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WO2019140545A1 - 自助缴费的找零方法、自助缴费终端及可读存储介质 - Google Patents

自助缴费的找零方法、自助缴费终端及可读存储介质 Download PDF

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Publication number
WO2019140545A1
WO2019140545A1 PCT/CN2018/072773 CN2018072773W WO2019140545A1 WO 2019140545 A1 WO2019140545 A1 WO 2019140545A1 CN 2018072773 W CN2018072773 W CN 2018072773W WO 2019140545 A1 WO2019140545 A1 WO 2019140545A1
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WO
WIPO (PCT)
Prior art keywords
account
self
cash
payment
change
Prior art date
Application number
PCT/CN2018/072773
Other languages
English (en)
French (fr)
Inventor
王林祥
赵皎平
Original Assignee
西安艾润物联网技术服务有限责任公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 西安艾润物联网技术服务有限责任公司 filed Critical 西安艾润物联网技术服务有限责任公司
Priority to PCT/CN2018/072773 priority Critical patent/WO2019140545A1/zh
Publication of WO2019140545A1 publication Critical patent/WO2019140545A1/zh

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
    • G07D1/00—Coin dispensers
    • G07D1/02—Coin dispensers giving change
    • G07D1/06—Coin dispensers giving change dispensing the difference between a sum paid and a sum charged

Definitions

  • the invention relates to the field of self-service technology, in particular to a self-service payment change method, a self-service payment terminal and a readable storage medium.
  • the user can complete the payment on a self-service basis, and the whole payment process is simple, convenient and fast, but the self-service payment terminal often needs to face the change of change after receiving the cash paid by the user, and the change is made.
  • the equipment cost of the module is high, and it is also necessary to arrange for the staff to regularly replenish the self-service payment terminal, thereby increasing the operating cost and labor cost.
  • the main object of the present invention is to provide a self-service payment change method, a self-service payment terminal, and a readable storage medium, which are aimed at solving the technical problem that the cash change device in the prior art is high and the manual change is required.
  • the present invention provides a method for changing the self-service payment, and the method for changing the self-service payment includes the following steps:
  • the personal electronic payment account of the current payer is obtained through the human biometric verification method or the license plate matching method;
  • the amount corresponding to the cash change is recharged to the personal electronic payment account for the payer to consume in cash.
  • detecting whether there is currently cash change includes:
  • obtaining the current electronic payment account of the current payer by the human biometric verification or the license plate matching method includes:
  • the personal electronic payment account of the current payer is obtained.
  • the method for changing the self-service payment further comprises:
  • a two-dimensional code graphic is generated and displayed on the local screen, so that the paying party performs scan code recognition based on the client, and obtains the scan code user ID information;
  • the method for changing the self-service payment further comprises:
  • a prompt message is displayed on the local screen for prompting the payer to register the personal account.
  • the charging the amount corresponding to the cash change to the personal electronic payment account comprises:
  • the amount corresponding to the cash change is issued to the personal WeChat, Alipay or other electronic payment account in cash or red envelope.
  • the method for changing the self-service payment further comprises:
  • a message indicating that the balance is successfully refilled is displayed on the local screen.
  • the present invention further provides a self-service payment terminal, the self-service payment terminal comprising: a memory, a processor, and a payment change program stored on the memory and operable on the processor, The step of implementing the self-service payment change method according to any one of the above, when the payment change program is executed by the processor.
  • the present invention further provides a computer readable storage medium, wherein the computer readable storage medium stores a payment change program, and the payment change program is executed by the processor, such as the above A step of the self-paying method of changing the self-service payment.
  • the invention detects whether there is currently cash change at the time of self-service payment.
  • cash change it is necessary to return the overpaid money to the payer, so as to obtain the personal electronic payment account of the current payer through the biometric verification method or the license plate matching method, and then the excess payment, that is, cash.
  • the amount corresponding to the change to zero is recharged to the payer's personal electronic payment account, so that the payer can consume it in cash, thereby realizing cash-free return to the user, and the self-service payment terminal provided by the operator does not need to install an additional cash change module to reduce Operating costs, while eliminating the need to arrange staff to add change, thereby reducing labor costs.
  • FIG. 1 is a schematic structural diagram of a self-service payment terminal operating environment according to an embodiment of the present invention
  • FIG. 2 is a schematic flow chart of an embodiment of a method for changing self-service payment according to the present invention
  • step S10 in FIG. 2 is a schematic diagram showing a refinement process of an embodiment of step S10 in FIG. 2;
  • step S20 in FIG. 2 is a schematic diagram showing the refinement process of an embodiment of step S20 in FIG. 2;
  • FIG. 5 is a schematic flowchart diagram of another embodiment of a method for changing self-service payment according to the present invention.
  • FIG. 1 is a schematic structural diagram of a self-service payment terminal operating environment according to an embodiment of the present invention.
  • the self-service payment terminal of the embodiment of the invention is a device having the functions of generating a payment bill, receiving cash, clearing a bill, accessing a network, and the like.
  • the self-service payment terminal may include a processor 1001, such as a CPU, a communication bus 1002, a user interface 1003, a network interface 1004, and a memory 1005.
  • the communication bus 1002 is used to implement connection communication between these components.
  • the user interface 1003 may include a display, an input unit such as a keyboard, and the network interface 1004 may optionally include a standard wired interface, a wireless interface (such as a WI-FI interface).
  • the memory 1005 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage.
  • the memory 1005 can also optionally be a storage device independent of the aforementioned processor 1001.
  • the hardware structure of the self-service payment terminal shown in FIG. 1 does not constitute a limitation of the self-service payment terminal, and may include more or less components than the illustration, or combine some components, or different. Parts layout.
  • an operating system As shown in FIG. 1, an operating system, a network communication module, a user interface module, and a computer program may be included in the memory 1005 as a computer readable storage medium.
  • the operating system is a program that manages and controls the self-service payment terminal and software resources, and supports the operation of the payment change program and other software and/or programs.
  • the network interface 1004 is mainly used to access the network; the user interface 1003 is mainly used for detecting confirmation commands and editing instructions.
  • the processor 1001 can be used to call the payment change program stored in the memory 1005 and perform the following operations:
  • the personal electronic payment account of the current payer is obtained through the human biometric verification method or the license plate matching method;
  • the amount corresponding to the cash change is recharged to the personal electronic payment account for the payer to consume in cash.
