CN111429124A - Transfer method, device, storage medium and terminal based on face recognition - Google Patents
Transfer method, device, storage medium and terminal based on face recognition Download PDFInfo
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- CN111429124A CN111429124A CN201910022605.3A CN201910022605A CN111429124A CN 111429124 A CN111429124 A CN 111429124A CN 201910022605 A CN201910022605 A CN 201910022605A CN 111429124 A CN111429124 A CN 111429124A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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Abstract
The invention relates to a transfer method, a transfer device, a storage medium and a terminal based on face recognition. The method comprises the following steps: determining a face image of a transfer target object appointed by a user, wherein the face feature information contained in the face image corresponds to the payment account number of the transfer target object one by one; identifying the face image to determine face characteristic information contained in the face image, and inquiring a payment account number of the transfer target object corresponding to the face characteristic information; and transferring accounts to the payment account number of the transfer target object according to the received transfer instruction. The technical scheme of the invention can further improve the transfer efficiency on the premise of considering the transfer safety.
Description
Technical Field
The invention relates to the technical field of artificial intelligence, in particular to a transfer method, a transfer device, a storage medium and a transfer terminal based on face recognition.
Background
With the development of science and technology and the continuous updating of payment modes, the cashless payment has the advantages of convenience and quickness, so that the application of the cashless payment in the daily life of people is more and more extensive. Cashless transfer through a terminal device has become one of the mainstream cashless payment methods.
The existing cashless transfer mode is generally that the payment account number of a transfer target object is determined by manually inputting the account number of the transfer target object or scanning a two-dimensional code and the like, and then the transfer operation is carried out by inputting the transfer amount. The aforementioned transfer methods, although widely used, still have considerable drawbacks. For example, for an illiterate group or an elderly group, it is a difficult matter to manually input the account number of the transfer target object. In addition, the two-dimensional code is easily stolen and exchanged, resulting in loss of the transfer amount. Moreover, after the account number for transferring accounts is input or the two-dimensional code is scanned, a system background needs to perform a series of associated authentication operations, and the transferring efficiency is low under the condition that transferring accounts need to be transferred to large batches of transferring target objects.
How to further improve the transfer efficiency on the premise of considering the transfer safety is a problem to be urgently solved in the field of cashless transfer at present.
Disclosure of Invention
The invention solves the technical problem of how to further improve the transfer efficiency on the premise of considering the transfer safety.
In order to solve the technical problem, an embodiment of the present invention provides a transfer method based on face recognition, including the following steps: determining a face image of a transfer target object appointed by a user, wherein the face feature information contained in the face image corresponds to the payment account number of the transfer target object one by one; identifying the face image to determine face characteristic information contained in the face image, and inquiring a payment account number of the transfer target object corresponding to the face characteristic information; and transferring accounts to the payment account number of the transfer target object according to the received transfer instruction.
Optionally, the transfer method based on face recognition further includes: and sending reminding information to the pre-bound user terminal.
Optionally, the reminding information includes one or more of the following items: and the transfer amount contained in the transfer instruction and the payment account number of the transfer target object.
Optionally, transferring the account number of the transfer target object according to the received transfer instruction includes: receiving a transfer instruction sent by the user; sending an authentication request to the user, and receiving authentication feedback information sent by the user aiming at the authentication request; and when the authentication of the authentication feedback information passes, transferring the account to the payment account of the transfer target object.
Optionally, the authentication type of the authentication request is selected from one or more of the following: password authentication, verification code authentication, name authentication, common friend authentication and identity information authentication.
Optionally, transferring the account number of the transfer target object according to the received transfer instruction includes: and automatically transferring the payment account number to the transfer target object from prestored account numbers.
Optionally, the pre-stored account numbers correspond to the face feature information of the user one to one.
Optionally, determining the face image of the transfer target object designated by the user includes: receiving a face image of the transfer target object uploaded by a user; or receiving a face image of the transfer target object selected by the user in the instant messaging tool.
