CN109034827A - Payment method, payment device, wearable device and storage medium - Google Patents

Abstract

The embodiment of the application discloses a payment method, a payment device, wearable equipment and a storage medium, wherein the method comprises the following steps: when the payment information is collected through the camera, voice payment prompt information is played through a bone conduction loudspeaker or an earphone; acquiring voice data acquired by a microphone, and identifying the voice data to obtain payment amount; the payment information and the payment amount are sent to the server for the server pays according to the payment information and the payment amount, manual operation of a user in a payment process is reduced, the payment convenience is improved, the payment efficiency is improved, time is saved for the user, and meanwhile the payment server has high safety.

Description

Payment method, device, wearable device and storage medium

technical field

The embodiment of the present application relates to computer technology, and in particular to a payment method, device, wearable device and storage medium.

Background technique

With the development of computing equipment and the advancement of Internet technology, the interaction between users and smart devices is becoming more and more frequent, such as using smart phones to watch movies and TV shows, using smart TVs to watch TV programs, and using smart watches to view short messages and physical parameters Wait.

In the prior art, the user needs to perform corresponding payment activities after shopping, usually by using a smart phone to scan codes for payment. This method has defects and needs to be improved.

Contents of the invention

The application provides a payment method, device, wearable device and storage medium, which reduces the manual operation of the user in the payment process, improves the convenience of payment, improves the efficiency of payment, saves time for the user, and has a higher security.

In the first aspect, the embodiment of this application provides a payment method, including:

When the payment information is collected through the camera, the voice payment prompt information is played through the bone conduction speaker or earphone;

Obtain the voice data collected by the microphone, and identify the voice data to obtain the payment amount;

Sending the payment information and the payment amount to the server, for the server to make payment according to the payment information and the payment amount.

In the second aspect, the embodiment of the present application also provides a payment device, including:

The prompt module is used to play the voice payment prompt information through the bone conduction speaker or earphone when the payment information is collected by the camera;

The identification module is used to obtain the voice data collected by the microphone, and identify the voice data to obtain the payment amount;

A sending module, configured to send the payment information and the payment amount to a server, for the server to make payment according to the payment information and the payment amount.

In the third aspect, the embodiment of the present application also provides a wearable device, including: a processor, a memory, and a computer program stored on the memory and operable on the processor, and the processor implements the computer program when executing the computer program. The payment method described in the embodiment of this application.

In the fourth aspect, the embodiment of the present application also provides a storage medium containing executable instructions of the wearable device, and the executable instruction of the wearable device is used to execute the instructions described in the embodiment of the present application when executed by the processor of the wearable device. payment method.

In this solution, when the payment information is collected through the camera, the voice payment prompt information is played through the bone conduction speaker or earphone, and then the voice data collected by the microphone is obtained, and the payment amount is obtained through voice recognition. Finally, the payment information and payment The amount is sent to the server together for the server to pay according to the payment information and payment amount, which reduces the manual operation of the user in the payment process, improves the convenience of payment, improves the payment efficiency, saves time for the user, and has a relatively High security.

Description of drawings

Other characteristics, objects and advantages of the present application will become more apparent by reading the detailed description of non-limiting embodiments made with reference to the following drawings:

Fig. 1 is a flow chart of a payment method provided by the embodiment of the present application;

Figure 2 is a flow chart of another payment method provided by the embodiment of this application;

Fig. 3 is a flow chart of another payment method provided by the embodiment of this application;

Fig. 4 is a flowchart of another payment method provided by the embodiment of the present application;

Fig. 5 is a structural block diagram of a payment device provided by an embodiment of the present application;

Fig. 6 is a schematic structural diagram of a wearable device provided by an embodiment of the present application;

Fig. 7 is a schematic physical diagram of a wearable device provided by an embodiment of the present application.

Detailed ways

The application will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are used to explain the present application rather than limit the present application. In addition, it should be noted that, for the convenience of description, only some structures related to the present application are shown in the drawings but not all structures.

Figure 1 is a flow chart of a payment method provided by the embodiment of the application, which is applicable to the situation of using a wearable device to complete mobile payment, and the method can be executed by the wearable device provided by the embodiment of the application, the wearable device The payment device can be realized by means of software and/or hardware, as shown in Figure 1, the specific solution provided by this embodiment can include:

Step S101, when the payment information is collected by the camera, play the voice payment prompt information through the bone conduction speaker or earphone.

The payment method provided in this embodiment of the application can be applied to any payment scenario, such as shopping, transfer, and transportation ticket purchase. The voice payment function of the wearable device can be automatically turned on when the payment information is collected, or it can be turned on by the user through voice or manual operation control before the payment information is collected. For example, a wearable device uses a camera to capture or scan an image. When payment information is collected, the voice payment function is automatically enabled, and a voice payment prompt is played to the user through a bone conduction speaker or earphone to remind the user that there will be a payment task. Wherein, the payment information can be understood as identification information indicating that the user needs to conduct money transactions, and can be stored in the cache area of the wearable device.

Exemplarily, when a user wears a wearable device to shop in a mall and checks out, the camera on the wearable device scans multiple QR code images on the counter at the same time, including the QR code of the merchant's official account and the payment QR code. After image recognition and analysis, the payment QR code of the merchant is confirmed. At this time, the payment information is the payment QR code. Of course, the user can also confirm the payment QR code image of the merchant in advance, and directly use the wearable device to scan the image. Collect payment information; or, after the camera on the wearable device captures the image on the counter marked with the name of the payee and the account number of the payee, after image recognition and analysis, it is confirmed that the name of the payee in the image is the merchant. The payment account is the merchant account, and the payment information at this time is the name of the payee and the account number of the payee. When the payment information is collected, the voice payment prompt information is played to the user, and the content of the voice payment prompt information may be, for example, "whether to make the current payment". Compared with the situation in the prior art that requires the user to manually turn on the scanning function of the mobile terminal and manually scan the payment code of the merchant to make payment, this embodiment uses the wearable device to automatically collect the payment information and then turn on the voice payment function, or control the wearable After the voice payment function is turned on, the device automatically collects payment information, which can omit the user's manual scanning payment operation and improve the convenience of payment.