  • the self-service payment terminal calls the payment change program stored in the memory 1005 by the processor 1001 to perform the following operations:
  • the self-service payment terminal calls the payment change program stored in the memory 1005 by the processor 1001 to perform the following operations:
  • the personal electronic payment account of the current payer is obtained.
  • the self-service payment terminal calls the payment change program stored in the memory 1005 by the processor 1001 to perform the following operations:
  • a two-dimensional code graphic is generated and displayed on the local screen, so that the paying party performs scan code recognition based on the client, and obtains the scan code user ID information;
  • the self-service payment terminal calls the payment change program stored in the memory 1005 by the processor 1001 to perform the following operations:
  • a prompt message is displayed on the local screen for prompting the payer to register the personal account.
  • the self-service payment terminal calls the payment change program stored in the memory 1005 by the processor 1001 to perform the following operations:
  • the amount corresponding to the cash change is issued to the personal WeChat, Alipay or other electronic payment account in cash or red envelope.
  • the self-service payment terminal calls the payment change program stored in the memory 1005 by the processor 1001 to perform the following operations:
  • a message indicating that the balance is successfully refilled is displayed on the local screen.
  • FIG. 2 is a schematic flowchart diagram of an embodiment of a method for changing self-service payment according to the present invention.
  • the method for changing the self-service payment includes:
  • step S10 when self-service payment is made, it is detected whether there is currently cash change
  • self-service payment refers to services provided by power, communication, banking, and property through online banking, telephone banking, mobile banking, ATM, and other self-service devices to pay various fees for themselves or others.
  • Self-service payment must have corresponding billing details, which is the user's consumption bills in various aspects such as clothing, food, housing and transportation, such as parking fees, fueling fees, water fees, electricity bills, supermarket shopping expenses, telephone bills, etc.
  • billing details which is the user's consumption bills in various aspects such as clothing, food, housing and transportation, such as parking fees, fueling fees, water fees, electricity bills, supermarket shopping expenses, telephone bills, etc.
  • cash payment means that the user pays the fee by cash
  • online payment refers to the user using a client, such as a mobile phone, through a third-party payment platform. Way to self-pay the fee.
  • Paying by card is to store the money in electronic form on the card, such as a bus card. Online payment pays each amount of consumption consistent with the bill, so that the user can truly realize the cash-free transaction, thereby avoiding the user to change the situation, but when the user's online account balance is insufficient, the cash payment is often selected.
  • the amount of the bill is not an integer such as 10, 50, or 100. Therefore, it is necessary to return the amount that the user pays more to the user, that is, to change.
  • the terminal of the present invention establishes a communication connection through a mobile communication network or the like, and the specific establishment manner is not limited, thereby implementing a function of interacting with a background server, a client, and the like, wherein the client is a user's personal mobile phone, a mobile computer, or the like.
  • Step S20 when there is currently cash change, the personal electronic payment account of the current payer is obtained through the human biometric verification method or the license plate matching method;
  • the user that is, the consumer and the paying party, pays the self-service payment through the self-service payment terminal, and since the amount paid is greater than the consumption amount on the bill, there is cash change.
  • the personal account of the paying party currently paying is obtained based on the preset method.
  • the method for obtaining a personal electronic payment account is a pre-set method, and there are various methods, such as requiring the user to input account information or performing user identification by photographing, and setting according to actual needs.
  • the payer's personal electronic payment account is obtained by human biometric verification or by license plate matching.
  • the account is a classification of various funds use, source, turnover process, etc., and the personal account is bound with personal identity information, including name, gender, mobile phone number, ID number, membership level and so on.
  • Obtain the personal account of the current payer that is, obtain the personal account corresponding to the operator currently paying the bill, not the account of the other person.
  • the account under the platform is obtained, such as a parking platform, a third-party payment platform (WeChat, Alipay), a supermarket platform or a food platform.
  • a personal electronic payment account is also the only electronic account owned by the user on the payment platform.
  • step S30 the amount corresponding to the cash change is recharged to the personal account for the payer to consume in cash.
  • the user since the current cash change is to directly return the overpaid money to the user in the form of money, for example, if it needs to change the value of 2 yuan, the user will return the coin of 2 dollars; or need to find 10 pieces of zero. If the money is returned, the user will return the banknote of 10 yuan; or if it needs to find 13 yuan, then the user will return 2 banknotes of 5 yuan and 3 coins of one dollar, which may cause the user to get the counterfeit banknotes. For the operator, it is necessary to arrange a special person to replenish the currency on a regular basis. Further, there is still a lack of money in time, resulting in the inability to return the user.
  • the corresponding change amount is recharged to the personal account, that is, when the current payee's personal account is obtained, it will be necessary to find Zero money is recharged to the account by recharging, for example, obtaining a supermarket member account, and recharging the twenty-eight pieces of the zero change to the supermarket member account.
  • the user settles in the next supermarket, it is used to deduct the amount of consumption, so as to avoid the counterfeit banknotes or insufficient terminal currency, which will harm the user's interests, thereby reducing the operating cost and manpower of the operator to invest in cash change equipment and regularly replenish money. cost.
  • self-service payment when self-service payment is made, it is detected whether there is currently cash change.
  • cash change it is necessary to return the overpaid money to the payer, so as to obtain the personal electronic payment account of the current payer through the biometric verification method or the license plate matching method, and then the excess payment, that is, cash.
  • the amount corresponding to the change to zero is recharged to the payer's personal electronic payment account, so that the payer can consume it in cash, thereby realizing cash-free return to the user, and the self-service payment terminal provided by the operator does not need to install an additional cash change module to reduce Operating costs, while eliminating the need to arrange staff to add change, thereby reducing labor costs.
  • FIG. 3 is a schematic diagram of a refinement process of an embodiment of step S10 in FIG.
  • step S10 when self-service payment is made, detecting whether there is currently cash change includes:
  • step S11 when the self-service payment is made, the cash is received, and the received cash is accumulated to obtain the total amount of cash;
  • the user may choose to pay the bill by using cash, or some users are accustomed to paying the bill by using cash.
  • Cash includes banknotes and coins, which correspond to standard amounts according to national standards.
  • the self-service payment terminal receives the cash and identifies the cash amount. When there are multiple banknotes or multiple coins, the cumulative calculation gives the total amount of cash paid by the user. For example, the user inputs 3 sheets of 100 dollars, and the total amount of cash is 300.
  • Step S12 determining whether the total amount of cash is greater than the amount of the self-paid bill
  • Step S13 and if so, there is cash change.
