Mobile payment verification method and device

Abstract

The invention discloses a mobile payment verification method and device, and relates to the field of artificial intelligence. The method comprises the steps: receiving a payment request initiated by a target user through a mobile terminal; inputting the user state information and the payment environment information of the target user into a pre-trained payment verification mode prediction model, and outputting a payment verification mode corresponding to the payment request; and executing a payment verification service of the payment request according to the payment verification mode. According to the invention, the optimal payment verification mode can be automatically selected according to the user state and the environment information, the probability of payment failure caused by face recognition failure is reduced, the user does not need to manually select other payment verification modes during face recognition, and the user experience is enhanced.

Description

technical field [0001] The invention relates to the field of artificial intelligence, in particular to a mobile payment verification method and device. Background technique [0002] This section is intended to provide a background or context to embodiments of the invention that are recited in the claims. The descriptions herein are not admitted to be prior art by inclusion in this section. [0003] With the development of Internet technology and the advancement of mobile payment technology, mobile payment has become the most commonly used payment method in people's daily life. In order to ensure the security of the payment, it is often necessary to verify the password, fingerprint or face, etc., and the payment transfer can only be carried out after the verification is passed. [0004] Existing mobile payment applications often set face recognition as the default payment verification method. When a user sets up passwords, fingerprints, and face verification methods, face v...

AI Technical Summary

Problems solved by technology

[0006] The embodiment of the present invention provides a mobile payment verification method to solve the problem of setting face recognition as the default payment verification method in existing mobile payment applications. The technical problem of payment failure due to failure, the method includes: receiving the payment request initiated by the target user through the mobile terminal; inputting the user status information and payment environment information of the target user into the pre-trained payment verification method prediction model, and outputting The payment verification method corresponding to the payment request; according to the payment verification method, execute the payment verification business of the payment request

[0007] The embodiment of the present invention also provides a mobile payment verification device, which is used to solve the problem that face recognition is set as the default payment verification method in existing mobile payment applications. The technical problem of payment failure due to identification failure, the device includes: a payment request module, used to receive the payment request initiated by the target user through a mobile terminal; a payment verification method prediction module, used to combine the user status information and payment environment information of the target user , input to the pre-trained payment verification method prediction model, and output the payment verification method corresponding to the payment request; the payment module is used to execute the payment verification business of the payment request according to the payment verification method

[0008] The embodiment of the present invention also provides a computer device to solve the problem of setting face recognition as the default payment verification method in existing mobile payment applications. Because face recognition has high requirements on the environment, face recognition failures often occur. As for the technical problem leading to payment failure, the computer device includes a memory, a processor, and a computer program stored on the memory and operable on the processor. When the processor executes the computer program, the above-mentioned mobile payment verification method is realized.

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