amount deduction unit is used for deducting the target amount from the payment account.

, the payment completion module specifically includes:

and the target amount transfer unit is used for returning the payee code to the client so as to enable the client to generate a corresponding payment instruction according to the payee code and enable the target platform server corresponding to the payee code to transfer the target amount to the receiving account corresponding to the payee code through the payment instruction.

, the token-based payment apparatus further comprises:

the register request receiving module is used for receiving a register request sent by a payee; the registration request comprises user information, a user mark image, user position information and a user collection code corresponding to the payer; and the number of the first and second groups,

and the user data storage module is used for storing the user information, the user mark image, the user position information and the user collection code corresponding to the collection party in the registration request into the collection code database when the verification of the collection party is passed.

, the token-based payment apparatus further comprises:

the system comprises a user data acquisition module, a transaction processing module and a payment processing module, wherein the user data acquisition module is used for acquiring user information, a user mark image, user position information and a user payment code corresponding to a payee when transaction operation related to the payee is detected; and the number of the first and second groups,

and the user data storage module is used for storing the user information, the user mark image, the user position information and the user collection code corresponding to the collection party into the collection code database when the number of the transaction operations is larger than a preset threshold value.

, the token-based payment apparatus further comprises:

the updating request receiving module is used for receiving a data updating request sent by the payee client; and the number of the first and second groups,

and the user data updating module is used for correspondingly updating the data corresponding to the payee client in the payee code database according to the data updating request.

The embodiment of the invention also provides payment devices based on the mark, which specifically comprise:

the payment request generation module is used for acquiring a current payee sign image and generating a corresponding payment request according to the current payee sign image; the current payee sign image is an image obtained by shooting a sign of a payee;

the payment request sending module is used for sending the payment request to a server so that the server can obtain a corresponding payee cash register code from a preset cash register database according to a current payee mark image in the payment request; and the number of the first and second groups,

and the payment completion module is used for receiving the payee code sent by the server and completing payment operation according to the payee code.

Further , the payment request sending module specifically includes:

the payment request sending unit is used for sending the payment request to the server so that the server can inquire and obtain corresponding payee information and the n payee codes corresponding to the payee information from the payee code database according to the current payee mark image in the payment request; wherein n is more than or equal to 1;

the payment completion module specifically comprises:

a th payment unit, for receiving the payee code sent by the server and completing the payment operation according to the payee code when n is 1, or,

and the second payment unit is used for receiving each payee code sent by the server side when n is more than or equal to 2, and completing payment operation according to any payee codes.

, the code database includes at least user information and at least user mark images, wherein each user information and each user mark image have corresponding relation;

the payment request sending unit specifically includes:

and the payment request sending subunit is used for sending the payment request to the server so that the server takes the user mark image corresponding to the maximum similarity in the similarities between the current payee mark image and each user mark image as a payee mark image according to the payment request, and takes the user information corresponding to the payee mark image obtained by inquiring from the payee code database as the payee information.

, the code database includes at least user information and at least user mark images, wherein each user information and each user mark image have corresponding relation;

the payment request sending unit specifically includes:

a payment request sending subunit, configured to send the payment request to the server, so that the server uses, according to the payment request, the user identifier image corresponding to each similarity greater than a preset threshold in the similarities between the current payee identifier image and each user identifier image as an undetermined payee identifier image, and uses the user information corresponding to each payee identifier image, which is obtained by querying in the payee database, as undetermined payee information, respectively;

a confirming instruction generating subunit, configured to receive the information of each undetermined payee sent by the server, and generate a corresponding confirming instruction according to a selection operation of the payer on the information of the undetermined payee , and,

and the confirmation instruction sending subunit is used for sending the confirmation instruction to the server so that the server takes the information of the to-be-received party corresponding to the confirmation instruction as the information of the to-be-received party.

Further , the payment request sending module specifically includes:

the payment request sending unit is used for sending the payment request to the server so that the server can inquire and obtain p pieces of information of undetermined payees and all q pieces of payee codes corresponding to all the information of undetermined payees from a payee code database according to the current payee mark image in the payment request; wherein p is more than or equal to 2; q is more than or equal to p;

the payment completion module specifically comprises:

and the payment unit is used for receiving each payee code sent by the server and finishing the payment operation according to the selection operation of the payer on any payee codes.

, the code database includes at least user information and at least user mark images, wherein each user information and each user mark image have corresponding relation;

the payment request sending unit specifically includes:

and the payment request sending subunit is configured to send the payment request to the server, so that the server uses, as the information of the undetermined payee, the user information corresponding to the user sign image corresponding to each of the similarities, which are greater than a preset threshold value, among the similarities between the current payee sign image and each of the user sign images according to the payment request, and obtains p pieces of information of the undetermined payee.

Further , the payment request generation module specifically includes:

the payment request generating unit is used for acquiring the current payee sign image and the position information of a payer and generating a corresponding payment request according to the current payee sign image and the position information of the payer; wherein the payer location information is current location information;

the payment request sending module specifically comprises:

and the payment request sending unit is used for sending the payment request to a server so that the server can obtain the corresponding payee cash register code from the cash register database according to the current payee mark image and the payer position information in the payment request.

Further , the payment request sending unit specifically includes:

the payment request sending subunit is used for sending the payment request to the server so that the server can inquire and obtain corresponding payee information and the m payee cash codes corresponding to the payee information from the cash register database according to the current payee logo image and the payer position information in the payment request; wherein m is more than or equal to 2;

the payment completion module specifically comprises:

the third payment unit is used for receiving the payee cash register code sent by the server side when m is equal to 1, and completing the payment operation according to the payee cash register code; alternatively, the first and second electrodes may be,

and the fourth payment unit is used for receiving each payee code sent by the server when m is more than or equal to 2, and completing the payment operation according to the selection operation of the payer on any payee codes.

, the cashier code database comprises at least user information, at least user mark images and at least user position information, wherein each user information, each user mark image and each user position information have corresponding relations;

the payment request sending subunit specifically includes:

a request sending subunit, configured to send the payment request to the server, so that the server calculates, according to the payment request, -th similarity between the current payee flag image and each user flag image and a second similarity between the payer location information and each user location information, and queries, according to each -th similarity and the corresponding second similarity, the payee flag image and the payee information corresponding to the payer location information, which are obtained from the payee code database.

Further , the request sending subunit specifically includes:

, a request sending subunit, configured to send the payment request to the server, so that the server calculates, according to the payment request, -th similarity between the current payee flag image and each user flag image and second similarity between the payer location information and each user location information, and takes the user information corresponding to the payer location information corresponding to a maximum value of a weighted sum of each -th similarity and the corresponding second similarity as the payee information.

Further , the request sending subunit specifically includes:

a second request sending subunit, configured to send the payment request to the server, so that the server calculates, according to the payment request, -th similarity between the current payee flag image and each user flag image and a second similarity between the payer location information and each user location information, and after the user information corresponding to each user flag image with a similarity of that is greater than a preset threshold is used as pending payee information, uses the pending payee information with the largest second similarity among all pending payee information as the payee information.

Further , the request sending subunit specifically includes:

a third request sending subunit, configured to send the payment request to the server, so that the server calculates, according to the payment request, -th similarity between the current payee flag image and each user flag image and a second similarity between the payer location information and each user location information, and after the user information corresponding to the user location information corresponding to each second similarity larger than a preset threshold is used as pending payee information, uses the pending payee information with the largest -th similarity among all the pending payee information as the payee information.