  • the total amount of cash is greater than the amount of the self-paid bill, that is, whether the difference between the total amount of cash and the amount of the bill is greater than zero. If yes, there is cash change, that is, the money invested by the user is paid after the bill is paid, and the excess money needs to be returned to the user. If not, there are two situations. One is that the bill is just settled. At this time, the total amount of cash is consistent with the amount of the bill. The other is that the bill is not settled, the cash invested is insufficient to pay, and the user needs to continue to invest in cash. The total amount of cash is less than the amount of the bill.
  • FIG. 4 is a schematic diagram of a refinement process of an embodiment of step S20 in FIG.
  • step S20 when there is currently cash change, the personal electronic payment account of the current payer is obtained through the human biometric verification or the license plate matching method, including:
  • Step S211 When there is currently cash change, the feature parameter of the payer is identified, and the identification information is generated, where the feature parameter includes a face feature or a fingerprint feature;
  • the characteristic parameter is parameter information used to characterize a substance or a phenomenon characteristic, including a human biometric.
  • the human biometrics may be facial features of the user (such as facial features, facial features), iris features, fingerprint features, etc., based on prior art, preferably identifying facial features or fingerprint features of the paying party.
  • the license plate number is identified, and the license plate number is a number plate that identifies the identity of the vehicle, corresponding to a vehicle owner.
  • the user When the user pays the relevant fees in a supermarket, a bank, a water and electricity management office, etc., the user identifies the biometric characteristics of the user, that is, identifies the facial features of the user, or identifies the fingerprint characteristics of the user, etc., to obtain the identity information of the user. .
  • the manner of identifying the feature parameters can be consistent with the traditional recognition mode, such as by photographing the license plate, the image of the user's face, identifying by the fingerprint collector, etc., according to the actual situation.
  • identification information is generated for use as a search key. The same reason is used as a search key based on the identified license plate number.
  • Step S212 searching whether there is an account matching the identification information or an account matching the payment license plate in the database
  • the database stores a large amount of information, including account information registered by the user, login information, updated version, and the like.
  • the database can be a database connected to the backend server or a local database, supporting offline and online services.
  • the identification information is used to find whether there is an account matching in the database, that is, the license plate number, the face feature or the fingerprint feature is used to obtain the identity information of the user, thereby searching whether there is a personal account of the user.
  • Step S213 when there is an account matching the identification information or an account matching the payment license plate in the database, the personal electronic payment account of the current payer is obtained.
  • the account when an account matching the identification information or matching the payment license plate is found, the account is a personal electronic payment account corresponding to the paying party.
  • the existing identification technology is very mature. By identifying, the user identity information can be obtained, and the personal account information can be obtained, thereby eliminating the manual input operation of the user, which is more intelligent and convenient, and improves the user experience.
  • the user is a consumer who consumes the bill, and is also a payer who pays the bill by using the self-service payment terminal.
  • the manner of obtaining the personal account of the current paying party may further include:
  • an input box pops up on the local screen for obtaining the text information input by the paying party in the input box, wherein the text information includes at least the account information, the ID number, and the mobile phone number.
  • the text information includes at least the account information, the ID number, and the mobile phone number.
  • the local screen is also the display screen of the self-service payment terminal, and when it is detected that there is cash change, the input box is popped up. Clicking the mouse in the input box will display the insertion point cursor.
  • the user can input text or text information directly in the input box, which is a way to obtain the user input data, thereby implementing interaction with the terminal.
  • the text information includes at least one of the account information, the ID number, and the mobile phone number.
  • the account information, the ID number, and the mobile phone number are a combination of multiple numbers and/or letters. It should be noted that the user's account has a corresponding
  • the account number is the voucher of the virtual account, and each account is also bound with a mobile phone number, an ID number, an email address, and the like.
  • the existing account information can be obtained through the binding information.
  • the account in the account is directly retrieved in the database, and if so, the account input by the user is the personal account used by the user. If the obtained binding information, such as the ID number, the mobile phone number or the mailbox, etc., in the database, the input information is used as a keyword to search, and when a matching account is found, the account is the user's personal account.
  • FIG. 5 is a schematic flowchart diagram of another embodiment of a method for changing self-service payment according to the present invention.
  • the manner of obtaining the personal account of the current paying party may further include:
  • Step S221 when there is currently cash change, generate a two-dimensional code graphic and display it on the local screen, so that the payment party performs scan code recognition based on the client, and obtains the scan code user ID information;
  • Step S222 searching for an account in the database that matches the scan code user ID information
  • Step S223 when there is an account matching the scan code user ID information, the personal electronic payment account of the current payer is obtained.
  • the two-dimensional code is an ultra-popular coding method on mobile devices in recent years, and it is more traditional than Bar.
  • Code barcodes can store more information and can represent more data types.
  • the two-dimensional code records the data symbol information in a black and white pattern distributed in a plane (two-dimensional direction) by a certain geometric pattern, and can obtain information (business cards, passwords, maps, etc.), jump website , push advertising, anti-counterfeiting traceability, membership management, mobile payment and other functions.
  • the editor When there is cash change, the editor generates a two-dimensional code graphic and displays it on the local screen, that is, displayed on the display screen of the terminal, and the user scans and recognizes the two-dimensional code through a client such as a mobile phone, and the terminal is
  • the scan code user ID information can be obtained, and then the matching account information can be found in the database.
  • the account is the payer's personal electronic payment account.
  • the method of generating the two-dimensional code pattern and scanning the code to obtain the scan code user ID information can be consistent with the traditional two-dimensional code mode, and the generation of the two-dimensional code pattern is preferably dynamically generated to avoid theft or the resulting Scanning the user ID information is incorrect, and the account cannot be obtained smoothly.
  • the prompt information is displayed through the local screen, thereby prompting the paying party to register the personal account.
  • the registered account can be additionally registered by the client to download the relevant APP, or can be directly registered by the terminal of the present invention.
  • the account has a unique account, consisting of Arabic numerals and/or English letters. It is a pass for logging in to the platform. After logging in, you can also manage/modify personal information on the account management page, including changing passwords, binding mobile phones, and identity authentication. The user has and only has an account registered with the platform, so that the change amount can be used in the account.
  • the amount corresponding to the cash change is recharged to the personal electronic payment account, specifically, the corresponding amount is distributed in cash to the personal WeChat, Alipay or other electronic payment account. Or, the corresponding amount will be paid to the personal electronic payment account in the form of a voucher or a red envelope.