In order to solve the above technical problem, an embodiment of the present invention further provides a transfer device based on face recognition, including: the system comprises a face image acquisition module, a payment account acquisition module and a payment account management module, wherein the face image acquisition module is suitable for determining a face image of a transfer target object appointed by a user, and the face characteristic information contained in the face image corresponds to the payment account of the transfer target object one to one; the recognition module is suitable for recognizing the face image to determine face characteristic information contained in the face image and inquiring a payment account number of the transfer target object corresponding to the face characteristic information; and the transfer module is suitable for transferring the account number of the transfer target object to the payment account number according to the received transfer instruction.
Optionally, the transfer device based on face recognition further includes: and the information sending module is suitable for sending reminding information to the pre-bound user terminal.
Optionally, the reminding information includes one or more of the following items: and the transfer amount contained in the transfer instruction and the payment account number of the transfer target object.
Optionally, the transfer module includes: the transfer instruction receiving submodule is suitable for receiving a transfer instruction sent by the user; the authentication sub-module is suitable for sending an authentication request to the user and receiving authentication feedback information sent by the user aiming at the authentication request; and the transfer execution sub-module transfers the money to the payment account of the transfer target object when the authentication of the authentication feedback information passes.
Optionally, the authentication type of the authentication request is selected from one or more of the following: password authentication, verification code authentication, name authentication, common friend authentication and identity information authentication.
Optionally, the transfer module includes: and the automatic transfer sub-module is suitable for automatically transferring the payment account number of the transfer target object from prestored account numbers.
Optionally, the pre-stored account numbers correspond to the face feature information of the user one to one.
Optionally, the face image obtaining module includes: the face image receiving submodule is suitable for receiving a face image of the transfer target object uploaded by a user; or the facial image selection sub-module is suitable for receiving the facial image of the transfer target object selected by the user in the instant messaging tool.
In order to solve the technical problem, an embodiment of the present invention further provides a storage medium, where computer instructions are stored, and the computer instructions execute the steps of the transfer method based on face recognition when running.
In order to solve the above technical problem, an embodiment of the present invention further provides a terminal, including a memory and a processor, where the memory stores a computer instruction capable of being executed on the processor, and the processor executes the steps of the transfer method based on face recognition when executing the computer instruction.
Compared with the prior art, the technical scheme of the embodiment of the invention has the following beneficial effects:
the transfer method comprises the steps that a face image of a transfer target object appointed by a user is determined, and face feature information contained in the face image corresponds to payment account numbers of the transfer target object one by one; next, identifying the face image to determine face feature information contained in the face image, and inquiring a payment account number of the transfer target object corresponding to the face feature information; and then transferring accounts to the payment account number of the transfer target object according to the received transfer instruction. Therefore, the payment account number of the transfer target object is accurately searched through the face characteristic information of the transfer target object, the time for manually inputting the transfer target account number is saved, the transfer operation is more convenient and safer, and the transfer efficiency is effectively improved.
Further, the transferring the account number of the transfer target object to the payment account number according to the received transfer instruction in the technical scheme of the invention comprises the following steps: receiving a transfer instruction sent by the user; sending an authentication request to the user, and receiving authentication feedback information sent by the user aiming at the authentication request; and when the authentication of the authentication feedback information passes, transferring the account to the payment account of the transfer target object. Therefore, after the face feature information passes the authentication, the safety of transfer of large amount of funds can be effectively ensured through further authentication, and the fund safety is effectively ensured.
Further, the determining of the face image of the transfer target object specified by the user in the technical scheme of the invention comprises: receiving a face image of the transfer target object uploaded by a user; or receiving a face image of the transfer target object selected by the user in the instant messaging tool. Therefore, the requirements of different transfer occasions and different people can be met through diversified face image uploading modes, transfer operation is more humanized, and universality of the transfer method is improved.