Among them, the form of playing the payment prompt can be switched according to the user's preference and the user's environment. Specifically, the wearable device can automatically switch according to the user's preset settings and detected environmental information, or the user can control the switching. Among them, The ambient information includes ambient noise loudness. Exemplarily, the user pre-sets that the earphones are preferred to play voice payment prompt information. When the wearable device invokes the monitoring program and detects that the current environment is noisy, it can automatically switch to the bone conduction prompt mode and use the bone conduction speaker to play the voice to the user. The payment prompt information is convenient for users to hear the prompt information clearly.

Step S102, acquiring the voice data collected by the microphone, and recognizing the voice data to obtain the payment amount.

After the user receives the voice payment prompt information, and confirms the payment, the payment amount is transmitted to the wearable device through voice interaction with the wearable device. Compared with the situation in the prior art that requires the user to manually input the payment amount , the use of voice input amount further improves the convenience of payment and improves the payment efficiency; if the user does not need to pay currently, the wearable device will recognize the user's intention, end the current payment operation or turn off the voice payment function.

Continuing to take the above example as an example, after the user receives the voice payment prompt message "Whether to make the current payment", the user replies "Confirm the payment, the payment amount is XX", the wearable device recognizes the user's voice data, extracts the keywords, and obtains The payment amount is XX; if the user replies "no payment", the wearable device can end the current payment operation or turn off the voice payment function.

In addition, it should be noted that the wearable device also has the function of delayed payment or fixed payment, that is, when no payment is currently required, the voice payment prompt information will be played to the user again after a long time delay, or the payment will be made at the time set by the user. Enable the voice payment function and play voice payment prompts to users.

Example 1: When the wearable device collects the payment information, it will play the voice payment prompt information to the user, but the user wants to pay after 20 minutes, the user can reply "pay after 20 minutes" to the wearable device, and the wearable device passes the identification The user activates the delayed payment function by voice. At this time, the wearable device can choose not to close the voice payment function and be in the payment suspension state, or can choose to close the voice payment function, which is not specifically limited in this embodiment. Among them, if the wearable device turns on the delayed payment function and then turns off the voice payment function, the voice payment function can be restarted directly according to the user's current location, and the voice payment prompt information will be played to the user without repeated collection of payment information, which is collected in advance and stored in the cache The payment information in the zone is still valid. Specifically, the user location before and after the delayed payment function is enabled does not change, indicating that the current payment merchant does not change, and the payment information does not change, so there is no need for repeated collection.

Example 2: The user sets payment at 17 o'clock. When the time clock in the wearable device detects that the current time is 17 o'clock, the camera is called to collect the payment information. When the payment information is collected, the voice payment prompt information is played to the user. Get the user voice data and extract the payment amount.

Step S103, sending the payment information and payment amount to the server, so that the server can make payment according to the payment information and payment amount.

After the wearable device obtains the payment information and payment amount, it will be sent to the server, and the server will complete the subsequent payment operation. Wherein, the server has obtained the user's payment account information and automatic payment authorization in advance, and can guarantee the security of the user's payment, which will not be discussed in detail in this embodiment.

This embodiment is based on a wearable device. From the start of payment to the completion of payment, no manual operation is required by the user, realizing voice-controlled intelligent payment, improving the convenience and efficiency of payment; at the same time, based on the uniqueness of voice, through recognition The user's own voice extracts the payment amount, which ensures the user's fund security and payment security, and can avoid malicious payments caused by non-user's own voice input. Moreover, using wearable devices for intelligent payment can reduce the user's dependence on mobile terminals, reduce power consumption of mobile terminals, and increase battery life of mobile terminals.

Optionally, the payment information includes at least one of bank card account, two-dimensional code or barcode; sending the payment information and the payment amount to the server includes: sending the payment information and the payment amount to the server through the interface of the bank application program or the third-party application program sent to the corresponding server.

Depending on the payment information, different communication methods can be selected between the wearable device and the server. Specifically, when the payment information obtained by the wearable device is the payee's bank card account, or the QR code and barcode corresponding to the bank's payment, the payment information and payment amount are sent to the corresponding bank account through the interface of the bank application program. server, the server obtains the user's payment account information, and automatically completes the payment without the intervention of a third-party application; when the payment information obtained by the wearable device is a QR code or When using barcodes, for example, relying on payment QR codes or barcodes on various public platforms such as Baidu, WeChat, and Alipay, the payment information and payment amount are sent to the corresponding server through the interface of the third-party application program to complete automatic payment.

After the automatic payment is completed, the server can return the payment completion transaction information to the wearable device, and the wearable device saves the transaction information and plays it to the user through the bone conduction speaker or earphone to remind the user that the payment has been completed.

It can be seen from the above that in this solution, when the payment information is collected through the camera, the voice payment prompt information can be played through the bone conduction speaker or earphone, and the payment amount can be obtained based on the interaction between the user and the wearable device. Finally, the payment information and payment The amount is sent to the server together, and the server automatically pays according to the payment information and payment amount, reducing the manual operations of the user during the payment process, such as manually scanning the merchant's payment code, manually entering the amount, etc., improving the convenience of payment and improving the payment efficiency. Payment efficiency saves time for users and has high security; moreover, using wearable devices to replace mobile terminals for smart payment can reduce users' dependence on mobile terminals, reduce power consumption of mobile terminals, and improve battery life of the mobile terminal.