, the cashier code database comprises at least user information, at least user mark images and at least user position information, wherein each user information, each user mark image and each user position information have corresponding relations;

the payment request sending subunit specifically includes:

a request sending subunit, configured to send the payment request to the server, so that the server calculates, according to the payment request, -th similarity between the current payee flag image and each user flag image and second similarity between the payer location information and each user location information, and after taking, as to-be-determined payer location information, each piece of user location information whose -th similarity is greater than a preset -th threshold and whose corresponding second similarity is greater than a preset second threshold, takes, as to-be-determined payee location information, the user information corresponding to each piece of to-be-determined payer location information;

a confirming instruction generating subunit, configured to receive the information of each undetermined payee sent by the server, and generate a corresponding confirming instruction according to a selection operation of the payer on the information of the undetermined payee , and,

and the confirmation instruction sending subunit is used for sending the confirmation instruction to the server so that the server takes the information of the to-be-received party corresponding to the confirmation instruction as the information of the to-be-received party.

Further , the payment request sending unit specifically includes:

the payment request sending subunit is used for sending the payment request to the server so that the server can query and obtain r pieces of information of undetermined payers and t pieces of payee codes corresponding to all the information of undetermined payers from a payee code database according to the current payee mark image and the payer position information in the payment request; wherein r is more than or equal to 2; t is more than or equal to r;

the payment completion module specifically comprises:

and the payment unit is used for receiving each payee code sent by the server and completing payment operation according to any payee codes.

, the cashier code database comprises at least user information, at least user mark images and at least user position information, wherein each user information, each user mark image and each user position information have corresponding relations;

the payment request sending subunit specifically includes:

the request sending subunit is configured to send the payment request to the server, so that the server obtains r pieces of information of the undetermined payee by taking, as the information of the undetermined payee, the user information corresponding to each piece of user location information, where the corresponding -th similarity is greater than a preset threshold and the corresponding second similarity is greater than a preset second threshold, where each -th similarity is a similarity between the current payee flag image and each user flag image, and each second similarity is a similarity between the payer location information and each piece of user location information.

, the payer position information is payer coordinate information, and the payer coordinate information is three-dimensional coordinate information.

, the payer location information is payer coordinate information, the user location information is user coordinate information, the payer coordinate information is three-dimensional coordinate information, and the user coordinate information is three-dimensional coordinate information.

, the payment completion module specifically includes:

the payment instruction generating unit is used for receiving the payee cash register code sent by the server and generating a corresponding payment instruction according to the payee cash register code; and the number of the first and second groups,

and the target amount drawing-in unit is used for sending the payment instruction to the server so as to enable the server to draw the target amount into a receiving account corresponding to the payee cash register.

, the token-based payment apparatus further comprises:

and the target amount deducting unit is used for sending the payment instruction to the server so that the server deducts the target amount from a payment account corresponding to the payee cash code and then draws the target amount into a receiving account corresponding to the payee cash code.

, the payment completion module specifically includes:

the payment instruction generating unit is used for receiving the payee cash register code sent by the server and generating a corresponding payment instruction according to the payee cash register code; and the number of the first and second groups,

and the target amount transfer unit sends the payment instruction to a target platform server corresponding to the payee code, so that the target platform server transfers the target amount to a receiving account corresponding to the payee code.

, the payment completion module specifically includes:

the collection code storage unit is used for receiving the collection code of the collection party sent by the server and storing the collection code of the collection party into a local album;

the payee code opening unit is used for opening a target platform application, opening the local album in the target platform application and selecting the payee code in the local album; and the number of the first and second groups,

and the payee code analysis unit is used for controlling the target platform application to analyze the payee code and finishing the payment operation according to an analysis result.

Correspondingly, the embodiment of the invention also provides sign-based payment systems, which specifically comprise a server and at least payer clients;

the server being any of the th token-based payment devices of item ;

the payer client, being any one of the token based payment devices of item as defined above in the second type of token based payment device.

The embodiment of the present invention further provides apparatuses, which specifically include a processor, a memory, and a computer program stored in the memory and configured to be executed by the processor, wherein the processor, when executing the computer program, implements the token-based payment method as described in any of above.

An embodiment of the present invention further provides computer-readable storage media, in particular comprising a stored computer program, wherein the computer program is operable to perform the token-based payment method of any of .

The implementation of the embodiment of the invention has the following beneficial effects:

the sign-based payment method, the sign-based payment device, the sign-based payment system, the sign-based payment device and the sign-based payment device, and the readable storage medium, provided by the embodiment of the invention, have the advantages that cash register database are pre-configured in the server, and sign images and cash registers of all payees are correspondingly stored, so that when a payer pays, the corresponding cash register code of the payee can be obtained only by shooting the sign of the payee and sending the obtained sign image to the server, and corresponding payment is completed.

Drawings

FIG. 1 is a schematic flow diagram of preferred embodiments of the token-based payment method provided by the present invention;

FIG. 2 is a schematic flow diagram of another preferred embodiments of the token-based payment method provided by the present invention;

FIG. 3 is a schematic diagram of the construction of preferred embodiments of the token-based payment device provided by the present invention;

FIG. 4 is a schematic structural diagram of another preferred embodiments of the token-based payment device provided by the present invention;

FIG. 5 is a schematic diagram of the structure of preferred embodiments of the token-based payment system provided by the present invention;

fig. 6 is a schematic structural view of preferred embodiments of the apparatus provided by the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be described clearly and completely with reference to the accompanying drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only partial embodiments of , but not all embodiments.

As shown in fig. 1, a schematic flowchart of preferred embodiments of sign-based payment methods provided by the present invention is applicable to a server, and includes steps S11 to S13:

s11: receiving a payment request sent by a client of a payer; wherein the payment request includes a current payee logo image;

s12: acquiring a corresponding payee cash register code from a preset cash register database according to the current payee mark image;

s13: and sending the payee collection code to the payer client so that the payer client completes payment operation according to the payee collection code.

The service end and the client end of the payer are connected in a wireless mode through WIFI, Bluetooth, cellular data and the like.

In the embodiment of the invention, cash register code databases are pre-configured in the server, and the mark image and the cash register code of each cash register are correspondingly stored, so that when a payer pays, the corresponding cash register code of the payee can be obtained and corresponding payment can be finished only by shooting the mark of the payee and sending the shot mark image to the server.

In another preferred embodiments, the server obtains payee information (i.e. determine -only payee and merchant) according to the logo image, and returns or more payer payee codes corresponding to the payee information to the payer client, so that the payer client completes payment according to or more payer payee codes.

The step S12 specifically includes steps S1211 to S1212:

s1211: inquiring the payee code database according to the current payee sign image to obtain corresponding payee information;

s1212: inquiring the payee code database to obtain the n payee codes corresponding to the payee information; wherein n is more than or equal to 1;

the step S13 specifically includes step S1311 or step S1312:

s1311: when n is 1, the payee collection code is sent to the payer client, so that the payer client completes the payment operation according to the payee collection code;

s1312, when n is larger than or equal to 2, each payee collection code is sent to the payer client, so that the payer client completes the payment operation according to the payee collection codes of any .

Further , the method for the server to obtain the aforementioned payee information is the best and most matched payee determined by the server itself.

The cash register code database comprises at least user information and at least user mark images, wherein each user information and each user mark image have corresponding relation;

the step S1211 specifically includes:

respectively calculating and obtaining the similarity between the current payee logo image and each user logo image;

taking the user mark image corresponding to the maximum similarity in all the similarities as a payee mark image;

and inquiring the payee code database, and taking the user information corresponding to the payee sign image as the payee information.