Drawings
FIG. 1 is a flow chart of a method for transferring money based on face recognition according to an embodiment of the present invention;
FIG. 2 is a flowchart of one embodiment of step S13 of FIG. 1;
FIG. 3 is a schematic structural diagram of a transfer device based on face recognition according to an embodiment of the present invention;
fig. 4 is a schematic structural diagram of another transfer device based on face recognition according to an embodiment of the invention.
Detailed Description
As will be understood by those skilled in the art, the existing cashless transfer mode is generally that the payment account number of a transfer target object is determined by manually inputting the account number of the transfer target object or scanning a two-dimensional code and the like, and then the transfer operation is carried out by inputting the transfer amount. The aforementioned transfer method has disadvantages of low security and transfer efficiency and is not suitable for being widely used in all people.
The transfer method comprises the steps that a face image of a transfer target object appointed by a user is determined, and face feature information contained in the face image corresponds to payment account numbers of the transfer target object one by one; next, identifying the face image to determine face feature information contained in the face image, and inquiring a payment account number of the transfer target object corresponding to the face feature information; and then transferring accounts to the payment account number of the transfer target object according to the received transfer instruction. Therefore, the payment account number of the transfer target object is accurately searched through the face characteristic information of the transfer target object, the time for manually inputting the transfer target account number is saved, the transfer operation is more convenient and safer, and the transfer efficiency is effectively improved.
In order to make the aforementioned objects, features and advantages of the present invention comprehensible, embodiments accompanied with figures are described in detail below. It is to be understood that the described embodiments are merely exemplary of the invention, and not restrictive of the full scope of the invention. All other embodiments, which can be obtained by a person skilled in the art without any inventive step based on the embodiments of the present invention, belong to the scope of the present invention.
FIG. 1 is a flow chart of a transfer method based on face recognition according to an embodiment of the invention.
Referring to fig. 1, the transfer method may include the steps of:
step S11: determining a face image of a transfer target object appointed by a user, wherein the face feature information contained in the face image corresponds to the payment account number of the transfer target object one by one;
step S12: identifying the face image to determine face characteristic information contained in the face image, and inquiring a payment account number of the transfer target object corresponding to the face characteristic information;
step S13: and transferring accounts to the payment account number of the transfer target object according to the received transfer instruction.
In this embodiment, the establishment of the corresponding relationship between the facial feature information and the payment account may be completed when the user registers. For example, when the payment account is a bank account, the face characteristics of the user can be associated with the payment account by scanning the face information of the user when the user opens a bank card; or, when the payment account is a member account of a store, the facial features of the user may be associated with the payment account by scanning the facial information of the user when the user registers for a member, where the store may be a restaurant, a mall, a gymnasium, and the like, and the embodiment of the present invention is not limited thereto.
It is understood that the facial image corresponding to the payment account number is not invariant. Along with the increase of the age or the change of the posture of the user, if the user thinks that the face image retained previously is different from the face image retained currently, the user can go to a bank or a store to re-input the face image according to the identity certificate of the user, and the new face image corresponds to the payment account number so as to ensure the safety in payment or transfer.
As a non-limiting example, the same payment account may also be associated with multiple facial images, and each of the multiple facial images may also be said to correspond to the payment account. For example, the facial images of three users all correspond to the same member payment account number of a restaurant, and when payment is performed, the three users can perform payment of a consumption bill by performing facial feature recognition (namely face brushing) in the restaurant. In addition, when other account numbers transfer accounts to the member payment account number, the member payment account number can be inquired as long as any one of the three facial images is uploaded.
In the case of embodying step S11, determining the face image of the transfer target object designated by the user may include: receiving a face image of the transfer target object uploaded by a user; or receiving a face image of the transfer target object selected by the user in the instant messaging tool.
In specific implementation, the terminal can be directly used for shooting face photos of the transfer target object face to face; or, the face photo of the transfer target object can be selected from the prestored photos; alternatively, a face image may be specified from a video having the transfer target object; or intercepting the face image of the transfer target object from the intelligent camera equipment.