In a possible embodiment, the content of the payment information is identified to determine whether it contains a prepaid amount, wherein the prepaid amount is the amount included in the payment information for the user to pay, such as a roll-up in a shopping mall If a QR code is set in the QR code and an amount number (such as 200) is set under the QR code, then the payment information collected by the camera includes not only the payment content for transfer (the merchant corresponding to the QR code), but also The prepayment amount that needs to be paid. At this time, after obtaining the voice data collected by the microphone, compare the payment amount obtained by recognizing the voice data with the prepayment amount. If the comparison is consistent, the payment action will be directly carried out (payment information and the payment amount are sent to the server), optionally, the payment action can also be completed by directly recognizing the acquired voice data for verification instead of comparison. For example, when the payment information includes the prepayment amount At this time, the user can send voice data to confirm the payment. When the voice data is recognized and the preset instruction (such as the voice and text command of "confirm payment" is recognized), the payment action will be carried out directly, that is, the payment information and payment amount will be sent to Therefore, when the payment information includes the payment amount, the server can directly verify whether to pay, without the need for the user to send voice data containing the payment amount again, which improves the payment efficiency and simplifies the payment process steps.

Fig. 2 is a flowchart of another payment method provided by the embodiment of the present application. Optionally, before sending the payment information and the payment amount to the server, it also includes: performing voiceprint recognition verification on the acquired voice data; corresponding , sending the payment information and the payment amount to the server includes: if the voiceprint recognition verification is successful, sending the payment information and the payment amount to the server. As shown in Figure 2, the technical solution provided by this embodiment may include:

Step S201, when the payment information is collected through the camera, play the voice payment prompt information through the bone conduction speaker or earphone.

Step S202, acquiring the voice data collected by the microphone, and performing voiceprint recognition verification on the acquired voice data.

It should be noted that, in order to ensure safe payment, in the process of using wearable devices to realize smart payment, verification operations can be set at any link.

In one embodiment, the user's standard voice is pre-stored in the wearable device. After the user's voice data is obtained, it can be compared with the voiceprint of the standard voice, for example, to perform similarity calculations to confirm whether the user is currently the user. Effectively prevent payment operations performed by non-users themselves, and avoid property losses of users. If the voiceprint recognition verification is passed and it is confirmed that it is the user himself, then execute step S204 and continue the current payment operation; Payment amount.

Step S203, ending the current payment operation.

When the current payment operation is ended, a notification message of the end of payment can also be sent to the user through a bone conduction speaker or earphone.

Step S204: Recognize the acquired voice data to obtain the payment amount.

After the voiceprint recognition verification is passed, the user's voice data can be recognized and the payment amount can be extracted from it. It should be noted that there is no definite execution logic limitation for step S202 and step S204 in this embodiment, that is, step S202 can be executed first for voiceprint recognition verification, and then step S204 can be executed to obtain the payment amount; or step S204 can be executed first to obtain payment Amount, and then perform step S202 to perform voiceprint recognition verification; it may also be performed simultaneously with voiceprint recognition verification and withdrawal of payment amount. In this solution as an example, step S202 is executed first, and then step S204 is executed, but this should not be limited to this embodiment.

Step S205, sending the payment information and payment amount to the server, so that the server can make payment according to the payment information and payment amount.

If the payment amount is identified after the voiceprint recognition verification is passed, the payment information and payment amount can be sent directly to the server; The information and payment amount are sent to the server; if voiceprint recognition verification and withdrawal of payment amount are performed at the same time, the payment information and payment amount need to be sent to the server after the verification result is confirmed.

It can be seen from the above that before sending the payment information and payment amount to the server in this solution, the voiceprint recognition verification is performed on the acquired voice data to confirm the user's identity. If the voiceprint recognition verification is successful, the payment information and payment amount are sent to The server ensures that the current payment operation is performed under the user's own voice control, which ensures the safety of the user's property and payment security.

Figure 3 is a flow chart of another payment method provided by the embodiment of the present application. Optionally, the voice payment prompt information includes a randomly generated verification code. Correspondingly, before sending the payment information and payment amount to the server, it also includes : Determine whether the voice data includes the character content consistent with the verification code; correspondingly, sending the payment information and the payment amount to the server includes: if there is a consistent character content, sending the payment information and the payment amount to the server. Optionally, before the payment information is collected through the camera, it also includes: performing voiceprint recognition verification on the detected voice data, and if the verification is passed, the camera is turned on for image collection, the camera is integrated on the wearable device, and the wearable device Including smart glasses. As shown in Figure 3, the technical solution provided by this embodiment may include:

Step S301, performing voiceprint recognition and verification on the detected voice data.

In one embodiment, before the wearable device collects the payment information through the camera, voiceprint recognition verification is set, and the currently detected voice data needs to be compared with the pre-stored user standard voice, and if the similarity between the two meets the threshold If it is required, then the voiceprint recognition verification is passed, continue to execute step S302, turn on the camera for image acquisition, otherwise execute step S303, end the current payment operation.

Performing voiceprint recognition verification before collecting payment information can ensure that mobile payment can only be made when the user wears a wearable device, which also plays a role in ensuring payment security.

Step S302, turn on the camera to collect images, and when the payment information is collected by the camera, play the voice payment prompt information through the bone conduction speaker or earphone, wherein the voice payment prompt information includes a randomly generated verification code.

Wherein, the camera is integrated on the wearable device, and the wearable device includes smart glasses.

