CN102393943A - Safe handling device and method for telephone bank system - Google Patents
Safe handling device and method for telephone bank system Download PDFInfo
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- CN102393943A CN102393943A CN2011101800941A CN201110180094A CN102393943A CN 102393943 A CN102393943 A CN 102393943A CN 2011101800941 A CN2011101800941 A CN 2011101800941A CN 201110180094 A CN201110180094 A CN 201110180094A CN 102393943 A CN102393943 A CN 102393943A
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Abstract
The invention discloses a safe handling device and a safe handling method for a telephone bank system. The device comprises a transaction control module and a vocal print control module, wherein the transaction control module is used for checking a telephone bank password of a client and calling the vocal print control module according to a type of the transaction of the client; and the vocal print control module is used for acquiring a record of the client, calling a vocal print checking module to check the record of the client, and feeding a checked result of the vocal print checking module back to the transaction control module. Correspondingly, the invention also provides a safe handling method for the telephone bank system. In the safe handling device and the safe handling method, as the transaction control module and the vocal print control module recognize a vocal print of the client who has transaction with a telephone bank, restriction of a physical condition of telephone equipment on safe checking of the telephone bank system is avoided; therefore, the safety and the reliability of telephone bank transaction are improved greatly; and a bank can open telephone bank transaction with higher authority to the client.
Description
Technical field
The present invention relates to the finance data process field, relate in particular to a kind of secure processing device and method that is used for telephone bank system.
Background technology
Telephone bank's self-assisted voice service is that convenient numerous clients handle one of main channel of each item financial business, and financial service in 7 * 24 hours is provided.The client utilizes telephone plant can handle multiple non-cash transaction through telephone bank's self-assisted voice service, for example inquire about, report the loss, Investment & Financing, transfer accounts, business such as credit card refund, this is for the client provides fast, financial service easily.Because the restriction of telephone plant physical condition; The client can only import 0 to 90 numeral on keyboard; Especially when the client need handle higher professional of financial risks; Adopt the numerical ciphers based on the telephone plant physical condition to carry out authentication in the existing telephone bank system, this kind only adopts the means security intensity of verifying based on the digital keys of existing physical condition lower, guesses, eavesdrops to others or revealed by the anti-display function of the button of telephone plant easily.Thereby when adopting telephone bank system to handle higher professional of financial risks for the client, safety problem becomes the bottleneck of limiting telephone banking system business handling, has seriously restricted the development of telephone banking.
Summary of the invention
The invention provides a kind of secure processing device and method that is used for telephone bank system; Through transaction control module and vocal print control module needs being handled the professional client of high financial risks adopts sound-groove model to carry out authentication; Improved the security and the reliability of telephone bank's transaction greatly, be convenient in telephone bank system, open the higher transaction of fund authority to the client.
According to first aspect present invention, a kind of secure processing device that is used for telephone bank system is provided, it is characterized in that said device comprises:
The transaction control module is used for telephone bank's password of verification client, and calls the vocal print control module according to this client's type of transaction and handle with the recording to said client;
The vocal print control module is used to collect said client's recording, calls the vocal print authentication module said client's recording is verified, and the checking result of said vocal print authentication module is fed back to said transaction control module to carry out follow-up telephone bank's transaction.
According to second aspect present invention, a kind of security processing that is used for telephone bank system is provided, said method comprises:
Telephone bank's password of transaction control module verification client, and call the vocal print control module according to said client's type of transaction and handle with the recording to said client;
The vocal print control module is collected said client's recording;
The vocal print control module is called the vocal print authentication module said client's recording is verified, and the checking result of said vocal print authentication module is fed back to said transaction control module to carry out follow-up telephone bank's transaction.
The secure processing device that is used for telephone bank system and the method for embodiment of the present invention; Through transaction control module and vocal print control module the vocal print that carries out that the telephone bank that handles high financial risks concludes the business is verified; Effectively solved safety verification in the telephone bank system has only physical conditions such as digital keys because of customer phone equipment restricted problem; Improve the security and the reliability of telephone bank's transaction greatly, also be convenient to banking institution opens telephone bank's transaction from higher financial risks to the client.
Description of drawings
Fig. 1 is first structural representation according to the secure processing device that is used for telephone bank system of the embodiment of the invention.
Fig. 2 is second structural representation according to the secure processing device that is used for telephone bank system of the embodiment of the invention.
Fig. 3 is the structural representation according to the vocal print authentication module of the secure processing device that is used for telephone bank system of the embodiment of the invention.
Fig. 4 is the schematic flow sheet according to the security processing that is used for telephone bank system of the embodiment of the invention.