And for the user with the real head portrait in the chat window of the instant messaging tool, directly clicking the head portrait in the chat window to acquire the face image of the transfer target object.
Specifically, the terminal may be a mobile phone, an ipad, or an intelligent camera, as long as a face photograph of the transfer target object can be clearly photographed, and the specific form of the terminal is not limited in the embodiment of the present invention.
Next, step S12 may be performed, and the facial image may be uploaded to a server, and the server may recognize the facial image to determine the facial feature information contained therein.
In this embodiment, the terminal may upload the face image to a server in a wired or wireless manner. Wherein the server may be affiliated with an intermediary party of the transfer amount flow, such as: a bank or a store, or a third-party service platform entrusted by a transfer amount transfer intermediary.
Specifically, the face feature information may include, for example, feature information representing face contour information, facial feature shape information, or relative arrangement information of facial features, and the like, and the face feature information may be feature information adopted in various face recognition algorithms in the prior art, which is not limited in this embodiment.
After the face feature information is identified, the payment account number of the transfer target object corresponding to the face feature information can be inquired.
As a non-limiting embodiment, the payment account and the facial feature information may be pre-stored in a to-be-selected list in a server storage area together, and the payment account information in the to-be-selected list may be stored in an encrypted manner, so as to ensure the security of the information in the to-be-selected list. And after the server receives the face feature information, inquiring the encrypted payment account, and returning the decrypted payment account to the user.
Next, step S13 is performed, the user may input a transfer amount at the terminal to transfer to the transfer target account, and the server extracts an amount from the user' S own account and transfers the amount to the payment account of the transfer target object according to the transfer amount input by the user.
Specifically, the account of the user may be a bank card account or a registered account of a store.
Further, the registered account number of the store may be bound to the bank card account number of the user, or, when the user transfers money from the registered account number of the store, a certain amount of money may be extracted from a pre-stored balance in the registered account number of the store to transfer money, or money may be directly deducted from the bound bank card account number.
Further, the user can select the transfer type to be instant transfer or delayed transfer at the terminal. For the delayed transfer, the user may set a delayed transfer time, for example, may set a payment account number for transferring an amount to the transfer target object automatically after 30 minutes or 2 hours.
In this embodiment, the reminding information may also be sent to the pre-bound user terminal. The pre-bound user terminal can be a terminal of a transfer person or a terminal of a transfer target object, so that each transfer can be timely notified to a user, and the transfer operation is more humanized.
Specifically, the reminding information includes one or more of the following items: the transfer amount contained in the transfer instruction and the payment account number of the transfer target object ensure that each transfer is well documented, and user experience can be effectively improved.
Please refer to fig. 1 and fig. 2, wherein fig. 2 is a flowchart illustrating an embodiment of step S13 in fig. 1.
In this embodiment, in order to further improve the security of the money transfer, the step S13 may include the following steps:
step S21: receiving a transfer instruction sent by the user;
step S22: sending an authentication request to the user, and receiving authentication feedback information sent by the user aiming at the authentication request;
step S23: and when the authentication of the authentication feedback information passes, transferring the account to the payment account of the transfer target object.
In this embodiment, the authentication type of the authentication request may be selected from one or more of the following: password authentication, verification code authentication, name authentication, common friend authentication and identity information authentication.
When the method is implemented specifically, the server can send a request for inputting the password to the user, and the transfer of the transfer amount can be completed only after the user inputs the correct password; or the server sends a dynamic verification code to the user, and the transfer of the transfer amount can be completed only after the user correctly fills the verification code; or the server sends the full name of the transfer target object to the user, and the server can finish transfer of the transfer amount only after the user clicks a name confirmation button; or the server sends the name with the omitted surname of the transfer target object to the user, and the transfer of the transfer amount can be completed only after the user correctly supplements the surname; or the user directly inputs the full name of the transfer target object, and the transfer of the transfer amount can be completed only after the full name is correctly input; or the server pushes a plurality of other users to the user, and requires the user to select a friend common with the transfer target object from the midpoint, and the transfer of the transfer amount can be completed only when the common friend selects correctly; alternatively, the transfer of the transfer amount may be completed only when the user correctly inputs the identity information reserved by the transfer target object, wherein the identity information may be professional information, such as a teacher, a nurse, a police, and the like.