In one embodiment, the consistency verification based on randomly generated verification codes is used to: on the one hand, indicate that the current payment is not a malicious payment operation, such as an invalid payment operation for non-authentic payment purposes; on the other hand, it can be used to verify the user's success After receiving the voice payment prompt information, avoid payment abnormalities caused by the functional failure of the wearable device. For example, if the voice payment prompt information cannot be played to the user, the payment amount cannot be obtained, resulting in abnormal payment. The content of the verification code may at least include any one of characters, numbers, English letters and symbols, and the character length of the verification code may also be set according to user requirements.

Step S303, ending the current payment operation.

Step S304 , acquiring voice data collected by the microphone, and determining whether the collected voice data includes character content consistent with the verification code.

If the voice data includes characters consistent with the verification code, execute step S305 to extract the payment amount; if not, return to step S303 to end the current payment operation. Exemplarily, the content of the verification code in the voice payment prompt message played by the wearable device to the user is asd123. When the user replies, the voice data also needs to include asd123 completely, indicating that the current payment is the payment operation required by the user and the user has successfully received it. When the payment prompt is reached, the verification operation based on the verification code can pass, and then the payment amount in the user's voice can be recognized and extracted.

In addition, if the user does not respond within a preset period of time, such as 30 seconds, after receiving the voice payment prompt message, the wearable device can also choose to end the current payment operation or turn off the voice payment function to save its system power consumption.

Step S305: Recognize the acquired voice data to obtain the payment amount.

It should be noted that step S304 and step S305 in this embodiment have no definite execution logic limitation, that is, step S304 can be executed first, and then step S305 can be executed; step S305 can also be executed first, and then step S305 can be executed; it can also be based on The consistency verification of the verification code is performed simultaneously with the withdrawal of the payment amount. In this solution as an example, step S304 is performed first, and then step S305 is performed, but this embodiment should not be limited.

Step S306, sending the payment information and payment amount to the server, so that the server can make payment according to the payment information and payment amount.

For any execution sequence of verification code-based consistency verification and withdrawal of payment amount, only when the voice data replied by the user after receiving the voice payment prompt information contains characters consistent with the verification code, the wearable device will send the payment information and payment The amount is sent to the server.

It can be seen from the above that in this solution, before the payment information is collected by the camera, the voiceprint recognition verification is performed on the detected voice data. If the verification is passed, the camera is turned on to collect the image and obtain the payment information, ensuring that only when the user wears the In the case of wearable devices, intelligent mobile payment is carried out to ensure payment security; at the same time, when the payment information is collected, the voice payment prompt information played to the user includes a randomly generated verification code, and when the user replies the voice data The wearable device can send the payment information and payment amount to the server only when the character content consistent with the verification code is included, which ensures the validity of mobile payment and avoids frequent malicious payment operations, such as invalid payment operations for non-real payment purposes etc., can also avoid payment abnormalities caused by functional failures of wearable devices; when the voice data replied by the user does not include the character content consistent with the verification code or the user does not reply, the wearable device ends the current payment operation in time or Turning off the voice payment function can also save its system power consumption.

Fig. 4 is a flow chart of another payment method provided by the embodiment of the present application. Optionally, before the payment information is collected through the camera, it also includes: acquiring the sensory data collected by the sensor, if the sensory data meets the preset conditions , the camera is turned on to collect images, wherein the sensor is integrated on the wearable device, and the sensor includes at least one of an acceleration sensor, a gyroscope sensor and a pressure sensor. Optionally, after the payment information is collected by the camera, it also includes: identifying the payment information, generating and displaying the payment interface according to the identification result, wherein the payment interface is displayed in the display component integrated in the wearable device, and the wearable device includes smart glasses. As shown in Figure 4, the technical solution provided by this embodiment may include:

Step S401 , acquiring sensing data collected by a sensor, and judging whether the acquired sensing data satisfies a preset condition.

Wherein, the sensor is integrated on the wearable device, and the sensor includes at least one of an acceleration sensor, a gyroscope sensor and a pressure sensor. The preset condition is used to judge the matching degree between the sensing data currently acquired by the wearable device and the pre-stored standard sensing data. When the wearable device responds to the user's operation by shaking, touching or pressing the wearable device, it acquires sensing data, and based on the matching algorithm, calculates the matching degree between the currently acquired sensing data and the pre-stored standard sensing data . If the matching degree is within the preset range, that is, the currently acquired sensing data satisfies the preset condition, then execute step S403 to turn on the camera for image acquisition, otherwise execute step S402 to end the current payment operation.

Specifically, the standard sensing data includes the angle and direction of the shaking operation, the touch position, strength and frequency of the touch operation, and the strength and duration of the pressing operation. When the user performs any of operations such as shaking, touching, and pressing, the wearable device first determines the type of user operation based on the data type in the currently acquired sensing data, and then calculates the standard sensing data under the corresponding operation type The degree of matching with the currently acquired sensor data. The matching degree can be determined according to the error value between the currently acquired sensing data and the standard sensing data, the smaller the error value is, the higher the matching degree is. By judging whether the acquired sensing data meets the preset conditions and determining whether to turn on the camera for image acquisition, it is possible to prevent user misoperation from triggering the voice payment function of the wearable device, and at the same time save system power consumption of the wearable device.

Step S402, ending the current payment operation.

Step S403, turn on the camera to collect images, and when the payment information is collected by the camera, play the voice payment prompt information through the bone conduction speaker or earphone.

Step S404, identifying the collected payment information, generating and displaying a payment interface according to the identification result.