  • WeChat and Alipay are more commonly used electronic payment accounts.
  • the voucher can be deducted from the same equivalent cash use in shopping, as the name suggests is to replace the banknote.
  • it is issued in the form of vouchers or red envelopes, which can clearly distinguish the balance in the user's account and avoid confusion.
  • the virtual wallet on the personal account has a balance, a coupon, a red envelope, etc., and the amount of the change is returned to the user in any form, thereby providing the user with multiple choices, and the user can log in to the account by itself. Check it out and choose to use the balance payment, coupon deduction, red envelope payment or any combination of payment at the next payment.
  • the local screen displays prompt information indicating that the balance is successfully refilled, to notify the payer that the change has been found.
  • prompt information indicating that the balance is successfully refilled, to notify the payer that the change has been found.
  • the present invention further provides a computer readable storage medium, where the computer readable storage medium provided in the embodiment stores a payment change program, including detecting cash change and obtaining an account. And recharge and so on.
  • the stored payment change program can be read, interpreted and executed by the processor, thereby implementing the steps of the self-service payment change method in any of the above-described change method embodiments.
  • the technical solution of the present invention which is essential or contributes to the prior art, can be embodied in the form of a software product stored in a readable storage medium (such as ROM/RAM, magnetic
  • a readable storage medium such as ROM/RAM, magnetic
  • the disc, the optical disc includes a number of instructions for causing a terminal (which may be a cell phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods of various embodiments of the present invention.

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Abstract

一种自助缴费的找零方法、自助缴费终端及可读存储介质，该自助缴费的找零方法包括以下步骤：在自助缴费时，检测当前是否存在现金找零（S10）；当当前存在现金找零时，则通过人体生物验证方式或车牌匹配方式，获取当前缴费方的个人电子支付账户（S20）；将该现金找零对应的金额充值到该个人电子支付账户上，以供该缴费方以现金形式消费（S30）。该方法在缴费找零的情况下，将零钱充值至用户电子支付账号上，实现免现金返还给用户，进而降低运营成本和人力成本。

Description

自助缴费的找零方法、自助缴费终端及可读存储介质
技术领域
本发明涉及自助服务技术领域，尤其涉及一种自助缴费的找零方法、自助缴费终端及可读存储介质。
背景技术
随着自助服务技术和互联网技术的不断发展，市场上普遍存在以24小时自助服务的自助缴费终端，用以缓解传统营业人员的工作压力，弥补原来营业时间上的不足，避免用户在办理缴费业务时的烦恼。
目前，通过现有的自助缴费终端，用户可以全程自助完成缴费，且整个缴费过程简单、方便、快捷，但自助缴费终端在收取用户支付的现金后，经常需要面临找零钱的情况，而找零模块的设备成本高昂，同时还需要安排工作人员定期对自助缴费终端进行零钱补充，进而增加了运营成本和人力成本。
发明内容
本发明的主要目的在于提供一种自助缴费的找零方法、自助缴费终端及可读存储介质，旨在解决现有技术中现金找零设备高昂以及需要人工进行零钱补充的技术问题。
为实现上述目的，本发明提供的一种自助缴费的找零方法，所述自助缴费的找零方法包括以下步骤：
在自助缴费时，检测当前是否存在现金找零；
当当前存在现金找零时，通过人体生物验证方式或车牌匹配方式，获取当前缴费方的个人电子支付账户；
将所述现金找零对应的金额充值到所述个人电子支付账户上，以供所述缴费方以现金形式消费。
优选地，所述在自助缴费时，检测当前是否存在现金找零包括：
在自助缴费时，接收现金，并累计接收的现金，得到现金总额；
判断所述现金总额是否大于所述自助缴费的账单金额；