It can be understood that the authentication step can be omitted under the condition that the transfer amount is small, and only the face feature information in the face image is required to be correctly corresponding to the payment account number of the transfer target object. But for the condition of large transfer amount, the authentication can be performed again after the face feature recognition, so that the safety of large-amount fund transfer is ensured, the fund safety is effectively ensured, and the user experience is improved. Of course, for a user who is cautious, under the condition of various transfer amounts, authentication may be performed again after the face feature recognition, and the embodiment of the present invention is not limited thereto.
In one particular application scenario, for example, transfers of pre-stored balances between restaurant members.
Specifically, the first person and the second person are both members of a restaurant, member payment account numbers are opened by the two persons when the members are registered, face images of the first person and the second person are both input into the two persons, and the face images of the first person and the second person are respectively associated with the respective payment account numbers.
If the first person cannot continue consuming at the restaurant for personal reasons and has an intention with the second person, the first person transfers the pre-stored balance in his payment account to the payment account of the second person. At this time, the first and second accounts can be transferred by the account transfer method based on the face recognition in the embodiment of the invention.
Firstly, the first can upload the photo of the second stored in the mobile phone to a restaurant background server, the uploading process can be completed through a mobile phone payment App provided by a restaurant, and the photo can also be handed to a restaurant waiter, and the restaurant waiter uploads the photo on a PC manually.
The restaurant server can search a payment account of the second person according to the face information of the second person in the photo and provide the payment account to the first person, and the payment account can be displayed in a member management page of the first person in the mobile phone payment app.
And then, the first inputs a transfer amount in a member management page of the first, and after a transfer button is clicked, the mobile phone payment App generates an authentication request, the first is required to input a verification code, and the verification code is sent to the first mobile phone in a short message mode.
And after the first inputs the received verification code and clicks verification, the server feeds back prompt information of successful verification to indicate that the authentication is passed. At this time, the transfer amount can be transferred from the member pre-stored account of the first to the member pre-stored account of the second.
And then, the prestored mobile phone numbers of the first person and the second person can receive information of successful transfer, the information comprises the payment account number of the first person, the payment account number of the second person and the transfer amount, and the transfer operation between the two persons is finished.
The transfer method comprises the steps that a face image of a transfer target object appointed by a user is determined, and face feature information contained in the face image corresponds to payment account numbers of the transfer target object one by one; next, identifying the face image to determine face feature information contained in the face image, and inquiring a payment account number of the transfer target object corresponding to the face feature information; and then transferring accounts to the payment account number of the transfer target object according to the received transfer instruction. Therefore, the payment account number of the transfer target object is accurately searched through the face characteristic information of the transfer target object, the time for manually inputting the payment account number of the transfer target object is saved, the transfer operation is more convenient and safer, and the transfer efficiency is effectively improved. In addition, the face feature recognition is followed by one authentication, so that the fund safety is effectively guaranteed, and the user experience is improved.
Referring to fig. 3, fig. 3 is a schematic structural diagram of a transfer device based on face recognition according to an embodiment of the present invention.
The transfer apparatus 1 based on the face recognition may include: the face image acquisition module 2 is suitable for determining a face image of a transfer target object appointed by a user, wherein the face feature information contained in the face image corresponds to the payment account number of the transfer target object one by one; the recognition module 3 is suitable for recognizing the face image to determine face feature information contained in the face image and inquiring a payment account number of the transfer target object corresponding to the face feature information; and the transfer module 4 is suitable for transferring the account number of the transfer target object according to the received transfer instruction. The transfer device 1 can accurately search the payment account number of the transfer target object through the face characteristic information of the transfer target object, so that the manually input process of the target account number is saved, the transfer is more convenient and safer, and the transfer efficiency is effectively improved.