In one embodiment, the payment interface is displayed in a display component integrated with the wearable device, and the wearable device includes smart glasses. The identification of payment information is used to determine whether the current payment operation is a valid payment operation. If the recognition determines that the current payment operation is a valid payment operation that meets the user's payment needs, then generate a payment interface based on the payment information and display it; if the recognition determines that the current payment operation is not a valid payment operation, end the current payment operation or turn off the voice payment function .

Wherein, the identification of the payment information can be realized specifically by judging the authenticity of the payment information, or by judging the commodity information associated with the payment information. Exemplarily, after the user receives the voice payment prompt information, if it is recognized that the payment account number in the payment information is inconsistent with the payee's name, that is, the credibility of the payment information is low, and the current payment operation is not a valid payment operation; if It is recognized that the payment information is only the payment information corresponding to a certain commodity, not the comprehensive payment information of the merchant, which does not meet the user's payment needs, and the current payment operation is not a valid payment operation. At the same time, the validity of the current payment operation can also be judged based on the time the wearable device stays on the image corresponding to the payment information. If the corresponding image stays for a very short time, it can be determined that the user has no payment intention, and the current payment operation is not a valid payment operation, but if the wearable device stays on the image corresponding to the payment information for a long time, it is determined that the user has payment intention , the current payment operation is a valid payment operation.

In addition, the display of the payment interface can facilitate the user to view the payment information clearly and clearly, and further confirm the current payment operation. Exemplarily, if the collected payment information is the payee's bank card account, the payment interface can at least display the bank card account information; After image recognition and conversion, at least the account information corresponding to the QR code or barcode is displayed on the payment interface for users to view.

Step S405, acquiring the voice data collected by the microphone, and recognizing the voice data to obtain the payment amount.

After the user receives the voice payment prompt information and sees the payment interface, he makes a voice reply about the payment amount, and the wearable device recognizes the acquired voice data and extracts the payment amount.

Step S406, sending the payment information and payment amount to the server, so that the server can make payment according to the payment information and payment amount.

Continuing with the above example as an example, after obtaining the payment amount, the payment information and the payment amount can be displayed on the payment interface, and after the user confirms, send it to the server to complete the automatic payment.

It can be seen from the above that in this solution, before the payment information is collected by the camera, the sensing data collected by the sensor is obtained. If the sensing data meets the preset conditions, the camera is turned on to collect the image and obtain the payment information, which avoids misuse by the user. The voice payment function of the wearable device is triggered, and the system power consumption of the wearable device is saved at the same time; after the payment information is collected and the voice payment prompt information is issued, the payment information can be identified to determine whether the current payment operation is to satisfy the user's payment requirements. The effective payment operation required; the payment interface is generated and displayed according to the recognition result, which can facilitate the user to view the relevant information of the current transaction and further ensure the payment security.

Fig. 5 is a structural block diagram of a payment device provided by an embodiment of the present application. The device is used to execute the payment method provided by the above embodiment, and has corresponding functional modules and beneficial effects for executing the method. As shown in Figure 5, the device specifically includes: a prompt module 101, an identification module 102 and a sending module 103, wherein,

Prompt module 101, used for playing voice payment prompt information through bone conduction speakers or earphones when payment information is collected through the camera;

The identification module 102 is used to obtain the voice data collected by the microphone, and identify the acquired voice data to obtain the payment amount;

The sending module 103 is configured to send the payment information and the payment amount to the server, so that the server can make payment according to the payment information and the payment amount.

On the basis of the above embodiments, the device further includes: a voice verification module 104, which performs voiceprint recognition and verification on the acquired voice data.

Correspondingly, the sending module 103 is specifically configured to: if the voiceprint recognition verification is successful, send the payment information and the payment amount to the server.

In a possible embodiment, the payment information includes at least one of bank card account, two-dimensional code or barcode, and correspondingly, the sending module 103 is specifically used for:

The payment information and the payment amount are sent to the corresponding server through the interface of the bank application program or the third-party application program.

In a possible embodiment, the voice payment prompt information includes a randomly generated verification code, and correspondingly, the device further includes:

Verification code determining module 105, is used for determining whether to comprise the character content consistent with verification code in the speech data that obtains;

Correspondingly, the sending module 103 is specifically used for:

If there is consistent character content, the payment information and payment amount are sent to the server.

In a possible embodiment, the device further includes: a first collection and verification module 106, configured to perform voiceprint recognition and verification on the detected voice data, and if the verification is passed, turn on the camera for image collection, wherein the camera is integrated in On wearable devices, wearable devices include smart glasses.

In a possible embodiment, the device further includes: a second acquisition and verification module 107, configured to acquire sensory data collected by the sensor, and if the sensory data meets preset conditions, the camera is turned on for image acquisition, wherein the sensor integrates On the wearable device, the sensor includes at least one of an acceleration sensor, a gyroscope sensor and a pressure sensor.

In a possible embodiment, the device further includes: a display module 108, configured to identify the payment information collected by the camera, generate and display a payment interface according to the identification result, wherein the payment interface is displayed on a display component integrated in the wearable device In , wearable devices include smart glasses.

In a possible embodiment, the identification module 102 is further configured to: identify the content of the payment information, and if it is recognized that the payment information contains a prepaid amount, generate a voice prompt containing the prepaid amount information; the verification code determination module 105 is also used to: verify whether the prepayment amount and the payment amount are consistent, and if the verification is successful, the sending module 103 is used to send the payment information and the payment amount to the server.

This embodiment provides a wearable device on the basis of the above-mentioned embodiments. FIG. 6 is a schematic structural diagram of a wearable device provided by an embodiment of this application. FIG. 7 is a wearable device provided by an embodiment of this application. Schematic physical drawing of the equipment. As shown in Figures 6 and 7, the wearable device includes: a memory 201, a processor (Central Processing Unit, CPU) 202, a display component 203, a touch panel 204, a heart rate detection module 205, a distance sensor 206, a camera 207, a bone Conductive speaker 208 , microphone 209 , breathing light 210 , these components communicate via one or more communication buses or signal lines 211 .