若是，则存在现金找零。
优选地，所述当当前存在现金找零时，通过人体生物验证或车牌匹配方式，获取当前缴费方的个人电子支付账户包括：
当当前存在现金找零时，识别缴费方的特征参数，并生成识别信息，其中，所述特征参数包括人脸特征或指纹特征；
查找数据库中是否存在与所述识别信息匹配的账户或与缴费车牌匹配的账户；
当数据库中存在与所述识别信息匹配的账户或与缴费车牌匹配的账户时，得到当前缴费方的个人电子支付账户。
优选地，所述自助缴费的找零方法还包括：
当当前存在现金找零时，生成二维码图形并在本地屏幕上进行显示，以供缴费方基于客户端进行扫码识别，得到扫码用户ID信息；
查找数据库中是否存在与所述扫码用户ID信息匹配的账户；
当数据库中存在与所述扫码用户ID信息匹配的账户时，得到当前缴费方的个人电子支付账户。
优选地，所述自助缴费的找零方法还包括：
当数据库中不存在匹配的账户时，在本地屏幕上显示提示信息，以供提示缴费方注册个人账户。
优选地，所述将所述现金找零对应的金额充值到所述个人电子支付账户上包括：
将所述现金找零对应的金额以现金或红包形式发放至所述个人微信、支付宝或其它电子支付账户上。
优选地，在所述将所述现金找零对应的金额充值到所述个人电子支付账户上之后，所述自助缴费的找零方法还包括：
在本地屏幕上显示余额充值成功的提示信息。
此外，为实现上述目的，本发明还提供一种自助缴费终端，所述自助缴费终端包括：存储器、处理器及存储在所述存储器上并可在所述处理器上运行的缴费找零程序，所述缴费找零程序被所述处理器执行时实现如上述中任一项所述的自助缴费的找零方法的步骤。
此外，为实现上述目的，本发明还提供一种计算机可读存储介质，所述计算机可读存储介质上存储有缴费找零程序，所述缴费找零程序被处理器执行时实现如上述中任一项所述的自助缴费的找零方法的步骤。
本发明是在自助缴费时，检测当前是否存在现金找零。当存在现金找零时，就需要将多支付的钱退回给缴费方，从而通过人体生物验证方式或车牌匹配方式，获取当前缴费方的个人电子支付账户，进而将多支付的钱，也就是现金找零对应的金额充值到缴费方的个人电子支付账户上，以供缴费方以现金形式消费，从而实现免现金返还给用户，进而运营方提供的自助缴费终端无需额外安装现金找零模块，降低运营成本，同时无需安排工作人员补充零钱，进而降低人力成本。
附图说明
图1为本发明实施例方案涉及的自助缴费终端运行环境的结构示意图；
图2为本发明自助缴费的找零方法一实施例的流程示意图；
图3为图2中步骤S10一实施例的细化流程示意图；
图4为图2中步骤S20一实施例的细化流程示意图；
图5为本发明自助缴费的找零方法另一实施例的流程示意图。
本发明目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
具体实施方式
应当理解，此处所描述的具体实施例仅用以解释本发明，并不用于限定本发明。
参照图1，图1为本发明实施例方案涉及的自助缴费终端运行环境的结构示意图。
本发明实施例自助缴费终端是具有生成缴费账单、接收现金、结算账单、访问网络等功能的设备。
如图1所示，该自助缴费终端可以包括：处理器1001，例如CPU，通信总线1002、用户接口1003，网络接口1004，存储器1005。其中，通信总线1002用于实现这些组件之间的连接通信。用户接口1003可以包括显示屏（Display）、输入单元比如键盘（Keyboard），网络接口1004可选的可以包括标准的有线接口、无线接口（如WI-FI接口）。存储器1005可以是高速RAM存储器，也可以是稳定的存储器（non-volatile memory），例如磁盘存储器。存储器1005可选的还可以是独立于前述处理器1001的存储装置。
本领域技术人员可以理解，图1中示出的自助缴费终端的硬件结构并不构成对自助缴费终端的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。
如图1所示，作为一种计算机可读存储介质的存储器1005中可以包括操作系统、网络通信模块、用户接口模块以及计算机程序。其中，操作系统是管理和控制自助缴费终端和软件资源的程序，支持缴费找零程序以及其它软件和/或程序的运行。
在图1所示的自助缴费终端的硬件结构中，网络接口1004主要用于接入网络；用户接口1003主要用于侦测确认指令和编辑指令等。而处理器1001可以用于调用存储器1005中存储的缴费找零程序，并执行以下操作：
在自助缴费时，检测当前是否存在现金找零；
当当前存在现金找零时，通过人体生物验证方式或车牌匹配方式，获取当前缴费方的个人电子支付账户；
将所述现金找零对应的金额充值到所述个人电子支付账户上，以供所述缴费方以现金形式消费。
进一步地，所述自助缴费终端通过处理器1001调用存储器1005中存储的缴费找零程序，以执行下述操作：
在自助缴费时，接收现金，并累计接收的现金，得到现金总额；
判断所述现金总额是否大于所述自助缴费的账单金额；
若是，则存在现金找零。
进一步地，所述自助缴费终端通过处理器1001调用存储器1005中存储的缴费找零程序，以执行下述操作：
当当前存在现金找零时，识别缴费方的特征参数，并生成识别信息，其中，所述特征参数包括人脸特征或指纹特征；
查找数据库中是否存在与所述识别信息匹配的账户或与缴费车牌匹配的账户；
当数据库中存在与所述识别信息匹配的账户或与缴费车牌匹配的账户时，得到当前缴费方的个人电子支付账户。
进一步地，所述自助缴费终端通过处理器1001调用存储器1005中存储的缴费找零程序，以执行下述操作：
当当前存在现金找零时，生成二维码图形并在本地屏幕上进行显示，以供缴费方基于客户端进行扫码识别，得到扫码用户ID信息；
查找数据库中是否存在与所述扫码用户ID信息匹配的账户；
当数据库中存在与所述扫码用户ID信息匹配的账户时，得到当前缴费方的个人电子支付账户。
进一步地，所述自助缴费终端通过处理器1001调用存储器1005中存储的缴费找零程序，以执行下述操作：
当数据库中不存在匹配的账户时，在本地屏幕上显示提示信息，以供提示缴费方注册个人账户。
进一步地，所述自助缴费终端通过处理器1001调用存储器1005中存储的缴费找零程序，以执行下述操作：
将所述现金找零对应的金额以现金或红包形式发放至所述个人微信、支付宝或其它电子支付账户上。
进一步地，所述自助缴费终端通过处理器1001调用存储器1005中存储的缴费找零程序，以执行下述操作：
在本地屏幕上显示余额充值成功的提示信息。
基于上述自助缴费终端硬件结构，提出本发明自助缴费的找零方法的各个实施例。
参照图2，图2为本发明自助缴费的找零方法一实施例的流程示意图。
本实施例中，自助缴费的找零方法包括：
步骤S10，在自助缴费时，检测当前是否存在现金找零；