, the second way for the server to obtain of payee information is that the server sends the matched payee information to the payer client, and the payer selects and judges the best and most matched payee.

The cash register code database comprises at least user information and at least user mark images, wherein each user information and each user mark image have corresponding relation;

the step S1211 specifically includes:

calculating and obtaining the similarity between the current payee logo image and each user logo image;

taking the user mark image corresponding to each similarity larger than a preset threshold in all the similarities as a mark image of a party to be determined for payment;

inquiring the payee code database, and respectively taking the user information corresponding to each to-be-determined payer mark image as information of the to-be-determined payers;

sending each piece of information of the undetermined payee to the payer client so that the payer client generates a confirmation instruction according to the information of the undetermined payee ;

and receiving the confirmation instruction sent by the payer client, and taking the information of the undetermined payee corresponding to the confirmation instruction as the information of the payee.

In another preferred embodiments, the number of the payee information obtained by the server according to the logo image is multiple, the server returns all the payer payee codes corresponding to the payee information to the payer client, and the payer selects and judges the best and most matched payee to complete the payment.

Step S12 specifically includes steps S1221 to S1222:

s1221: inquiring the payee code database according to the current payee sign image to obtain corresponding p pieces of information of the payee to be determined; wherein p is more than or equal to 2;

s1222: inquiring the payee code database, and taking all user payee codes corresponding to the information of each payee to be determined as payee codes respectively to obtain q payee codes; wherein q is more than or equal to p;

the step S13 specifically includes step S1321:

s1321, sending each payee code to the payer client, so that the payer client completes the payment operation according to the payee codes of any .

, the code database includes at least user information and at least user mark images, wherein each user information and each user mark image have corresponding relation;

the step S1221 specifically includes:

calculating and obtaining the similarity between the current payee logo image and each user logo image;

and taking the user information corresponding to the user mark image corresponding to each similarity larger than a preset threshold value in all the similarities as the information of the to-be-determined payer, and obtaining p pieces of information of the to-be-determined payer.

In another preferred embodiments, the payment request further includes payer location information;

the step S12 specifically includes step S1231:

s1231: and acquiring the corresponding payee collection code from the collection code database according to the current payee identification image and the payer position information.

, the service end obtains payee information (i.e. determine payee and merchant) according to the logo image and the location information, and returns or more payer payee codes corresponding to the payee information to the payer client, so that the payer client completes payment according to or more payer payee codes.

The step S1231 specifically includes steps S1231_11 to S1231_ 12:

s1231_ 11: inquiring the payee code database according to the current payee sign image and the payer position information to obtain corresponding payee information;

s1231_ 12: inquiring the payee code database to obtain m payee codes corresponding to the payee information; wherein m is more than or equal to 1;

the step S13 specifically includes step S1331 or step S1332:

s1331: when m is 1, sending the payee collection code to the payer client so that the payer client completes the payment operation according to the payee collection code;

s1332, when m is larger than or equal to 2, sending each payee cash register code to the payer client, so that the payer client completes the payment operation according to the payee cash register code of any .

Further , the method for the server to obtain the aforementioned payee information is the best and most matched payee determined by the server itself.

The cash register code database comprises at least user information, at least user sign images and at least user position information, wherein each user information, each user sign image and each user position information have corresponding relation;

the step S1231_11 specifically includes steps S1231_1111 to S1231_ 1113:

s1231_1111, respectively calculating and obtaining th similarity between the current payee logo image and each user logo image;

s1231_ 1112: respectively calculating and obtaining a second similarity between the position information of the payer and the position information of each user;

and S1231-1113, inquiring and obtaining payee information corresponding to the current payee logo image and the payer position information from the payee code database by combining each th similarity and the corresponding second similarity.

Further , the server determines the best matching payee by summing the weighted sums between the degree of similarity and the second degree of similarity.

The step S1231_1113 specifically includes:

weighting and summing each th similarity and the corresponding second similarity to obtain the similarity corresponding to each payment position information;

taking the user position information corresponding to the maximum similarity in all the similarities as payee position information;

and inquiring the payee code database, and taking the user information corresponding to the payee position information as the payee information.

, the server determines the best matching payee according to the similarity and then according to the second similarity.

The step S1231_1113 specifically includes:

querying the code database of the payee, and respectively taking the user information corresponding to the user logo image corresponding to each similarity which is greater than a preset threshold value in all similarities as information of an undetermined payee;

and inquiring the payee code database, and taking the payee information with the maximum second similarity in all the payee information to be determined as the payee information.

, the server determines the best matching payee according to the second similarity and then according to the similarity.

The step S1231_1113 specifically includes:

querying the payee code database, and respectively taking the user information corresponding to the user position information corresponding to each second similarity with the second similarity larger than a preset threshold as information of an undetermined payee;

and inquiring the payee code database, and taking the payee information with the maximum similarity in all the payee information as the payee information.

In another preferred embodiments, the second way for the server to obtain of payee information is that the server sends the matched payee information to the payer client, and the payer selects and determines the best and most matched payee.

The cash register code database comprises at least user information, at least user sign images and at least user position information, wherein each user information, each user sign image and each user position information have corresponding relation;

the step S1231_11 specifically includes steps S1231_1121 through S1231_ 1126:

s1231_1121, calculating and obtaining th similarity between the current payee logo image and each user logo image;

s1231_ 1122: calculating and obtaining a second similarity between the position information of the payer and the position information of each user;

s1231_1123, taking each user position information of which the th similarity is greater than a preset th threshold and the corresponding second similarity is greater than a preset second threshold as the position information of the to-be-determined payer;

s1231_ 1124: inquiring the payee code database, and respectively taking the user information corresponding to the position information of each to-be-determined payer as information of the to-be-determined payee;

s1231_1125, sending each piece of information of the undetermined payee to the payer client so that the payer client generates a confirmation instruction according to the information of the undetermined payee ;

s1231_ 1126: and receiving the confirmation instruction sent by the payer client, and taking the information of the undetermined payee corresponding to the confirmation instruction as the information of the payee.

In another preferred embodiments, the number of the payee information obtained by the server according to the logo image and the location information is multiple, the server returns all the payer payee codes corresponding to the payee information to the payer client, and the payer selects and judges the best and most matched payee to complete the payment.

The step S1231 specifically includes steps S1231_21 to S1231_ 22:

s1231_ 21: inquiring the payee code database according to the current payee sign image and the payer position information to obtain corresponding r pieces of information of the payee to be determined; wherein r is more than or equal to 2;

s1231_ 22: inquiring the payee code database, and respectively taking all user payee codes corresponding to the information of each payee to be determined as payee codes to obtain t payee codes; wherein t is more than or equal to r;

the step S13 specifically includes step S1341:

s1341, sending each payee passcode to the payer client, so that the payer client completes the payment operation according to the payee passcode of anybody .

, the cashier code database comprises at least user information, at least user mark images and at least user position information, wherein each user information, each user mark image and each user position information have corresponding relations;

the step S1231_21 specifically includes:

calculating th similarity between the current payee logo image and each user logo image;

calculating and obtaining a second similarity between the position information of the payer and the position information of each user;

and taking the user information corresponding to each piece of user position information of which the th similarity is greater than a preset th threshold and the corresponding second similarity is greater than a preset second threshold as the information of the to-be-determined payer, and obtaining r pieces of information of the to-be-determined payer.