It should be understood that the illustrated wearable device is only one example of a wearable device, and that a wearable device may have more or fewer components than shown, and two or more components may be combined , or can have different component configurations. The various components shown in the figures may be implemented in hardware, software, or a combination of hardware and software including one or more signal processing and/or application specific integrated circuits.

The following describes in detail the wearable device used for payment provided in this embodiment, and the wearable device takes smart glasses as an example.

Memory 201, the memory 201 can be accessed by the CPU 202, the memory 201 can include a high-speed random access memory, and can also include a non-volatile memory, such as one or more disk storage devices, flash memory devices, or other volatile memory solid-state storage devices.

The display part 203 can be used to display image data and the operating interface of the operating system. The display part 203 is embedded in the frame of the smart glasses, and an internal transmission line 211 is arranged inside the frame, and the internal transmission line 211 is connected to the display part 203 .

A touch panel 204 , the touch panel 204 is arranged on the outside of at least one temple of the smart glasses, and is used for acquiring touch data. The touch panel 204 is connected to the CPU 202 through an internal transmission line 211 . Among them, the touch panel 204 can detect the user's finger sliding and clicking operations, and correspondingly transmit the detected data to the processor 202 for processing to generate corresponding control instructions. , move up command, move down command, etc. Exemplarily, the display unit 203 can display the virtual image data transmitted by the processor 202, and the virtual image data can be changed correspondingly according to the user operation detected by the touch panel After the left-shift instruction or the right-shift instruction, correspondingly switch the previous or next virtual image screen; when the display unit 203 displays video playback information, the left-shift instruction can be to play back the playback content, and the right-shift instruction can be to play Fast-forwarding of content; when the display part 203 shows editable text content, the left-moving instruction, right-moving instruction, up-moving instruction, and down-moving instruction can be the displacement operation of the cursor, that is, the position of the cursor can be adjusted according to the user's The touch operation of the touch pad moves; when the content displayed by the display part 203 is a game animation picture, the left-moving instruction, right-moving instruction, up-moving instruction and down-moving instruction can be to control the object in the game, such as an airplane In the game, the flight direction of the aircraft can be controlled respectively through the left-moving command, right-moving command, up-moving command, and down-moving command; The up-moving instruction and the down-moving instruction can switch between different channels, wherein the up-moving instruction and the down-moving instruction can switch to a preset channel (such as the frequently used channel used by the user); when the display part 203 displays a static picture, the left Move command, move right command, move up command, and move down command can switch between different pictures. Among them, the left move command can switch to the previous picture, and the right move command can switch to the next picture. The move command can be to switch to the previous atlas, and the down command can be to switch to the next atlas. The touch panel 204 can also be used to control the display switch of the display part 203. Exemplarily, when the touch area of the touch panel 204 is pressed for a long time, the display part 203 is powered on to display the image interface, and when the touch area of the touch panel 204 is long pressed again, The display unit 203 is powered off, and when the display unit 203 is powered on, the brightness or resolution of the image displayed on the display unit 203 can be adjusted by sliding up and down on the touch panel 204 .

The heart rate detection module 205 is used to measure the user's heart rate data. The heart rate refers to the number of heartbeats per minute. The heart rate detection module 205 is arranged inside the temple. Specifically, the heart rate detection module 205 can use dry electrodes to obtain human body ECG data through electric pulse measurement, and determine the heart rate according to the peak amplitude in the ECG data; The photoelectric method is composed of light emission and light receiver for heart rate measurement. Correspondingly, the heart rate detection module 205 is arranged at the bottom of the temple, at the earlobe of the auricle of the human body. After the heart rate detection module 205 collects the heart rate data, it can be sent to the processor 202 for data processing to obtain the wearer's current heart rate value. In one embodiment, after the processor 202 determines the user's heart rate value, it can The heart rate value is displayed in the display part 203 in real time, and the optional processor 202 can trigger an alarm accordingly when it is determined that the heart rate value is lower (such as less than 50) or higher (such as greater than 100), and the heart rate value And/or the generated alarm information is sent to the server through the communication module.

The distance sensor 206 can be arranged on the mirror frame, and the distance sensor 206 is used to sense the distance from the face to the mirror frame, and the distance sensor 206 can be realized by infrared sensing principle. Specifically, the distance sensor 206 sends the collected distance data to the processor 202, and the processor 202 controls the brightness of the display part 203 according to the distance data. Exemplarily, when it is determined that the distance collected by the distance sensor 206 is less than 5 centimeters, the corresponding control display part 203 of the processor 202 is in a lighted state, and when it is determined that the distance sensor detects that an object is approaching, the corresponding control display Component 204 is in a closed state.

In addition, other types of sensors can also be set on the frame of the smart glasses, including at least one of the following: an acceleration sensor, a gyroscope sensor and a pressure sensor, which are used to detect the operation of the user shaking, touching or pressing the smart glasses, and send the sensor The data is sent to the CPU 202 to determine whether to turn on the camera 207 for image acquisition. It should be understood that this is not a limitation to this embodiment.

The breathing light 210 can be arranged on the edge of the mirror frame, and when the display part 203 turns off the display screen, the breathing light 210 can be turned on according to the control of the processor 202 to show a gradual brightening and darkening effect.