本实施例中，自助缴费是指电力、通讯、银行、物业提供的通过网上银行、电话银行、手机银行、ATM、和其他自助设备为本人或他人缴纳各种费用的服务。自助缴费必然存在对应的账单明细，是用户在衣食住行等多个方面的消费账单，如停车费、加油费、水费、电费、超市购物费用、话费等等。自助缴费的方式有很多种，包括现金支付、在线支付和刷卡支付，现金支付是指用户用现金的方式自助缴纳费用，而在线支付是指用户用客户端，如手机，通过第三方支付平台的方式自助缴纳费用。刷卡支付则是将钱已电子形式存储在卡上，比如公交卡等。在线支付支付每一笔与账单上一致的消费金额，使用户真正实现免现金交易，进而避免用户找零的情况，但当用户网上账户余额不足的情况下时，往往选择现金支付。具体地，账单的消费金额都不是如10、50、100的整数，因而就需要将用户多支付的金额退还给用户，也就是找零。进一步地，本发明终端通过移动通信网络等建立通信连接，具体建立方式不限，进而实现与后台服务器、客户端等信息交互的功能，其中，客户端为用户的个人手机、移动电脑等。
步骤S20，当当前存在现金找零时，通过人体生物验证方式或车牌匹配方式，获取当前缴费方的个人电子支付账户；
本实施例中，用户也就是消费者、缴费方，通过自助缴费终端自助缴费，由于支付的金额大于账单上的消费金额，进而存在现金找零。但存在现金找零时，基于预设方式，获取当前正在缴费的缴费方的个人账户。获取个人电子支付账户的方式为预先设置好的方式，方式有多种，比如需要用户输入账户信息或通过拍照进行用户身份识别等，具体根据实际需要进行设置。优选地，通过人体生物验证方式或通过车牌匹配方式获取缴费方的个人电子支付账户。账户是账簿上对各种资金运用、来源、周转过程等设置的分类，而个人账户绑定有个人的身份信息，包括姓名、性别、手机号、身份证号、会员等级等内容。获取当前缴费方的个人账户，也就是获取当前正在缴费的操作方对应的个人账户，而不是其他人的账号。同时需要说明的是，根据对应缴费的平台，获取的是该平台下的账户，比如某一停车平台、第三方支付平台（微信、支付宝）、超市平台或美食平台等。个人电子支付账户也就是用户在支付平台上的属于个人拥有的唯一的电子账户。
步骤S30，将现金找零对应的金额充值到个人账户上，以供缴费方以现金形式消费。
本实施例中，由于目前的现金找零都是直接将多支付的钱以货币的形式返还给用户，比如需要找零2块钱，则退回用户2块钱的硬币；或需要找零10块钱，则退回用户10块钱的纸币；或需要找零13块钱，则退回用户2张五块钱的纸币和3个一块钱的硬币等，导致用户可能存在拿到假钞的情况，而对于运营方则需要安排专人定期补入货币。进一步地，还存在货币不足不及时，导致无法返还用户，而本实施例中，是将对应的找零金额充值到个人账户上，也就是当获取到当前缴费方的个人账户时，将需要找零的钱以充值的方式充值到该账户上，比如获取到超市会员账户，将找零的二十八块五毛充值到该超市会员账户上。当用户在下次超市结算时，用于抵扣消费金额，从而避免拿到假钞或终端货币不足而损害到用户的利益，进而降低运营方投入现金找零设备以及定期补充货币的运营成本和人力成本。
本实施例是在自助缴费时，检测当前是否存在现金找零。当存在现金找零时，就需要将多支付的钱退回给缴费方，从而通过人体生物验证方式或车牌匹配方式，获取当前缴费方的个人电子支付账户，进而将多支付的钱，也就是现金找零对应的金额充值到缴费方的个人电子支付账户上，以供缴费方以现金形式消费，从而实现免现金返还给用户，进而运营方提供的自助缴费终端无需额外安装现金找零模块，降低运营成本，同时无需安排工作人员补充零钱，进而降低人力成本。
参照图3，图3为图2中步骤S10一实施例的细化流程示意图。
基于上述实施例，本实施例中，步骤S10，在自助缴费时，检测当前是否存在现金找零包括：
步骤S11，在自助缴费时，接收现金，并累计接收的现金，得到现金总额；
本实施例中，由于使用在线支付、刷卡支付存在余额不足的情况，因而用户会选择使用现金支付账单，或者有的用户习惯使用现金支付账单。而现金包括纸币和硬币，根据国家标准，对应标准数额。自助缴费终端接收现金，并识别现金金额。当存在多张纸币或多个硬币时，累积计算，得到用户缴纳的现金总额，比如用户投入3张100块钱，现金总额为300。
步骤S12，判断现金总额是否大于自助缴费的账单金额；
步骤S13，若是，则存在现金找零。
本实施例中，判断现金总额是否大于自助缴费的账单金额，也就是判断现金总额与账单金额之差是否大于零。若是，则存在现金找零，也就是用户投入的货币现金缴完账单费用后有剩余，需要将多出来的钱退还给用户。若否，则存在两种情况，一种是账单刚好结清，此时现金总额与账单金额相一致，另一种是账单未结，投入的现金不足以支付，需要用户继续投入现金，此时现金总额比账单金额少。
参照图4，图4为图2中步骤S20一实施例的细化流程示意图。
基于上述实施例，本实施例中，步骤S20，当当前存在现金找零时，通过人体生物验证或车牌匹配方式，获取当前缴费方的个人电子支付账户，包括：
步骤S211，当当前存在现金找零时，识别缴费方的特征参数，并生成识别信息，其中，特征参数包括人脸特征或指纹特征；
在本实施例中，特征参数,是用于表征物质或现象特性的参数信息，包括人体生物特征。人体生物特征可以为用户的人脸特征（如五官、脸型）、虹膜特征、指纹特征等，基于现有技术优选识别缴费方的人脸特征或指纹特征。用户驾驶汽车并在停车场收费处、高速公路收费站等地自助缴纳相关费用时，识别车牌号，而车牌号是标识车辆身份的号牌，对应一位车主。用户在超市、银行、水电管理处等地自助缴纳相关费用时，识别用户的人体生物特征，也就是识别用户的人脸特征，或是识别用户的指纹特征等，用以获取用户本身的身份信息。此处识别特征参数的方式可与传统识别方式一致，如通过拍摄车牌、用户脸部的图像进行识别、通过指纹采集器识别等，具体根据实际情况进行设置。根据识别的特征参数，生成识别信息，用以作为检索的关键字。同理根据识别的车牌号，用以作为检索的关键字。
步骤S212，查找数据库中是否存在与识别信息匹配的账户或与缴费车牌匹配的账户；
本实施例中，数据库存储有大量信息，包括用户注册登记的账户信息、登录信息、更新版本等信息。数据库可以是连接后台服务器的数据库，也可以是本地数据库，支持离线与在线服务。通过识别信息查找数据库中是否存在与之匹配的账户，也就是通过车牌号、人脸特征或指纹特征，获取用户的身份信息，进而检索是否有该用户的个人账户。
步骤S213，当数据库中存在与所述识别信息匹配的账户或与缴费车牌匹配的账户时，得到当前缴费方的个人电子支付账户。
本实施例中，当查找到与识别信息匹配或与缴费车牌匹配的账户时，该账户为对应缴费方的个人电子支付账户。现有的识别技术很成熟，通过识别，即可获取用户身份信息，进而获取个人账户信息，免去用户的手动输入操作，更为智能方便，提高了用户的使用体验。具体地，用户是是消费账单的消费者，也是使用自助缴费终端进行账单缴费的缴费者。
基于上述实施例，本实施例中，获取当前缴费方的个人账户的方式还可以包括：