In another preferred embodiments, the payer location information is payer coordinate information and the payer coordinate information is three-dimensional coordinate information.

It should be noted that in the specific embodiments of , the payer location information may also be position information, multi-position coordinate information, etc., and is not limited herein.

In another preferred embodiments, the payer location information is payer coordinate information, the user location information is user coordinate information, the payer coordinate information is three-dimensional coordinate information, and the user coordinate information is three-dimensional coordinate information.

It should be noted that in the specific embodiments of , the payer location information and the user location information may also be location information, multi-location coordinate information, etc., and are not limited herein.

In another preferred embodiments, the transfer of the final target amount is completed by the server.

The step S13 specifically includes:

sending the payee collection code to the payer client so that the payer client generates a corresponding payment instruction according to the payee collection code;

receiving the payment instruction sent by the payer client;

obtaining a receiving account corresponding to the payee cash register code according to the payment instruction;

and crediting the target amount to the receiving account.

, before the crediting the target amount to the receiving account, further comprising:

obtaining a payment account corresponding to the payee cash register code according to the payment instruction;

deducting the target amount from the payment account.

In another preferred embodiments, the final target amount is allocated by the payment platform server of the third party, which may be a wechat platform, a paypal platform, a unionpay platform, etc.

The step S13 specifically includes:

and returning the payee cash register code to the client so that the client generates a corresponding payment instruction according to the payee cash register code and enables the target platform server corresponding to the payee cash register code to transfer the target amount to a receiving account corresponding to the payee cash register code through the payment instruction.

In another preferred embodiments, the payee manually logs his own user data in the server.

Before the step S12, the method further includes:

receiving a registration request sent by a payee; the registration request comprises user information, a user mark image, user position information and a user collection code corresponding to the payer;

and when the payee passes the verification, storing the user information, the user mark image, the user position information and the user payee code corresponding to the payee in the registration request into the payee code database.

It should be noted that in the specific embodiment , the payee (merchant) may also be assisted by the bank staff, an agent of patent .

In another preferred embodiments, the payee automatically stores his own user data in the server.

Before the step S12, the method further includes:

when transaction operation related to a payee is detected, acquiring user information, a user mark image, user position information and a user cash register code corresponding to the payee;

and when the number of the transaction operations is larger than a preset threshold value, storing the user information, the user mark image, the user position information and the user collection code corresponding to the collection party into a collection code database.

When the payee (merchant) is not registered in the server, the server does not have the relevant user data of the payee, so that when a payment request containing the information of the payee is received, the server automatically records the information of the payee and continues to detect the transaction operation relevant to the payee. And when the number of times of the transaction operation is greater than a preset threshold value, automatically storing the related user data of the payee into a payee database.

In another preferred embodiments, the server can update the relevant data in the payee database according to the request of the payee.

Before the step S12, the method further includes:

receiving a data updating request sent by a payee client;

and correspondingly updating the data corresponding to the payee client in the payee code database according to the data updating request.

It should be noted that in , the server may also automatically update the data in the cash register database periodically.

In the position-based payment method provided by the embodiment of the invention, payee code databases are pre-configured in the server, and the mark image and the payee code of each payee are correspondingly stored, so that when a payer pays, only the mark of the payee needs to be shot, and the shot mark image is sent to the server, the corresponding payee code of the payee can be obtained, and corresponding payment is completed.

As shown in fig. 2, a schematic flow chart of preferred embodiments of another sign-based payment methods provided by the present invention, which is suitable for a payer client, includes steps S21 to S23:

s21: acquiring a current payee sign image, and generating a corresponding payment request according to the current payee sign image; the current payee sign image is an image obtained by shooting a sign of a payee;

s22: sending the payment request to a server side so that the server side can obtain a corresponding payee cash register code from a preset cash register code database according to a current payee mark image in the payment request;

s23: and receiving the payee cash register code sent by the server, and completing payment operation according to the payee cash register code.

In another preferred embodiments, the step S22 specifically includes step S2211:

s2211: sending the payment request to the server, so that the server can inquire and obtain corresponding payee information and the n payee codes corresponding to the payee information from the payee code database according to the current payee mark image in the payment request; wherein n is more than or equal to 1;

the step S13 specifically includes step S1311 or step S1312:

s1311: when n is 1, receiving the payee cash register code sent by the server, and completing the payment operation according to the payee cash register code;

and S1312, when n is more than or equal to 2, receiving each payee cash register code sent by the server, and completing payment operation according to the payee cash register codes of any .

, the code database includes at least user information and at least user mark images, wherein each user information and each user mark image have corresponding relation;

the step S2211 specifically includes:

and sending the payment request to the server, so that the server takes the user mark image corresponding to the maximum similarity in the similarities between the current payee mark image and each user mark image as a payee mark image according to the payment request, and takes the user information corresponding to the payee mark image obtained by inquiring from the payee code database as the payee information.

, the code database includes at least user information and at least user mark images, wherein each user information and each user mark image have corresponding relation;

the step S2211 specifically includes:

sending the payment request to the server, so that the server takes the user mark image corresponding to each similarity degree which is greater than a preset threshold value in the similarity degrees between the current payee mark image and each user mark image as an undetermined payee mark image according to the payment request, and respectively takes the user information corresponding to each payee mark image obtained by query from the payee code database as undetermined payee information;

receiving the information of each undetermined payee sent by the server, and generating a corresponding confirmation instruction according to the selection operation of the payer on the information of the undetermined payee ;

and sending the confirmation instruction to the server so that the server takes the information of the to-be-received party corresponding to the confirmation instruction as the information of the received party.

In another preferred embodiments, the step S22 specifically includes step S2221:

s2221: sending the payment request to the server, so that the server queries and obtains p pieces of information of undetermined payees corresponding to the current payee sign image in the payment request and all q pieces of payee codes corresponding to all the information of undetermined payees according to the current payee sign image in the payment request; wherein p is more than or equal to 2; q is more than or equal to p;

the step S23 specifically includes step S2321:

s2321, receiving each payee cash register code sent by the server, and completing the payment operation according to the selection operation of the payer to any payee cash register codes.

, the code database includes at least user information and at least user mark images, wherein each user information and each user mark image have corresponding relation;

the step S2221 specifically includes:

and sending the payment request to the server, so that the server takes the user information corresponding to the user mark image corresponding to each similarity degree which is greater than a preset threshold value in the similarity degrees between the current payee mark image and each user mark image as the information of the to-be-received party according to the payment request, and acquiring p pieces of information of the to-be-received party.

In another preferred embodiments, the step S21 specifically includes:

acquiring the current payee sign image and payer position information, and generating a corresponding payment request according to the current payee sign image and the payer position information; wherein the payer location information is current location information;

the step S22 specifically includes step S2231:

s2231: and sending the payment request to a server so that the server can obtain the corresponding payee collection code from the collection code database according to the current payee identification image and the payer position information in the payment request.

Further , the step S2231 specifically includes step S2231_ 11:

s2231_ 11: sending the payment request to the server, so that the server can inquire and obtain corresponding payee information and the m payee cash codes corresponding to the payee information from the cash register database according to the current payee mark image and the payer position information in the payment request; wherein m is more than or equal to 2;

the step S23 specifically includes step S2331 or step S2332:

s2331: when m is equal to 1, receiving the payee cash register code sent by the server, and completing the payment operation according to the payee cash register code;

s2332, when m is larger than or equal to 2, receiving each payee code sent by the server, and completing the payment operation according to the selection operation of the payer on any payee codes.