The camera 207 may be a front camera module which is arranged on the upper frame of the mirror frame to collect image data in front of the user, a rear camera module which collects eyeball information of the user, or a combination of the two. Specifically, when the camera 207 collects the front image, it sends the collected image to the processor 202 for recognition and processing, and triggers a corresponding trigger event according to the recognition result. Exemplarily, when the user wears the wearable device at home, by identifying the collected front image, if a furniture item is identified, then correspondingly query whether there is a corresponding control event, and if so, correspondingly send the control event The corresponding control interface is displayed in the display part 203, and the user can control the corresponding furniture item through the touch panel 204, wherein the furniture item and smart glasses are connected to the network through Bluetooth or wireless ad hoc network; when the user wears the wearable outdoor When the device is installed, the target recognition mode can be turned on accordingly, and the target recognition mode can be used to identify a specific person, and the camera 207 sends the collected image to the processor 202 for face recognition processing. If the preset preset face is recognized, Correspondingly, the speaker integrated in the smart glasses can be used for sound broadcasting, and the target recognition mode can also be used to identify different plants. The module is sent to the server for identification, and the server identifies the plants in the collected images and feeds back the relevant plant names, introduces them to the smart glasses, and displays the feedback data on the display unit 203 . The camera 207 can also be used to collect images of the user's eyes, such as eyeballs, and generate different control commands by recognizing the rotation of the eyeballs. For example, turning the eyeballs upward generates an upward movement control instruction, and rotating the eyeball downwards generates a downward movement Control instructions, turning the eyeballs to the left generates a left-moving control instruction, and turning the eyeballs to the right generates a right-moving control instruction, wherein if it is qualified, the display part 203 can display the virtual image data transmitted by the processor 202, and the virtual image data can be correspondingly based on The camera 207 detects that the user's eyeball movement changes to generate a control instruction, specifically, it can be a screen switch, and when a left-moving control command or a right-moving control command is detected, the previous or next virtual image screen is switched accordingly ; When the display part 203 displays the video playback information, the left shift control instruction can be the playback of the playback content, and the right shift control instruction can be the fast forward of the playback content; when the display part 203 shows the editable text content , the left-moving control command, right-moving control command, up-moving control command, and down-moving control command can be a displacement operation on the cursor, that is, the position of the cursor can be moved according to the user's touch operation on the touch panel; when the display unit 203 When the displayed content is a game animation screen, the left-move control command, right-move control command, up-move control command, and down-move control command can control objects in the game. For example, in an airplane game, the left-move control command can instruction, right-moving control instruction, upward-moving control instruction, and downward-moving control instruction control the flight direction of the aircraft respectively; Instructions and down-moving control commands can switch between different channels, wherein the up-moving control commands and down-moving control commands can be switched to preset channels (such as the frequently used channels used by users); The left-moving control command, right-moving control command, up-moving control command, and down-moving control command can switch between different pictures, wherein the left-moving control command can be to switch to the previous picture, and the right-moving control command can be to switch To the next picture, the control command for moving up may be to switch to the previous atlas, and the control command for moving down may be to switch to the next atlas.

The bone conduction speaker 208 is disposed on the inner wall side of at least one temple, and is used for converting the received audio signal sent by the processor 202 into a vibration signal. Among them, the bone conduction speaker 208 transmits the sound to the inner ear of the human body through the skull, converts the electrical signal of the audio frequency into a vibration signal and transmits it to the cochlea of the skull, and then is perceived by the auditory nerve. Using the bone conduction speaker 208 as a sounding device reduces the thickness of the hardware structure, and is lighter in weight. At the same time, there is no electromagnetic radiation and will not be affected by electromagnetic radiation, and it has the advantages of anti-noise, waterproof and liberating both ears.

The microphone 209 can be arranged on the lower frame of the mirror frame, and is used to collect external (user, environment) sound and transmit it to the processor 202 for processing. Exemplarily, the microphone 209 collects the voice uttered by the user and performs voiceprint recognition through the processor 202. If the voiceprint of the authenticated user is recognized, the corresponding subsequent voice control can be received. Specifically, the user can make a voice, The microphone 209 sends the collected voice to the processor 202 for recognition so as to generate corresponding control instructions according to the recognition result, such as "power on", "shut down", "increase display brightness", "decrease display brightness", and the processor 202 follows up according to The generated control command executes the corresponding control process.

The payment device for the wearable device and the wearable device provided in the above embodiments can execute the payment method for the wearable device provided in any embodiment of the present invention, and have corresponding functional modules and beneficial effects for executing the method. For technical details not exhaustively described in the above embodiments, please refer to the payment method for a wearable device provided in any embodiment of the present invention.

The embodiment of the present application also provides a storage medium containing executable instructions of a wearable device, and the executable instructions of the wearable device are used to execute a payment method when executed by a processor of the wearable device. The method includes:

When the payment information is collected through the camera, the voice payment prompt information is played through the bone conduction speaker or earphone;

Obtain the voice data collected by the microphone, and recognize the voice data to obtain the payment amount;

Send the payment information and payment amount to the server, so that the server can make payment according to the payment information and payment amount.

In a possible embodiment, before sending the payment information and the payment amount to the server, it further includes:

Perform voiceprint recognition verification on voice data;

Correspondingly, sending the payment information and the payment amount to the server includes:

If the voiceprint recognition verification is successful, the payment information and payment amount are sent to the server.

In a possible embodiment, the payment information includes at least one of bank card account, two-dimensional code or barcode, and sending the payment information and payment amount to the server includes:

The payment information and the payment amount are sent to the corresponding server through the interface of the bank application program or the third-party application program.

In a possible embodiment, the voice payment prompt information includes a randomly generated verification code, and correspondingly, before sending the payment information and payment amount to the server, it also includes:

Determine whether the voice data contains the same character content as the verification code;

Correspondingly, sending the payment information and the payment amount to the server includes:

If there is consistent character content, the payment information and payment amount are sent to the server.