Embodiment
For the purpose, technical scheme and the advantage that make embodiments of the invention is clearer, will combine accompanying drawing that the present invention is done to describe in detail further below.
Referring to Fig. 1, Fig. 1 is that the said secure processing device 1 that is used for telephone bank system can comprise according to first structural representation of the secure processing device that is used for telephone bank system of the embodiment of the invention:
Vocal print control module 102; Be used to collect said client's recording; Call 104 couples of said clients' of vocal print authentication module recording and verify, and the checking result of said vocal print authentication module 104 is fed back to said transaction control module 101 to carry out follow-up telephone bank's transaction.
In an embodiment of the present invention; Be used for the telephone bank password of the secure processing device 1 of telephone bank system, and handle according to the recording that the type of transaction that client's needs are handled is called 102 couples of said clients of vocal print control module through transaction control module 101 verification clients.Need to prove; Bank can be provided with the transaction of different financial risks types according to application need; And adopting different codes to represent different transaction, the control module of here concluding the business can be obtained the type of transaction that client's needs are handled according to the transaction code of client's input, if the telephone bank that the client need handle transaction is telephone bank's transaction of high financial risks; The control module of then concluding the business 101 will be called vocal print control module 102 and handle; If the telephone bank that the client need handle transaction is telephone bank's transaction of non-high financial risks, then need not to call the checking processing that vocal print control module 102 is carried out vocal print, directly carry out follow-up telephone bank's transaction.The device of embodiment of the present invention; Handle high financial risks the client and verify processing through sound-groove model when professional; Guarantee the security and the reliability of customer phone bank transaction; And need not the vocal print checking when professional and handle handling non-high financial risks, practiced thrift the transaction processing time, improved the efficient of telephone bank's transaction.
In some other embodiment of the present invention; Transaction control module 101 is after telephone bank's password of verification client; Need also further to judge whether the client has reserved its sound-groove model of back; If this client did not reserve sound-groove model; The control module of then concluding the business 101 is forwarded to manual service with this client's transaction telephone, and the validation of information callers such as withdraw the money password, ID card information and contact method of the person of attending a banquet through this customer account of verification be for behind the client, and vocal print control module 102 is collected clients' recording and called and reserves sound-groove model module 103 and extract the sound-groove model of clients in recording and be stored to database.If this client had reserved sound-groove model, the control module of then concluding the business 101 is called 102 couples of said clients' of vocal print control module recording and is verified processing.Vocal print control module 102 is collected said client's recording; And the recording of calling 104 couples of said clients of vocal print authentication module verifies, and will verify that result's (comprise through checking with not through checking) feeds back to transaction control module 101 and concludes the business to carry out follow-up telephone bank.
Referring to Fig. 2, illustrate second structural representation according to the secure processing device that is used for telephone bank system of the embodiment of the invention, the said secure processing device that is used for telephone bank system also can comprise except comprising functional module shown in Figure 1:
Reserve sound-groove model module 103, be used for extracting the sound-groove model of said client's recording, and said sound-groove model is stored to database.
To extract this client's sound-groove model, the said sound-groove model that will extract then is stored to database to reservation sound-groove model module 103 through the sound characteristic in the recording of training said client.It is pointed out that at this those skilled in the art can select the algorithm of extraction sound-groove model known in the art to carry out the training of sound characteristic and the extraction of sound-groove model according to the needs of application conditions.
In an embodiment of the present invention; Transaction control module 101 is after judging that said client had reserved sound-groove model; To call vocal print control module 102 prompting clients answers a question; Collect the recording of answering a question in the transaction of this telephone banking of client then, and said recording of answering a question is delivered to vocal print authentication module 104 verifies with the recording that said client is answered a question.
Referring to Fig. 3, illustrate structural representation according to the vocal print authentication module of the secure processing device that is used for telephone bank system of the embodiment of the invention, said vocal print authentication module 104 specifically can comprise:
Extraction unit 1041 is used for extracting the sound-groove model of said client's recording;
Matching unit 1042; The sound-groove model that is used for extraction unit is extracted matees to obtain mating score value with this client's that database is stored sound-groove model, if said coupling score value surpasses preset matching threshold, then for through verifying; If do not surpass, then for not passing through checking;
The checking result returns unit 1043, is used for the checking result of said matching unit is sent to vocal print control module 102.