, the cashier code database comprises at least user information, at least user mark images and at least user position information, wherein each user information, each user mark image and each user position information have corresponding relations;

the step S2231_11 specifically includes S2231_ 1111:

s2231_1111, sending the payment request to the server, so that the server calculates th similarity between the current payee flag image and each user flag image and second similarity between the payer location information and each user location information according to the payment request, and queries the payee flag image and the payee information corresponding to the payer location information obtained from the payee code database according to each th similarity and the corresponding second similarity.

Further , the step S2231_1111 specifically includes:

sending the payment request to the server, so that the server calculates th similarity between the current payee logo image and each user logo image and second similarity between the payer position information and each user position information according to the payment request, and taking the user information corresponding to the payer position information corresponding to the maximum value of the weighted sum of each th similarity and the corresponding second similarity as the payee information.

Further , the step S2231_1111 specifically includes:

sending the payment request to the server, so that the server calculates th similarity between the current payee logo image and each user logo image and second similarity between the payer position information and each user position information according to the payment request, and after the user information corresponding to the user logo image corresponding to each th similarity larger than a preset threshold is used as undetermined payee information, using the undetermined payee information with the maximum second similarity in all the undetermined payee information as the payee information.

Further , the step S2231_1111 specifically includes:

sending the payment request to the server, so that the server calculates th similarity between the current payee marker image and each user marker image and second similarity between the payer position information and each user position information according to the payment request, and after the user information corresponding to the user position information corresponding to each second similarity larger than a preset threshold value is used as undetermined payee information, taking the undetermined payee information with the maximum th similarity in all the undetermined payee information as the payee information.

In another preferred embodiments, the payee code database comprises at least user information, at least user logo images and at least user location information, wherein each user information, each user logo image and each user location information have corresponding relations;

the step S2231_11 specifically includes S2231_1121 to S2231_ 1123:

s2231_1121, sending the payment request to the server, so that the server calculates th similarity between the current payee flag image and each user flag image and second similarity between the payer location information and each user location information according to the payment request, and after taking each user location information, of which the th similarity is greater than a preset th threshold and the corresponding second similarity is greater than a preset second threshold, as to-be-determined payer location information, respectively taking the user information corresponding to each to-be-determined payer location information as to-be-determined payee information;

s2231_1122, receiving each information of the undetermined payee sent by the server, and generating a corresponding confirmation instruction according to the selection operation of the payment user on the information of the undetermined payee ;

s2231_ 1123: and sending the confirmation instruction to the server so that the server takes the information of the to-be-received party corresponding to the confirmation instruction as the information of the received party.

In another preferred embodiments, the step S2231 specifically includes S2231_ 21:

s2231_ 21: sending the payment request to the server, so that the server can inquire and obtain r pieces of information of undetermined payers and t pieces of payee codes corresponding to all pieces of information of undetermined payers from a payee code database according to the current payee mark image and the payer position information in the payment request; wherein r is more than or equal to 2; t is more than or equal to r;

the S23 specifically includes S2341:

and S2341, receiving each payee cash register code sent by the server side, and completing payment operation according to the payee cash register code of any .

, the cashier code database comprises at least user information, at least user mark images and at least user position information, wherein each user information, each user mark image and each user position information have corresponding relations;

the step S2231_21 specifically includes:

sending the payment request to the server, so that the server takes the corresponding th similarity greater than a preset th threshold and the corresponding user information corresponding to each user position information with the second similarity greater than a preset second threshold as the undetermined payee information according to the payment request, and obtains r pieces of undetermined payee information, wherein each th similarity is the similarity between the current payee mark image and each user mark image, and each second similarity is the similarity between the payer position information and each user position information.

In another preferred embodiments, the payer location information is payer coordinate information and the payer coordinate information is three-dimensional coordinate information.

In another preferred embodiments, the payer location information is payer coordinate information, the user location information is user coordinate information, the payer coordinate information is three-dimensional coordinate information, and the user coordinate information is three-dimensional coordinate information.

In another preferred embodiments, the step S23 specifically includes:

receiving the payee cash register code sent by the server, and generating a corresponding payment instruction according to the payee cash register code;

and sending the payment instruction to the server so that the server transfers the target amount to a receiving account corresponding to the payee cash register.

Further , the sending the payment instruction to the server to enable the server to transfer the target amount to a receiving account corresponding to the payee barcode includes:

and sending the payment instruction to the server, so that the server deducts the target amount from the payment account corresponding to the payee payment code and then draws the target amount into the receiving account corresponding to the payee payment code.

In another preferred embodiments, the step S23 specifically includes:

receiving the payee cash register code sent by the server, and generating a corresponding payment instruction according to the payee cash register code;

and sending the payment instruction to a target platform server corresponding to the payee cash register code so that the target platform server transfers the target amount to a receiving account corresponding to the payee cash register code.

In another preferred embodiments, the step S23 specifically includes:

receiving the payee collection code sent by the server, and storing the payee collection code in a local album;

opening a target platform application, opening the local photo album in the target platform application and selecting the payee cash register code in the local photo album;

and controlling the target platform application to analyze the payee cash register code and finishing the payment operation according to an analysis result.

The target platform Application may be a payment platform such as a WeChat APP (Application), a Payment treasure APP, a UnionPay APP, and the like, which is not limited herein.

In the position-based payment method provided by the embodiment of the invention, payee code databases are pre-configured in the server, and the mark image and the payee code of each payee are correspondingly stored, so that when a payer pays, only the mark of the payee needs to be shot, and the shot mark image is sent to the server, the corresponding payee code of the payee can be obtained, and corresponding payment is completed.

Accordingly, the present invention also provides two types of payment apparatuses based on the token, which can implement all the processes of the payment method based on the token in the above embodiments.

As shown in fig. 3, a schematic structural diagram of preferred embodiments of sign-based payment devices provided by the present invention specifically includes:

a payment request receiving module 31, configured to receive a payment request sent by a payer client; wherein the payment request includes a current payee logo image;

a payee code obtaining module 32, configured to obtain a corresponding payee code from a preset payee code database according to the current payee flag image; and the number of the first and second groups,

the payment completion module 33 is configured to send the payee barcode to the payer client, so that the payer client completes a payment operation according to the payee barcode;

, the payee code obtaining module specifically includes:

a payee information obtaining unit, configured to query the payee code database according to the current payee logo image, and obtain corresponding payee information; and the number of the first and second groups,

a payee code obtaining unit, configured to query the payee code database to obtain the n payee codes corresponding to the payee information; wherein n is more than or equal to 1;

the payment completion module specifically comprises:

a th payment unit for sending the payee code to the payer client when n is 1, so that the payer client can complete the payment operation according to the payee code, or,

and the second payment unit is used for sending each payee code to the payer client when n is more than or equal to 2, so that the payer client finishes the payment operation according to the payee codes of any .

, the code database includes at least user information and at least user mark images, wherein each user information and each user mark image have corresponding relation;

the payee information obtaining unit specifically includes:

the similarity calculation operator unit is used for respectively calculating and obtaining the similarity between the current payee sign image and each user sign image;

a payee sign image obtaining subunit, configured to use the user sign image corresponding to the maximum similarity among all the similarities as a payee sign image; and the number of the first and second groups,

and the payee information obtaining subunit is used for inquiring the payee code database and taking the user information corresponding to the payee mark image as the payee information.