In a possible embodiment, before the payment information is collected through the camera, it also includes:

The voiceprint recognition verification is performed on the detected sound data, and if the verification is passed, the camera is turned on for image collection, wherein the camera is integrated on the wearable device, and the wearable device includes smart glasses.

In a possible embodiment, before the payment information is collected through the camera, it also includes:

Acquire the sensing data collected by the sensor, if the sensing data meets the preset conditions, turn on the camera for image acquisition, the sensor is integrated on the wearable device, and the sensor includes at least one of an acceleration sensor, a gyroscope sensor and a pressure sensor.

In a possible embodiment, after the payment information is collected through the camera, it also includes:

The payment information is recognized, and a payment interface is generated and displayed according to the recognition result, wherein the payment interface is displayed in a display component integrated with the wearable device, and the wearable device includes smart glasses.

In a possible embodiment, after the payment information is collected through the camera, it also includes:

Recognizing the content of the payment information, if it is recognized that the payment information includes the prepayment amount, generating voice prompt information including the prepayment amount;

Correspondingly, the sending the payment information and the payment amount to the server includes:

If the prepayment amount is consistent with the payment amount, the payment information and the payment amount are sent to the server.

storage medium - any of various types of memory devices or storage devices. The term "storage medium" is intended to include: installation media such as CD-ROMs, floppy disks or tape drives; computer system memory or random access memory such as DRAM, DDR RAM, SRAM, EDO RAM, Rambus RAM, etc. ; non-volatile memory, such as flash memory, magnetic media (eg hard disk or optical storage); registers or other similar types of memory elements, etc. The storage medium may also include other types of memory or combinations thereof. Also, the storage medium may be located in a first computer system in which the program is executed, or may be located in a different second computer system connected to the first computer system through a network such as the Internet. The second computer system may provide program instructions to the first computer for execution. The term "storage medium" may include two or more storage media that may reside in different locations, such as in different computer systems connected by a network. The storage medium may store program instructions (eg embodied as computer programs) executable by one or more processors.

Of course, the storage medium containing computer-executable instructions provided in the embodiments of the present application is not limited to the operation of the payment method as described above, and can also perform the payment method provided in any embodiment of the present invention. related operations.

Note that the above are only preferred embodiments of the present invention and applied technical principles. Those skilled in the art will understand that the present invention is not limited to the specific embodiments described herein, and that various obvious changes, readjustments and substitutions can be made by those skilled in the art without departing from the protection scope of the present invention. Therefore, although the present invention has been described in detail through the above embodiments, the present invention is not limited to the above embodiments, and can also include more other equivalent embodiments without departing from the concept of the present invention, and the present invention The scope is determined by the scope of the appended claims.

Claims (10)

1. Payment methods, characterized in that they include: When the payment information is collected through the camera, the voice payment prompt information is played through the bone conduction speaker or earphone; Obtain the voice data collected by the microphone, and identify the voice data to obtain the payment amount; Sending the payment information and the payment amount to the server, for the server to make payment according to the payment information and the payment amount. 2. The method according to claim 1, further comprising: before sending the payment information and the payment amount to the server: Perform voiceprint recognition verification on the voice data; Correspondingly, the sending the payment information and the payment amount to the server includes: If the voiceprint recognition verification is successful, the payment information and the payment amount are sent to the server. 3. The method according to claim 2, wherein the payment information includes at least one of a bank card account, a two-dimensional code or a bar code, and the sending of the payment information and the payment amount to the server include: The payment information and the payment amount are sent to a corresponding server through an interface of a bank application program or a third-party application program. 4. The method according to claim 1, wherein the voice payment prompt information includes a randomly generated verification code, and correspondingly, before sending the payment information and the payment amount to the server, further include: Determine whether the voice data includes character content consistent with the verification code; Correspondingly, the sending the payment information and the payment amount to the server includes: If there is consistent character content, the payment information and the payment amount are sent to the server. 5. The method according to claim 4, further comprising: before the payment information is collected by the camera: Voiceprint recognition verification is performed on the detected sound data, and if the verification is passed, the camera is turned on for image collection, the camera is integrated on the wearable device, and the wearable device includes smart glasses. 6. The method according to any one of claims 1-4, characterized in that, before the payment information is collected through the camera, further comprising: Acquire the sensing data collected by the sensor. If the sensing data meets the preset conditions, turn on the camera for image acquisition. The sensor is integrated on the wearable device, and the sensor includes an acceleration sensor, a gyroscope sensor and a pressure sensor at least one of . 7. The method according to claim 1, further comprising: after the payment information is collected by the camera: Recognizing the content of the payment information, if it is recognized that the payment information includes the prepayment amount, generating voice prompt information including the prepayment amount; Correspondingly, the sending the payment information and the payment amount to the server includes: If the prepayment amount is consistent with the payment amount, the payment information and the payment amount are sent to the server. 8. The payment device, characterized in that it includes: The prompt module is used to play the voice payment prompt information through the bone conduction speaker or earphone when the payment information is collected by the camera; The identification module is used to obtain the voice data collected by the microphone, and identify the voice data to obtain the payment amount; A sending module, configured to send the payment information and the payment amount to a server, for the server to make payment according to the payment information and the payment amount. 9. A wearable device, comprising: a processor, a memory, and a computer program stored on the memory and operable on the processor, characterized in that, when the processor executes the computer program, the computer program according to claim 1- The payment method described in any one of 7. 10. A storage medium containing executable instructions for a wearable device, wherein the executable instructions for the wearable device are used to execute the instruction set forth in any one of claims 1-7 when executed by a wearable device processor. the payment method described above.