Need to prove at this; After mating, matching unit 1042 will extract the said client who stores in the sound-groove model that obtains and the database in client's recording from the transaction of this telephone banking sound-groove model obtains mating score value; If the coupling score value that obtains surpasses preset matching threshold; Then be through checking, if the coupling score value that obtains surpasses preset matching threshold, then for not passing through checking.It is worthy of note that those skilled in the art can confirm voice print matching corresponding matched threshold value according to concrete sound-groove model characteristic and actual physics conditional parameter.
In an embodiment of the present invention; Checking result in the vocal print authentication module 104 returns unit 1043 after the checking result that matching unit 1042 processing are obtained is sent to vocal print control module 102; Vocal print control module 102 feeds back to transaction control module 101 with said checking result; If said checking result is through checking, then point out the client can carry out follow-up telephone bank's transaction, if said checking result is not for passing through checking; Then point out the client because it is not verified through vocal print, thereby can not carry out follow-up telephone bank's transaction.
Combine concrete embodiment to set forth the structure that is used for the secure processing device of telephone bank system of the present invention above, will combine concrete embodiment to set forth application below and have the method that the secure processing device of said structure carries out the telephone bank system safe handling.
Referring to Fig. 4, illustrate schematic flow sheet according to the security processing that is used for telephone bank system of the embodiment of the invention, said method specifically can comprise:
S101, telephone bank's password of transaction control module verification client, and call the vocal print control module according to said client's type of transaction and handle with the recording to said client;
S102, the vocal print control module is collected said client's recording;
S103, the vocal print control module is called the vocal print authentication module said client's recording is verified, and the checking result of said vocal print authentication module is fed back to said transaction control module to carry out follow-up telephone bank's transaction.
In an embodiment of the present invention; In step S101 after telephone bank's password of transaction control module verification client; Can also judge further whether said client had reserved sound-groove model,, then collect client's recording through the vocal print control module if this client did not reserve sound-groove model; The vocal print control module is called the sound-groove model that reservation sound-groove model module is reserved said client after collecting completion; If reserved sound-groove model, the type of transaction of then handling according to client's needs is called the vocal print control module this client's recording is handled, and the sound-groove model of wherein reserving said client specifically can comprise the steps:
Extract the sound-groove model in said client's the recording, and said sound-groove model is stored to database.
Reserving the sound-groove model module in the embodiments of the invention adopts the means of training voice of customers characteristic to carry out the extraction of sound-groove model.It is pointed out that those skilled in the art can adopt sound-groove model extractive technique well known in the art to carry out the extraction of sound-groove model according to the needs of using.
The step that the vocal print authentication module is verified client's recording among the step S103 can comprise:
Extract the sound-groove model in said client's the recording;
This client's who stores in the sound-groove model of said extraction and the database sound-groove model is mated to obtain mating score value, if the coupling score value surpasses preset matching threshold, then for through checking, if do not surpass, then for not through verifying;
Said checking result is sent to the vocal print control module.
In an embodiment of the present invention; The vocal print authentication module will be after will verifying that the result is sent to the vocal print control module; The vocal print control module will verify that the result feeds back to the transaction control module to determine whether handling follow-up telephone banking for said client; If said checking result is through checking, then point out the client can carry out follow-up telephone bank's transaction, if said checking result is not for passing through checking; Then point out the client to verify, and can't carry out handling of follow-up telephone bank's transaction because of passing through vocal print.
In sum; Secure processing device that is used for telephone bank system and method through embodiment of the present invention; The client who needs is handled high financial risks through transaction control module and vocal print control module adopts sound-groove model to discern; Overcome the restriction of telephone plant physical condition in the telephone bank system, improved the security and the reliability of telephone bank's transaction greatly, also be convenient to bank and open the higher telephone bank's transaction of authority to the client.
Through the description of above embodiment, those skilled in the art can be well understood to the present invention and can realize by the mode of software combined with hardware platform, can certainly all implement through hardware.Based on such understanding; All or part of can the coming out that technical scheme of the present invention contributes to background technology with the embodied of software product; This computer software product can be stored in the storage medium, like ROM/RAM, magnetic disc, CD etc., comprises that some instructions are with so that a computer equipment (can be a personal computer; Server, the perhaps network equipment etc.) carry out the described method of some part of each embodiment of the present invention or embodiment.
More than disclosedly be merely a kind of preferred embodiment of the present invention, can not limit the present invention's interest field certainly with this, the equivalent variations of therefore doing according to claim of the present invention still belongs to the scope that the present invention is contained.
Claims (7)
1. a secure processing device that is used for telephone bank system is characterized in that, said device comprises:
The transaction control module is used for telephone bank's password of verification client, and calls the vocal print control module according to this client's type of transaction and handle with the recording to said client;
The vocal print control module is used to collect said client's recording, calls the vocal print authentication module said client's recording is verified, and the checking result of said vocal print authentication module is fed back to said transaction control module to carry out follow-up telephone bank's transaction.