1、当当前存在现金找零时，在本地屏幕上弹出输入框，以供获取缴费方在输入框中输入的文本信息，其中，文本信息至少包括账号信息、身份证号、手机号中的任一项；
本实施例中，本地屏幕也就是自助缴费终端的显示屏，在检测到存在现金找零时，弹出输入框。在输入框中单击鼠标会出现插入点光标，用户可以直接在输入框中输入文字或文本信息，是获取用户输入数据的一种方式，进而实现与本终端的交互。文本信息至少包括账号信息、身份证号、手机号中的任一项，账号信息、身份证号、手机号是多个数字和/或字母的组合，需要说明的是，用户的账户有对应的账号，是虚拟账户的凭证，而每一个账户还绑定有手机号、身份证号、邮箱等。现有的通过绑定的信息即可获取到对应的账户信息。
2、查找数据库中是否存在账户信息的账户；和/或
查找数据库中是否存在与身份证号或手机号匹配的账户；
3、当存在账户信息的账户或存在与身份证号或手机号匹配的账户时，得到当前缴费方的个人账户。
本实施例中，如果获取的是账号信息，则直接在数据库中检索是否存在有该账号的账户，若有，则用户输入的账号即为用户使用的个人账户。如果获取的是绑定的信息，如身份证号、手机号或邮箱等，则在数据库中，以输入的信息作为关键字进行查找，当查找到有匹配的账户时，该账户即为用户的个人账户。
参照图5，图5为本发明自助缴费的找零方法另一实施例的流程示意图。
基于上述实施例，本实施例中，获取当前缴费方的个人账户的方式还可以包括：
步骤S221，当当前存在现金找零时，生成二维码图形并在本地屏幕上进行显示，以供缴费方基于客户端进行扫码识别，得到扫码用户ID信息；
步骤S222，查找数据库中是否存在与扫码用户ID信息匹配的账户；
步骤S223，当存在与扫码用户ID信息匹配的账户时，得到当前缴费方的个人电子支付账户。
本实施例中，二维码，是近几年来移动设备上超流行的一种编码方式，它比传统的Bar Code条形码能存更多的信息，也能表示更多的数据类型。二维码是用某种特定的几何图形按一定规律在平面（二维方向上）分布的黑白相间的图形记录数据符号信息的，能够实现获取信息（名片、密码、地图等）、跳转网站、推送广告、防伪溯源、会员管理、手机支付等功能。在存在现金找零时，编辑生成二维码图形，并显示在本地屏幕上，也就是显示在本终端的显示屏上，用户通过手机等客户端对二维码进行扫码识别，本终端即可得到扫码用户ID信息，进而在数据库中查找与之匹配的账户信息。当查找到与扫码用户ID信息匹配的账户时，该账户即为缴费方的个人电子支付账户。
需要说明的是，此处生成二维码图形以及扫码得到扫码用户ID信息的方式可与传统二维码方式一致，同时二维码图形的生成优选动态生成，避免盗取或导致得到的扫码用户ID信息有误，而无法顺利获得账户。
进一步可选的，在本发明另一实施例中，当数据库中不存在与当前缴费方相匹配的个人账户时，通过本地屏幕显示提示信息，进而提示缴费方注册个人账户。注册账户可以另外通过客户端下载相关APP进行注册，也可以直接通过本发明终端进行注册。账户有唯一的账号，由阿拉伯数字和/或英文字母组成，是登录平台的通行证，登录后还可以在帐户管理页管理/修改个人信息，包括修改密码、绑定手机、身份认证等。用户有且只有注册有平台的账户，方可将找零金额充入账户中使用。
进一步可选的，在本发明另一实施例中，将现金找零对应的金额充值到个人电子支付账户上，具体为将对应的金额以现金形式发放至个人微信、支付宝或其它电子支付账户上，或是将对应的金额以代金券或红包的形式发放至个人电子支付账户上。微信、支付宝都是较为常用的电子支付账户，同时市面上还有各银行或有资质的第三方支付平台，同样设有电子支付账户。以现金形式发放至缴费方的个人电子支付账户上，以供缴费方在下次消费时使用。例如需要找零22块钱，则将22块钱发放至缴费方的微信账户中。进一步地，代金券可以在购物中抵扣同样等值的现金使用，顾名思义是代替钞票的。同时以代金券或红包的形式发放，能够明显区分用户账户中的余额，避免混淆找零零钱。优选地，个人账户上的虚拟钱包中，有余额、优惠券、红包等，将找零的金额以任一一种形式退回给用户，进而为用户提供多种选择，而用户可以通过登录自己账户进行查看，并在下次付款时，可有选择的使用余额缴费、优惠券抵扣、红包缴费或是任意一种组合缴费。
进一步可选的，在本发明另一实施例中，在将现金找零对应的金额充值到个人电子支付账户后，本地屏幕上显示余额充值成功的提示信息，用以告知缴费方零钱已找清，避免系统出错而充值失败，致使用户毫不知情而损害到用户利益，进而提高支付缴费的透明度，提高用户的使用体验。
进一步可选的，为实现上述目的，本发明还提供一种计算机可读存储介质，在本实施例中提出的计算机可读存储介质上存储有缴费找零程序，包括检测现金找零、获取账号和充值等。存储的缴费找零程序能够被处理器读取、解读并执行，从而实现上述任一找零方法实施例中自助缴费的找零方法的步骤。
需要说明的是，在本文中，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或者装置不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、物品或者装置所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的过程、方法、物品或者装置中还存在另外的相同要素。
上述本发明实施例序号仅仅为了描述，不代表实施例的优劣。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本发明的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个可读存储介质（如ROM/RAM、磁碟、光盘）中，包括若干指令用以使得一台终端（可以是手机，计算机，服务器，空调器，或者网络设备等）执行本发明各个实施例的方法。
上面结合附图对本发明的实施例进行了描述，但是本发明并不局限于上述的具体实施方式，上述的具体实施方式仅仅是示意性的，而不是限制性的，本领域的普通技术人员在本发明的启示下，在不脱离本发明宗旨和权利要求所保护的范围情况下，还可做出很多形式，凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，这些均属于本发明的保护之内。
以上仅为本发明的优选实施例，并非因此限制本发明的专利范围，凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本发明的专利保护范围内。

Claims (20)

  1. 一种自助缴费的找零方法，其特征在于，所述自助缴费的找零方法包括以下步骤：
    在自助缴费时，检测当前是否存在现金找零；
    当当前存在现金找零时，通过人体生物验证方式或车牌匹配方式，获取当前缴费方的个人电子支付账户；
    将所述现金找零对应的金额充值到所述个人电子支付账户上，以供所述缴费方以现金形式消费。