, the code database includes at least user information and at least user mark images, wherein each user information and each user mark image have corresponding relation;

the payee information obtaining unit specifically includes:

the similarity operator unit is used for calculating and obtaining the similarity between the current payee sign image and each user sign image;

a to-be-determined payer mark image obtaining subunit, configured to use, as to-be-determined payer mark images, the user mark images corresponding to each of the similarities greater than a preset threshold among all the similarities;

the undetermined payee information obtaining subunit is used for querying the payee code database and respectively taking the user information corresponding to each to-be-determined payer mark image as the undetermined payee information;

a pending payee information sending subunit, configured to send each piece of pending payee information to the payer client, so that the payer client generates a confirmation instruction according to the pending payee information of anybody ,

and the payee information obtaining subunit is used for receiving the confirmation instruction sent by the payer client and taking the information of the undetermined payee corresponding to the confirmation instruction as the payee information.

, the payee code obtaining module specifically includes:

the undetermined payee information obtaining unit is used for inquiring the payee code database according to the current payee mark image to obtain p pieces of corresponding undetermined payee information; wherein p is more than or equal to 2; and the number of the first and second groups,

a payee code obtaining unit, configured to query the payee code database, and take all user codes corresponding to the information of each to-be-determined payee as payee codes, respectively, to obtain q payee codes; wherein q is more than or equal to p;

the payment completion module specifically comprises:

and the payment unit is used for sending each payee code to the payer client so that the payer client completes the payment operation according to the payee codes of any .

, the code database includes at least user information and at least user mark images, wherein each user information and each user mark image have corresponding relation;

the information obtaining unit of the undetermined payee specifically comprises:

the similarity operator unit is used for calculating and obtaining the similarity between the current payee sign image and each user sign image; and the number of the first and second groups,

and the information obtaining subunit is configured to use, as the information of the party to be determined, the user information corresponding to the user logo image corresponding to each similarity greater than a preset threshold among all the similarities, and obtain p pieces of information of the party to be determined.

, the payment request also includes the position information of the payer;

the payee code obtaining module specifically comprises:

and the payee collection code obtaining unit is used for obtaining the corresponding payee collection code from the collection code database according to the current payee sign image and the payer position information.

, the payee code obtaining unit specifically includes:

the payee information obtaining subunit is used for inquiring the payee code database according to the current payee sign image and the payer position information to obtain corresponding payee information; and the number of the first and second groups,

a payee code obtaining subunit, configured to query the payee code database to obtain the m payee codes corresponding to the payee information; wherein m is more than or equal to 1;

the payment completion module specifically comprises:

the third payment unit is used for sending the payee collecting code to the payer client when m is equal to 1, so that the payer client finishes the payment operation according to the payee collecting code; alternatively, the first and second electrodes may be,

and the fourth payment unit is used for sending each payee code to the payer client when m is more than or equal to 2, so that the payer client finishes the payment operation according to the payee codes of any .

, the cashier code database comprises at least user information, at least user mark images and at least user position information, wherein each user information, each user mark image and each user position information have corresponding relations;

the payee information obtaining subunit specifically includes:

similarity operator unit for respectively calculating similarity between the current payee logo image and each user logo image;

the second similarity degree operator unit is used for respectively calculating and obtaining second similarity degrees between the position information of the payer and the position information of each user; and the number of the first and second groups,

and the final information obtaining subunit is configured to, in combination with each th similarity and the corresponding second similarity, query and obtain payee information corresponding to the current payee logo image and the payer location information from the payee code database.

Further , the final information obtaining subunit specifically includes:

a similarity obtaining subunit, configured to perform weighted summation on each th similarity and the corresponding second similarity to obtain a similarity corresponding to each piece of payment location information;

a payee position information obtaining subunit, configured to use the user position information corresponding to the maximum similarity among all the similarities as payee position information; and the number of the first and second groups,

and an information obtaining subunit, configured to query the payee code database, and use the user information corresponding to the payee location information as the payee information.

Further , the final information obtaining subunit specifically includes:

a pending payee information obtaining subunit, configured to query the payee code database, and use the user information corresponding to the user logo image corresponding to each -th similarity, of all the -th similarities which is greater than a preset threshold, as pending payee information,

and the second information obtaining subunit is configured to query the payee code database, and use the payee information with the largest second similarity among all the payee information to be determined as the payee information.

Further , the final information obtaining subunit specifically includes:

the information obtaining subunit of the undetermined payee is used for querying the payee code database and respectively taking the user information corresponding to the user position information corresponding to each second similarity with the second similarity larger than a preset threshold as the information of the undetermined payee; and the number of the first and second groups,

and the third information obtaining subunit is configured to query the payee code database, and use the payee information to be determined with the largest -th similarity among all the payee information to be determined as the payee information.

, the cashier code database comprises at least user information, at least user mark images and at least user position information, wherein each user information, each user mark image and each user position information have corresponding relations;

the payee information obtaining subunit specifically includes:

an similarity operator unit for calculating similarity between the current payee logo image and each of the user logo images;

the second similarity degree operator unit is used for calculating and obtaining a second similarity degree between the position information of the payer and the position information of each user;

a pending payer location information obtaining subunit, configured to use each piece of user location information, where the -th similarity is greater than a preset -th threshold and the corresponding second similarity is greater than a preset second threshold, as pending payer location information;

the information acquisition subunit of the undetermined payee is used for inquiring the payee code database and respectively taking the user information corresponding to the position information of each to-be-determined payment position as the information of the undetermined payee;

a pending payee information sending subunit, configured to send each piece of pending payee information to the payer client, so that the payer client generates a confirmation instruction according to the pending payee information of anybody ,

and the final information obtaining subunit is configured to receive the confirmation instruction sent by the payer client, and use the information of the to-be-determined payee corresponding to the confirmation instruction as the payee information.

, the payee code obtaining unit specifically includes:

the undetermined payee information obtaining subunit is used for querying the payee code database according to the current payee mark image and the payer position information to obtain corresponding r pieces of undetermined payee information; wherein r is more than or equal to 2; and the number of the first and second groups,

a payee code obtaining subunit, configured to query the payee code database, use all user codes corresponding to the information of each to-be-determined payee as payee codes, and obtain t payee codes; wherein t is more than or equal to r;

the payment completion module specifically comprises:

and the payment unit is used for sending each payee code to the payer client so that the payer client completes the payment operation according to the payee codes of any .

, the cashier code database comprises at least user information, at least user mark images and at least user position information, wherein each user information, each user mark image and each user position information have corresponding relations;

the information obtaining subunit of the undetermined payee specifically comprises:

an similarity operator unit for calculating similarity between the current payee logo image and each of the user logo images;

the second similarity degree operator unit is used for calculating and obtaining a second similarity degree between the position information of the payer and the position information of each user; and the number of the first and second groups,

and the final undetermined information obtaining subunit is configured to use, as the information of the party to be determined, the user information corresponding to each piece of the user location information for which the -th similarity is greater than a preset -th threshold and the corresponding second similarity is greater than a preset second threshold, and obtain r pieces of information of the party to be determined.

, the payer position information is payer coordinate information, and the payer coordinate information is three-dimensional coordinate information.

, the payer location information is payer coordinate information, the user location information is user coordinate information, the payer coordinate information is three-dimensional coordinate information, and the user coordinate information is three-dimensional coordinate information.