2. device as claimed in claim 1 is characterized in that, said device also comprises:
Reserve the sound-groove model module, be used for extracting the sound-groove model of said client's recording, and said sound-groove model is stored to database.
3. device as claimed in claim 2 is characterized in that, said vocal print authentication module comprises:
Extraction unit is used for extracting the sound-groove model of said client's recording;
Matching unit; The sound-groove model that is used for extraction unit is extracted matees to obtain mating score value with this client's that database is stored sound-groove model, if said coupling score value surpasses preset matching threshold, then for through verifying; If do not surpass, then for not passing through checking;
The checking result returns the unit, is used for the checking result of said matching unit is sent to the vocal print control module.
4. a security processing that is used for telephone bank system is characterized in that, said method comprises:
Telephone bank's password of transaction control module verification client, and call the vocal print control module according to said client's type of transaction and handle with the recording to said client;
The vocal print control module is collected said client's recording;
The vocal print control module is called the vocal print authentication module said client's recording is verified, and the checking result of said vocal print authentication module is fed back to said transaction control module to carry out follow-up telephone bank's transaction.
5. method as claimed in claim 4 is characterized in that, said method also comprises:
The transaction control module judges whether said client had reserved sound-groove model behind telephone bank's password of verification client,
If not, then call the recording that the vocal print control module is collected said client, the vocal print control module was called and is reserved the sound-groove model that the sound-groove model module is reserved said client after recording was collected and accomplished,
If then call the vocal print control module and handle with recording to said client according to said client's type of transaction.
6. method as claimed in claim 5 is characterized in that, the said client's of said reservation sound-groove model specifically comprises:
Extract the sound-groove model in said client's the recording, and said sound-groove model is stored to database.
7. method as claimed in claim 6 is characterized in that, the step that said vocal print authentication module is verified said client's recording comprises:
Extract the sound-groove model in said client's the recording;
This client's who stores in the sound-groove model of said extraction and the database sound-groove model is mated to obtain mating score value, if the coupling score value surpasses preset matching threshold, then for through checking, if do not surpass, then for not through verifying;
Said checking result is sent to the vocal print control module.
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| Application Number | Priority Date | Filing Date | Title |
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| CN2011101800941A CN102393943A (en) | 2011-06-27 | 2011-06-27 | Safe handling device and method for telephone bank system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2011101800941A CN102393943A (en) | 2011-06-27 | 2011-06-27 | Safe handling device and method for telephone bank system |
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| CN102393943A true CN102393943A (en) | 2012-03-28 |
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| CN2011101800941A Pending CN102393943A (en) | 2011-06-27 | 2011-06-27 | Safe handling device and method for telephone bank system |
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| CN104348621A (en) * | 2013-08-02 | 2015-02-11 | 成都林海电子有限责任公司 | Authentication system based on voiceprint recognition and method thereof |
| CN104392723A (en) * | 2014-12-03 | 2015-03-04 | 厦门大学 | Sharing instrument platform management method based on voiceprint recognition technology |
| CN109510806A (en) * | 2017-09-15 | 2019-03-22 | 阿里巴巴集团控股有限公司 | Method for authenticating and device |
| CN111131635A (en) * | 2019-12-20 | 2020-05-08 | 中国银行股份有限公司 | Voice confirmation method and device for data request |
| CN111199742A (en) * | 2018-11-20 | 2020-05-26 | 阿里巴巴集团控股有限公司 | Identity verification method and device and computing equipment |
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Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104348621A (en) * | 2013-08-02 | 2015-02-11 | 成都林海电子有限责任公司 | Authentication system based on voiceprint recognition and method thereof |
| CN104392723A (en) * | 2014-12-03 | 2015-03-04 | 厦门大学 | Sharing instrument platform management method based on voiceprint recognition technology |
| CN109510806A (en) * | 2017-09-15 | 2019-03-22 | 阿里巴巴集团控股有限公司 | Method for authenticating and device |
| CN109510806B (en) * | 2017-09-15 | 2021-12-24 | 创新先进技术有限公司 | Authentication method and device |
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| CN111131635A (en) * | 2019-12-20 | 2020-05-08 | 中国银行股份有限公司 | Voice confirmation method and device for data request |
| CN111131635B (en) * | 2019-12-20 | 2020-11-10 | 中国银行股份有限公司 | Voice confirmation method and device for data request |
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Application publication date: 20120328 |