Further, the transfer apparatus 1 based on face recognition may further include: and an information sending module (not shown) adapted to send a reminding message to the pre-bound user terminal.
Further, the reminder information may include one or more of: and the transfer amount contained in the transfer instruction and the payment account number of the transfer target object.
Further, the transfer module 4 may include: a transfer instruction receiving submodule 41 adapted to receive a transfer instruction issued by the user; an authentication sub-module 42 adapted to issue an authentication request to the user and receive authentication feedback information sent by the user for the authentication request; and a transfer execution sub-module 43 for transferring the payment account of the transfer target object when the authentication of the authentication feedback information is passed. Therefore, after the face feature information passes the authentication, the safety of transfer of large amount of funds can be effectively ensured through further authentication, and the fund safety is effectively ensured.
Further, the authentication type of the authentication request may be selected from one or more of: password authentication, verification code authentication, name authentication, common friend authentication and identity information authentication.
Further, the transfer module 4 may include: and an automatic transfer sub-module (not shown) adapted to automatically transfer a payment account number to the transfer target object from among pre-stored account numbers.
Further, the pre-stored account numbers may correspond to the face feature information of the user one to one.
Further, the face image obtaining module 2 may include: and the facial image receiving sub-module 21 is adapted to receive facial images of the transfer target object uploaded by the user.
Referring to fig. 4, fig. 4 is a schematic structural diagram of another transfer device based on face recognition according to an embodiment of the invention.
The operation principle of the identification module and the transfer module in fig. 4 is the same as that of the identification module and the transfer module in fig. 3, and thus, the detailed description thereof is omitted.
For another transfer device 5 based on face recognition, the face image acquisition module 2 of the transfer device 5 may include a face image selection sub-module 22 adapted to receive a face image of the transfer target object selected by the user in the instant messaging tool.
It should be noted that, the user may select different facial image uploading modes according to specific application situations. Different facial image uploading manners may be implemented by the facial image receiving sub-module 21 or the facial image selecting sub-module 22, which is not limited in this embodiment of the present invention. The person skilled in the art can understand that the requirements of different transfer occasions and different people can be met through diversified face image uploading modes, transfer operation is more humanized, and universality of the transfer method is improved.
More contents of the working principle and the working mode of the transfer device 1 based on the face recognition in fig. 3 and the transfer device 5 based on the face recognition in fig. 4 can be referred to the related descriptions in fig. 1 to fig. 2, and are not described again here.
The embodiment of the invention also discloses a storage medium, wherein computer instructions are stored on the storage medium, and when the computer instructions are operated, the steps of the transfer method based on the face recognition shown in the figure 1 or the figure 2 can be executed. The storage medium may include ROM, RAM, magnetic or optical disks, etc. The storage medium may further include a non-volatile memory (non-volatile) or a non-transitory memory (non-transient), and the like.
The embodiment of the invention also discloses a terminal which can comprise a memory and a processor, wherein the memory is stored with computer instructions capable of running on the processor. The processor, when executing the computer instructions, may perform the steps of the face recognition based transfer method shown in fig. 1 or 2. The terminal includes, but is not limited to, a mobile phone, a computer, a tablet computer and other terminal devices.
Although the present invention is disclosed above, the present invention is not limited thereto. Various changes and modifications may be effected therein by one skilled in the art without departing from the spirit and scope of the invention as defined in the appended claims.
Claims (18)
1. A transfer method based on face recognition is characterized by comprising the following steps:
determining a face image of a transfer target object appointed by a user, wherein the face feature information contained in the face image corresponds to the payment account number of the transfer target object one by one;
identifying the face image to determine face characteristic information contained in the face image, and inquiring a payment account number of the transfer target object corresponding to the face characteristic information;
and transferring accounts to the payment account number of the transfer target object according to the received transfer instruction.
2. A transfer method based on face recognition as recited in claim 1, further comprising:
and sending reminding information to the pre-bound user terminal.