, the payment completion module specifically includes:

the payer collection code sending unit is used for sending the collection code of the payee to the payer client so that the payer client generates a corresponding payment instruction according to the collection code of the payee;

a payment instruction receiving unit, configured to receive the payment instruction sent by the payer client;

a receiving account obtaining unit, configured to obtain a receiving account corresponding to the payee payment code according to the payment instruction, and,

and the target amount drawing unit is used for drawing the target amount into the receiving account.

, the payment completion module further comprises:

the payment account obtaining unit is used for obtaining a payment account corresponding to the payee cash register code according to the payment instruction; and the number of the first and second groups,

and the target amount deduction unit is used for deducting the target amount from the payment account.

, the payment completion module specifically includes:

and the target amount transfer unit is used for returning the payee code to the client so as to enable the client to generate a corresponding payment instruction according to the payee code and enable the target platform server corresponding to the payee code to transfer the target amount to the receiving account corresponding to the payee code through the payment instruction.

, the token-based payment apparatus further comprises:

the register request receiving module is used for receiving a register request sent by a payee; the registration request comprises user information, a user mark image, user position information and a user collection code corresponding to the payer; and the number of the first and second groups,

and the user data storage module is used for storing the user information, the user mark image, the user position information and the user collection code corresponding to the collection party in the registration request into the collection code database when the verification of the collection party is passed.

, the token-based payment apparatus further comprises:

the system comprises a user data acquisition module, a transaction processing module and a payment processing module, wherein the user data acquisition module is used for acquiring user information, a user mark image, user position information and a user payment code corresponding to a payee when transaction operation related to the payee is detected; and the number of the first and second groups,

and the user data storage module is used for storing the user information, the user mark image, the user position information and the user collection code corresponding to the collection party into the collection code database when the number of the transaction operations is larger than a preset threshold value.

, the token-based payment apparatus further comprises:

the updating request receiving module is used for receiving a data updating request sent by the payee client; and the number of the first and second groups,

and the user data updating module is used for correspondingly updating the data corresponding to the payee client in the payee code database according to the data updating request.

In the payment device based on the mark, cash collecting code databases are pre-configured in the server, and the mark image and the cash collecting code of each cash collecting party are correspondingly stored, so that when a payer pays, the mark of each cash collecting party is only needed to be shot, the shot mark image is sent to the server, the corresponding cash collecting code of the cash collecting party can be obtained, and corresponding payment is completed.

As shown in fig. 4, a schematic structural diagram of preferred embodiments of another sign-based payment devices provided by the present invention specifically includes:

a payment request generating module 41, configured to obtain a current payee logo image, and generate a corresponding payment request according to the current payee logo image; the current payee sign image is an image obtained by shooting a sign of a payee;

the payment request sending module 42 is configured to send the payment request to a server, so that the server obtains a corresponding payee cash code from a preset cash code database according to a current payee flag image in the payment request; and the number of the first and second groups,

and the payment completion module 43 is configured to receive the payee code sent by the server, and complete payment operation according to the payee code.

Further , the payment request sending module specifically includes:

the payment request sending unit is used for sending the payment request to the server so that the server can inquire and obtain corresponding payee information and the n payee codes corresponding to the payee information from the payee code database according to the current payee mark image in the payment request; wherein n is more than or equal to 1;

the payment completion module specifically comprises:

a th payment unit, for receiving the payee code sent by the server and completing the payment operation according to the payee code when n is 1, or,

and the second payment unit is used for receiving each payee code sent by the server side when n is more than or equal to 2, and completing payment operation according to any payee codes.

, the code database includes at least user information and at least user mark images, wherein each user information and each user mark image have corresponding relation;

the payment request sending unit specifically includes:

and the payment request sending subunit is used for sending the payment request to the server so that the server takes the user mark image corresponding to the maximum similarity in the similarities between the current payee mark image and each user mark image as a payee mark image according to the payment request, and takes the user information corresponding to the payee mark image obtained by inquiring from the payee code database as the payee information.

, the code database includes at least user information and at least user mark images, wherein each user information and each user mark image have corresponding relation;

the payment request sending unit specifically includes:

a payment request sending subunit, configured to send the payment request to the server, so that the server uses, according to the payment request, the user identifier image corresponding to each similarity greater than a preset threshold in the similarities between the current payee identifier image and each user identifier image as an undetermined payee identifier image, and uses the user information corresponding to each payee identifier image, which is obtained by querying in the payee database, as undetermined payee information, respectively;

a confirming instruction generating subunit, configured to receive the information of each undetermined payee sent by the server, and generate a corresponding confirming instruction according to a selection operation of the payer on the information of the undetermined payee , and,

and the confirmation instruction sending subunit is used for sending the confirmation instruction to the server so that the server takes the information of the to-be-received party corresponding to the confirmation instruction as the information of the to-be-received party.

Further , the payment request sending module specifically includes:

the payment request sending unit is used for sending the payment request to the server so that the server can inquire and obtain p pieces of information of undetermined payees and all q pieces of payee codes corresponding to all the information of undetermined payees from a payee code database according to the current payee mark image in the payment request; wherein p is more than or equal to 2; q is more than or equal to p;

the payment completion module specifically comprises:

and the payment unit is used for receiving each payee code sent by the server and finishing the payment operation according to the selection operation of the payer on any payee codes.

, the code database includes at least user information and at least user mark images, wherein each user information and each user mark image have corresponding relation;

the payment request sending unit specifically includes:

and the payment request sending subunit is configured to send the payment request to the server, so that the server uses, as the information of the undetermined payee, the user information corresponding to the user sign image corresponding to each of the similarities, which are greater than a preset threshold value, among the similarities between the current payee sign image and each of the user sign images according to the payment request, and obtains p pieces of information of the undetermined payee.

Further , the payment request generation module specifically includes:

the payment request generating unit is used for acquiring the current payee sign image and the position information of a payer and generating a corresponding payment request according to the current payee sign image and the position information of the payer; wherein the payer location information is current location information;

the payment request sending module specifically comprises:

and the payment request sending unit is used for sending the payment request to a server so that the server can obtain the corresponding payee cash register code from the cash register database according to the current payee mark image and the payer position information in the payment request.

Further , the payment request sending unit specifically includes:

the payment request sending subunit is used for sending the payment request to the server so that the server can inquire and obtain corresponding payee information and the m payee cash codes corresponding to the payee information from the cash register database according to the current payee logo image and the payer position information in the payment request; wherein m is more than or equal to 2;

the payment completion module specifically comprises:

the third payment unit is used for receiving the payee cash register code sent by the server side when m is equal to 1, and completing the payment operation according to the payee cash register code; alternatively, the first and second electrodes may be,

and the fourth payment unit is used for receiving each payee code sent by the server when m is more than or equal to 2, and completing the payment operation according to the selection operation of the payer on any payee codes.

, the cashier code database comprises at least user information, at least user mark images and at least user position information, wherein each user information, each user mark image and each user position information have corresponding relations;

the payment request sending subunit specifically includes:

a request sending subunit, configured to send the payment request to the server, so that the server calculates, according to the payment request, -th similarity between the current payee flag image and each user flag image and a second similarity between the payer location information and each user location information, and queries, according to each -th similarity and the corresponding second similarity, the payee flag image and the payee information corresponding to the payer location information, which are obtained from the payee code database.