  2. 如权利要求1所述的自助缴费的找零方法，其特征在于，所述在自助缴费时，检测当前是否存在现金找零包括：
    在自助缴费时，接收现金，并累计接收的现金，得到现金总额；
    判断所述现金总额是否大于所述自助缴费的账单金额；
    若是，则存在现金找零。
  3. 如权利要求1所述的自助缴费的找零方法，其特征在于，所述当当前存在现金找零时，通过人体生物验证或车牌匹配方式，获取当前缴费方的个人电子支付账户包括：
    当当前存在现金找零时，识别缴费方的特征参数，并生成识别信息，其中，所述特征参数包括人脸特征或指纹特征；
    查找数据库中是否存在与所述识别信息匹配的账户或与缴费车牌匹配的账户；
    当数据库中存在与所述识别信息匹配的账户或与缴费车牌匹配的账户时，得到当前缴费方的个人电子支付账户。
  4. 如权利要求1所述的自助缴费的找零方法，其特征在于，所述自助缴费的找零方法还包括：
    当当前存在现金找零时，生成二维码图形并在本地屏幕上进行显示，以供缴费方基于客户端进行扫码识别，得到扫码用户ID信息；
    查找数据库中是否存在与所述扫码用户ID信息匹配的账户；
    当数据库中存在与所述扫码用户ID信息匹配的账户时，得到当前缴费方的个人电子支付账户。
  5. 如权利要求3所述的自助缴费的找零方法，其特征在于，所述自助缴费的找零方法还包括：
    当数据库中不存在匹配的账户时，在本地屏幕上显示提示信息，以供提示缴费方注册个人账户。
  6. 如权利要求4所述的自助缴费的找零方法，其特征在于，所述自助缴费的找零方法还包括：
    当数据库中不存在匹配的账户时，在本地屏幕上显示提示信息，以供提示缴费方注册个人账户。
  7. 如权利要求1所述的自助缴费的找零方法，其特征在于，所述将所述现金找零对应的金额充值到所述个人电子支付账户上包括：
    将所述现金找零对应的金额以现金或红包形式发放至所述个人微信、支付宝或其它电子支付账户上。
  8. 如权利要求1所述的自助缴费的找零方法，其特征在于，在所述将所述现金找零对应的金额充值到所述个人电子支付账户上之后，所述自助缴费的找零方法还包括：
    在本地屏幕上显示余额充值成功的提示信息。
  9. 一种自助缴费终端，其特征在于，所述自助缴费终端包括：存储器、处理器及存储在所述存储器上并可在所述处理器上运行的缴费找零程序，所述缴费找零程序被所述处理器执行以下操作：
    在自助缴费时，检测当前是否存在现金找零；
    当当前存在现金找零时，通过人体生物验证方式或车牌匹配方式，获取当前缴费方的个人电子支付账户；
    将所述现金找零对应的金额充值到所述个人电子支付账户上，以供所述缴费方以现金形式消费。
  10. 如权利要求9所述的自助缴费终端，其特征在于，执行所述在自助缴费时，检测当前是否存在现金找零的操作包括：
    在自助缴费时，接收现金，并累计接收的现金，得到现金总额；
    判断所述现金总额是否大于所述自助缴费的账单金额；
    若是，则存在现金找零。
  11. 如权利要求9所述的自助缴费终端，其特征在于，执行所述当当前存在现金找零时，通过人体生物验证或车牌匹配方式，获取当前缴费方的个人电子支付账户的操作包括：
    当当前存在现金找零时，识别缴费方的特征参数，并生成识别信息，其中，所述特征参数包括人脸特征或指纹特征；
    查找数据库中是否存在与所述识别信息匹配的账户或与缴费车牌匹配的账户；
    当数据库中存在与所述识别信息匹配的账户或与缴费车牌匹配的账户时，得到当前缴费方的个人电子支付账户。
  12. 如权利要求9所述的自助缴费终端，其特征在于，所述处理器还执行以下操作：
    当当前存在现金找零时，生成二维码图形并在本地屏幕上进行显示，以供缴费方基于客户端进行扫码识别，得到扫码用户ID信息；
    查找数据库中是否存在与所述扫码用户ID信息匹配的账户；
    当数据库中存在与所述扫码用户ID信息匹配的账户时，得到当前缴费方的个人电子支付账户。
  13. 如权利要求11所述的自助缴费终端，其特征在于，所述处理器还执行以下操作：
    当数据库中不存在匹配的账户时，在本地屏幕上显示提示信息，以供提示缴费方注册个人账户。
  14. 如权利要求12所述的自助缴费终端，其特征在于，所述处理器还执行以下操作：
    当数据库中不存在匹配的账户时，在本地屏幕上显示提示信息，以供提示缴费方注册个人账户。
  15. 如权利要求9所述的自助缴费终端，其特征在于，执行所述将所述现金找零对应的金额充值到所述个人电子支付账户上的操作包括：
    将所述现金找零对应的金额以现金或红包形式发放至所述个人微信、支付宝或其它电子支付账户上。
  16. 如权利要求9所述的自助缴费终端，其特征在于，在执行所述将所述现金找零对应的金额充值到所述个人电子支付账户上的操作之后，所述处理器还执行以下操作：
    在本地屏幕上显示余额充值成功的提示信息。
  17. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储有缴费找零程序，所述缴费找零程序被处理器执行以下操作：
    在自助缴费时，检测当前是否存在现金找零；
    当当前存在现金找零时，通过人体生物验证方式或车牌匹配方式，获取当前缴费方的个人电子支付账户；
    将所述现金找零对应的金额充值到所述个人电子支付账户上，以供所述缴费方以现金形式消费。
  18. 如权利要求17所述的计算机可读存储介质，其特征在于，执行所述在自助缴费时，检测当前是否存在现金找零的操作包括：
    在自助缴费时，接收现金，并累计接收的现金，得到现金总额；
    判断所述现金总额是否大于所述自助缴费的账单金额；
    若是，则存在现金找零。
  19. 如权利要求17所述的计算机可读存储介质，其特征在于，执行所述当当前存在现金找零时，通过人体生物验证或车牌匹配方式，获取当前缴费方的个人电子支付账户的操作包括：
    当当前存在现金找零时，识别缴费方的特征参数，并生成识别信息，其中，所述特征参数包括人脸特征或指纹特征；
    查找数据库中是否存在与所述识别信息匹配的账户或与缴费车牌匹配的账户；
    当数据库中存在与所述识别信息匹配的账户或与缴费车牌匹配的账户时，得到当前缴费方的个人电子支付账户。
  20. 如权利要求17所述的计算机可读存储介质，其特征在于，所述处理器还执行以下操作：
    当当前存在现金找零时，生成二维码图形并在本地屏幕上进行显示，以供缴费方基于客户端进行扫码识别，得到扫码用户ID信息；
    查找数据库中是否存在与所述扫码用户ID信息匹配的账户；
    当数据库中存在与所述扫码用户ID信息匹配的账户时，得到当前缴费方的个人电子支付账户。
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