3. A transfer method based on face recognition as claimed in claim 2, wherein the reminder information includes one or more of: and the transfer amount contained in the transfer instruction and the payment account number of the transfer target object.
4. A transfer method based on face recognition as recited in claim 1, wherein transferring the transfer to the payment account number of the transfer target object according to the received transfer instruction comprises:
receiving a transfer instruction sent by the user;
sending an authentication request to the user, and receiving authentication feedback information sent by the user aiming at the authentication request;
and when the authentication of the authentication feedback information passes, transferring the account to the payment account of the transfer target object.
5. A transfer method based on face recognition as recited in claim 4, wherein the authentication type of the authentication request is selected from one or more of the following: password authentication, verification code authentication, name authentication, common friend authentication and identity information authentication.
6. A transfer method based on face recognition as recited in claim 1, wherein: transferring money to the payment account number of the transfer target object according to the received transfer instruction comprises the following steps:
and automatically transferring the payment account number to the transfer target object from prestored account numbers.
7. A transfer method based on face recognition as recited in claim 6, wherein: and the pre-stored account numbers correspond to the face feature information of the user one by one.
8. A transfer method based on face recognition as claimed in any one of claims 1 to 7, wherein determining a face image of a transfer target object designated by a user comprises:
receiving a face image of the transfer target object uploaded by a user; or receiving a face image of the transfer target object selected by the user in the instant messaging tool.
9. A transfer apparatus based on face recognition, comprising:
the system comprises a face image acquisition module, a payment account acquisition module and a payment account management module, wherein the face image acquisition module is suitable for determining a face image of a transfer target object appointed by a user, and the face characteristic information contained in the face image corresponds to the payment account of the transfer target object one to one;
the recognition module is suitable for recognizing the face image to determine face characteristic information contained in the face image and inquiring a payment account number of the transfer target object corresponding to the face characteristic information;
and the transfer module is suitable for transferring the account number of the transfer target object to the payment account number according to the received transfer instruction.
10. A transfer apparatus based on face recognition as claimed in claim 9, further comprising:
and the information sending module is suitable for sending reminding information to the pre-bound user terminal.
11. A transfer apparatus as defined in claim 10, wherein the reminder information includes one or more of: and the transfer amount contained in the transfer instruction and the payment account number of the transfer target object.
12. A transfer apparatus based on face recognition as recited in claim 9, wherein the transfer module comprises:
the transfer instruction receiving submodule is suitable for receiving a transfer instruction sent by the user;
the authentication sub-module is suitable for sending an authentication request to the user and receiving authentication feedback information sent by the user aiming at the authentication request;
and the transfer execution sub-module transfers the money to the payment account of the transfer target object when the authentication of the authentication feedback information passes.
13. A transfer apparatus as defined in claim 12, wherein the authentication type of the authentication request is selected from one or more of the following: password authentication, verification code authentication, name authentication, common friend authentication and identity information authentication.
14. A transfer apparatus based on face recognition as claimed in claim 9, wherein: the transfer module includes:
and the automatic transfer sub-module is suitable for automatically transferring the payment account number of the transfer target object from prestored account numbers.
15. A transfer apparatus based on face recognition as claimed in claim 14, wherein: and the pre-stored account numbers correspond to the face feature information of the user one by one.
16. A transfer apparatus based on face recognition as claimed in any one of claims 9 to 15, wherein the face image acquisition module comprises:
the face image receiving submodule is suitable for receiving a face image of the transfer target object uploaded by a user;
or the facial image selection sub-module is suitable for receiving the facial image of the transfer target object selected by the user in the instant messaging tool.
17. A storage medium having stored thereon computer instructions, wherein the computer instructions when executed perform the steps of the method for transferring money based on face recognition of any one of claims 1-8.
18. A terminal comprising a memory and a processor, the memory having stored thereon computer instructions executable on the processor, wherein the processor, when executing the computer instructions, performs the steps of the method for transferring money based on face recognition of any one of claims 1-8.
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