Further , the request sending subunit specifically includes:

, a request sending subunit, configured to send the payment request to the server, so that the server calculates, according to the payment request, -th similarity between the current payee flag image and each user flag image and second similarity between the payer location information and each user location information, and takes the user information corresponding to the payer location information corresponding to a maximum value of a weighted sum of each -th similarity and the corresponding second similarity as the payee information.

Further , the request sending subunit specifically includes:

a second request sending subunit, configured to send the payment request to the server, so that the server calculates, according to the payment request, -th similarity between the current payee flag image and each user flag image and a second similarity between the payer location information and each user location information, and after the user information corresponding to each user flag image with a similarity of that is greater than a preset threshold is used as pending payee information, uses the pending payee information with the largest second similarity among all pending payee information as the payee information.

Further , the request sending subunit specifically includes:

a third request sending subunit, configured to send the payment request to the server, so that the server calculates, according to the payment request, -th similarity between the current payee flag image and each user flag image and a second similarity between the payer location information and each user location information, and after the user information corresponding to the user location information corresponding to each second similarity larger than a preset threshold is used as pending payee information, uses the pending payee information with the largest -th similarity among all the pending payee information as the payee information.

, the cashier code database comprises at least user information, at least user mark images and at least user position information, wherein each user information, each user mark image and each user position information have corresponding relations;

the payment request sending subunit specifically includes:

a request sending subunit, configured to send the payment request to the server, so that the server calculates, according to the payment request, -th similarity between the current payee flag image and each user flag image and second similarity between the payer location information and each user location information, and after taking, as to-be-determined payer location information, each piece of user location information whose -th similarity is greater than a preset -th threshold and whose corresponding second similarity is greater than a preset second threshold, takes, as to-be-determined payee location information, the user information corresponding to each piece of to-be-determined payer location information;

a confirming instruction generating subunit, configured to receive the information of each undetermined payee sent by the server, and generate a corresponding confirming instruction according to a selection operation of the payer on the information of the undetermined payee , and,

and the confirmation instruction sending subunit is used for sending the confirmation instruction to the server so that the server takes the information of the to-be-received party corresponding to the confirmation instruction as the information of the to-be-received party.

Further , the payment request sending unit specifically includes:

the payment request sending subunit is used for sending the payment request to the server so that the server can query and obtain r pieces of information of undetermined payers and t pieces of payee codes corresponding to all the information of undetermined payers from a payee code database according to the current payee mark image and the payer position information in the payment request; wherein r is more than or equal to 2; t is more than or equal to r;

the payment completion module specifically comprises:

and the payment unit is used for receiving each payee code sent by the server and completing payment operation according to any payee codes.

, the cashier code database comprises at least user information, at least user mark images and at least user position information, wherein each user information, each user mark image and each user position information have corresponding relations;

the payment request sending subunit specifically includes:

the request sending subunit is configured to send the payment request to the server, so that the server obtains r pieces of information of the undetermined payee by taking, as the information of the undetermined payee, the user information corresponding to each piece of user location information, where the corresponding -th similarity is greater than a preset threshold and the corresponding second similarity is greater than a preset second threshold, where each -th similarity is a similarity between the current payee flag image and each user flag image, and each second similarity is a similarity between the payer location information and each piece of user location information.

, the payer position information is payer coordinate information, and the payer coordinate information is three-dimensional coordinate information.

, the payer location information is payer coordinate information, the user location information is user coordinate information, the payer coordinate information is three-dimensional coordinate information, and the user coordinate information is three-dimensional coordinate information.

, the payment completion module specifically includes:

the payment instruction generating unit is used for receiving the payee cash register code sent by the server and generating a corresponding payment instruction according to the payee cash register code; and the number of the first and second groups,

and the target amount drawing-in unit is used for sending the payment instruction to the server so as to enable the server to draw the target amount into a receiving account corresponding to the payee cash register.

, the token-based payment apparatus further comprises:

and the target amount deducting unit is used for sending the payment instruction to the server so that the server deducts the target amount from a payment account corresponding to the payee cash code and then draws the target amount into a receiving account corresponding to the payee cash code.

, the payment completion module specifically includes:

the payment instruction generating unit is used for receiving the payee cash register code sent by the server and generating a corresponding payment instruction according to the payee cash register code; and the number of the first and second groups,

and the target amount transfer unit sends the payment instruction to a target platform server corresponding to the payee code, so that the target platform server transfers the target amount to a receiving account corresponding to the payee code.

, the payment completion module specifically includes:

the collection code storage unit is used for receiving the collection code of the collection party sent by the server and storing the collection code of the collection party into a local album;

the payee code opening unit is used for opening a target platform application, opening the local album in the target platform application and selecting the payee code in the local album; and the number of the first and second groups,

and the payee code analysis unit is used for controlling the target platform application to analyze the payee code and finishing the payment operation according to an analysis result.

In the payment device based on the mark, cash collecting code databases are pre-configured in the server, and the mark image and the cash collecting code of each cash collecting party are correspondingly stored, so that when a payer pays, the mark of each cash collecting party is only needed to be shot, the shot mark image is sent to the server, the corresponding cash collecting code of the cash collecting party can be obtained, and corresponding payment is completed.

Accordingly, the present invention also provides sign-based payment systems.

As shown in fig. 5, a schematic structural diagram of preferred embodiments of the token-based payment system provided by the present invention specifically includes a service end 51 and at least payer clients 52;

the server 51 being any of the token-based payment devices of item as described above in ;

the payer client 52 is any one of the token based payment devices of item , as described above in relation to the second token based payment device.

In the payment system based on the mark, cash collecting code databases are pre-configured in the server, and the mark image and the cash collecting code of each cash collecting party are correspondingly stored, so that when a payer pays, the mark of each cash collecting party is only needed to be shot, and the shot mark image is sent to the server, so that the corresponding cash collecting code of the cash collecting party can be obtained, and corresponding payment is completed.

The invention also provides kinds of equipment.

As shown in fig. 6, a schematic structural diagram of preferred embodiments of the device provided by the present invention includes a processor 61, a memory 62, and a computer program stored in the memory 62 and configured to be executed by the processor 61, wherein the processor 61 implements the token-based payment method as described in any embodiment when executing the computer program.

It should be noted that fig. 6 only illustrates that memories and processors in the device are connected, and in specific embodiments, the device may further include a plurality of memories and/or a plurality of processors, and the specific number and connection mode thereof may be set and adapted according to actual needs.

In some preferred embodiments , the payee code database further comprises position information corresponding to each payee, the payer can shoot the mark of the payee and send the shot mark image to the server, and the payer can send the shot mark image to the server, and send the shot mark image to the server, so that the payer can complete the corresponding payment.

The invention further provides computer-readable storage media, which particularly includes a stored computer program, wherein when the computer program runs, the apparatus on which the computer-readable storage media is located is controlled to execute the token-based payment method as described in any of the embodiments.

It should be noted that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in computer readable storage medium, and the computer program can implement the steps of the embodiments of the methods described above when executed by a processor, wherein the computer program includes computer program code, which can be in source code form, object code form, executable file or some intermediate form, and the like.

In another preferred embodiments, the payee code database further comprises position information corresponding to each payee, the payer can shoot the payee's mark and send the shot mark image to the server, and the payer can send the shot mark image to the server, and send the obtained mark image to the server, and send the position information to the server, so that the server combines the mark image and the current position information of the payer to obtain the corresponding payee code from the payee code database and return the payee code to the payer, so that the payer can complete the corresponding payment.

While the foregoing is directed to the preferred embodiment of the present invention, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention.