CN107194698A - A kind of intelligent payment method and system - Google Patents
A kind of intelligent payment method and system Download PDFInfo
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- CN107194698A CN107194698A CN201710350794.8A CN201710350794A CN107194698A CN 107194698 A CN107194698 A CN 107194698A CN 201710350794 A CN201710350794 A CN 201710350794A CN 107194698 A CN107194698 A CN 107194698A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
Technical solution of the present invention, utilize the uniqueness and non-reproduction of biological characteristic, determine that user identity retrieves user account by the use of non-single creature feature as biometric identity means of identification, verbal instructions confirm that bill could complete transaction simultaneously, so user is caused not only to depart from medium, solve because of the objective not convenient property of medium, for example many brushes of brush are stolen for brush lose individual subscriber account safety hidden danger and crime risk that medium is caused, simultaneously in process of exchange, voice determines the sense of security during the increase user's use of this link, and avoid or reduce the incidence of transaction errors, after closing the transaction, form transaction record storage and arrive personal information cloud storehouse, user is facilitated to inquire about.
Description
Technical field
The present invention relates to technical field of information processing, specifically, more particularly to one kind is based on biological information and language
Intelligent payment system and method that sound password is engaged.
Background technology
Most universal most traditional form is paper money transaction and the pose machines Unionpay popularized in recent years in money flow form
Swipe the card pattern, but conventional currency circulation pattern drawback is excessive, and such as cash is lost and can not given for change, and card password is easy to crack stolen wind
Danger is big, in order that money flow is convenient and merchandises safer, more software developments go out the app such as online payment programs and business,
The problem of attempting to break away from card class and cash transaction drawback, but still can not break away from the drawbacks of medium is present and simple and crude password, and
And the Payment System of the single authentication breaking techniques of hardly possible control, therefore difficulty meets user's assets to the payment mode of existing monotechnics
Usage experience and the demand using sense of security lifting that protection and technology are brought.Meanwhile, the progress of technology therewith, single creature skill
Art feature is used as simultaneously to be had been directed to individual privacy protection and human rights issue be difficult to solve for authentication means and evidence for payment
Certainly and protection the problem of.
The content of the invention
The present invention is in view of the above circumstances there is provided a kind of intelligent payment method and system that can be solved the above problems, and it is special
Levy and be the described method comprises the following steps：
(11) gather user profile, the user profile of collection include can only table levy user identity biological information and
The instruction password information and verification audio-frequency information of user；
(12) characteristic vector of user profile is extracted, and is stored in User Information Database；
(13) during customer transaction, collection energy only table levies the biological information of user identity from user；
(14) biological information and user profile data of user identity are levied with the energy only table of collection in step (13)
Biological information in storehouse matches, if retrieving match information, carries out step (15), otherwise, carries out step (13), if
Match for continuous more than 2 times unsuccessful, then lock an account；
(15) corresponding payment technical field is arrived in retrieval verification；
(16) verbal instructions confirmation is carried out after confirmation, step (17) is carried out if verbal instructions confirm successfully, otherwise
Step (13) is carried out, if the confirmation of continuous more than 2 times verbal instructions is unsuccessful, is locked an account；
(17) after verbal instructions confirm successfully, transfer items automatically, and generation store transaction is detailed simultaneously.
Further, the user profile also includes service class and/or financial category information.
Further, the service class and/or financial category information at least include a kind of following information：Medical information, insurance
Information, life payment information, financing information, public trip information.
Further, the characteristic vector of the user profile includes the biological information that energy only table levies user identity
And the instruction password information of user and verification audio-frequency information.
Further, the biological information that the energy only table levies user identity includes iris information, finger print information, 3D
Finger print information, face feature information, infrared temperature spectrogram information, palmmprint induction information gait induction information, vein induction information refers to
Line and palmmprint pulse induction information.
Further, user profile is deposited in the form of number consumption information cloud storehouse in User Information Database
Put.
Further, the progress verbal instructions confirm to include carrying out instruction password retrieval matching and verification Audio Matching.
Further, user profile also includes generation store transaction detail, generation bill and transaction record and stored to arrive
The number consumption information cloud storehouse of corresponding payment technical field.
The present invention also provides a kind of intelligent payment system, it is characterised in that the system includes：
User profile acquisition module (81), the user profile of user profile acquisition module collection includes can only table requisition
The biological information of family identity and the instruction password information of user and verification audio-frequency information；
Characteristic vector pickup module (82), for extracting the characteristic vector of user profile, and is stored in user profile data
In storehouse；
User profile matching module (83), during for customer transaction, collection energy only table levies user identity from user
Biological information and match with the biological information in User Information Database；
Verbal instructions confirm module (84), for user profile after the match is successful, and corresponding payment technical field is arrived in retrieval verification,
Verbal instructions confirmation is carried out after confirmation；
Transfer accounts and transaction details memory module (85), after confirming successfully for verbal instructions, transfer items automatically, and generate simultaneously
Store transaction is detailed；
Further, the user profile of the user profile acquisition module collection also includes also including service class and/or gold
Melt category information.
Further, the service class and/or financial category information at least include a kind of following information：Medical information, insurance
Information, life payment information, financing information, public trip information.
Further, the characteristic vector that the characteristic vector pickup module is extracted includes energy only table and levies user identity
The instruction password information and verification audio-frequency information of biological information and user.
Further, the energy only table of the user profile acquisition module collection levies the biological information of user identity
Including iris information, finger print information, 3D finger print informations, face feature information, infrared temperature spectrogram information, gait induction information, the palm
Line characteristic information, vein induction information, fingerprint and palmmprint pulse induction information, phonetic order password information and verification audio-frequency information
Deng.
Further, the user profile of the user profile acquisition module collection is with user in User Information Database
The form storage in digital consumer information cloud storehouse.
Further, the verbal instructions confirm that the verbal instructions that module is carried out confirm to include carrying out instruction password retrieval
Match somebody with somebody and verify Audio Matching.
Further, described transfer accounts includes generation bill and transaction with the transaction details generated in transaction details memory module
Record and the transaction details are stored into the number consumption information cloud storehouse to corresponding payment technical field.
The effect of invention：
Using technical scheme, it is various it is similar steal brush lose forget etc. because of extraneous medium built-in problem and
The security or convenient sex chromosome mosaicism caused due to monotechnics can obtain unified solution.Including trailing, stealing brush, branch is decoded
Pay the information-based means of payment at initial stage such as treasured the potential safety hazard caused the problem of presence such as change so far can without any monotechnics
Evaded, this programme determines that user identity retrieves user account using the uniqueness and non-reproduction of biological characteristic, together
When verbal instructions confirm that bill could complete transaction, such user can not only depart from medium, solve objective not convenient because of medium
Property, for example stealing many brushes of brush for brush loses individual subscriber account safety hidden danger and crime risk that medium is caused, while merchandising
Cheng Zhong, voice determines the sense of security during the increase user's use of this link, and avoids or reduce the incidence of transaction errors,
When due to voice confirm use independence, can solve to be used by the nonautonomy that biological information capturing technology progress is caused
The hidden danger of (usurping seizure), the human rights issue at the same time revealing or usurping initiation by personal biological information is able to ensure reconciliation
Certainly, after closing the transaction, form transaction record storage and arrive personal information cloud storehouse, facilitate user to inquire about, it is very clear.Simultaneously for electricity
Letter and it is various swindle effective containment has been carried out from root and motivation, even if swindle successfully for funds flow account lock from
And still having mark to follow incessantly can also make commission of a crime person can not normally use account, at the same lockable freeze the fund and from
Criminal offence implementer can easily confirm to chase in the administration of justice.At the same time, currency is made from the information-based preliminary change such as Alipay, wechat
Direct span is removed from office to present to the situation of digitlization currency.
Brief description of the drawings
Fig. 1 is the flow chart of the present invention.
Fig. 2 is the system module figure of the present invention.
Embodiment
In order that those skilled in the art is better understood from the present invention, the present invention is made with implementation below in conjunction with the accompanying drawings
It is described in further detail.
Referring to Fig. 1, Fig. 1 is a kind of intelligent payment method flow chart disclosed by the invention, methods described includes following step
Suddenly：
Step 11:User profile is gathered, the user profile of collection includes the biological characteristic letter that energy only table levies user identity
Breath and the instruction password information and verification audio-frequency information of user, in addition, the user profile of collection also include bank account and believed
The information related to user such as breath, personal information, medical information, insurance information, life payment and consumption information, financing information
(public affairs being included with reconciliation, remittance is paid taxes, the currency contact such as loan information).
Step 12:User profile characteristic vector is extracted, the user profile gathered according to step 11, therefrom extracting to characterize
The characteristic information of user personality levies the biological characteristic of user identity including energy only table as the characteristic vector of user profile
Information and the instruction password information of user and verification audio-frequency information, described biological information can be iris information, refer to
Line information, 3D finger print informations, face feature information, infrared temperature spectrogram information, palmmprint induction information gait induction information, vein sense
Answer information, the biological information such as fingerprint and palmmprint pulse induction information.
It should be strongly noted that the user profile that above-mentioned steps 11 and step 12 are gathered and the user profile extracted are special
Levy vector to be stored in database, and different modules are set up according to the payment technical field of user in database, for example, set up doctor
The modules such as treatment, life, insurance, payment.Above-mentioned database can be placed on the backstage of bank or be placed on high in the clouds, so as to set up user
Individual digital information cloud.
Step 13:When user is traded, collection energy only table levies the biological information of user identity in real time.
Step 14:The energy only table that step 13 is collected in real time levy the biological information of user identity and step 11 and
The corresponding biological information that user stores in step 12 database is matched, and step 15 is carried out if the match is successful, no
Step 13 is then carried out, if matching for continuous more than 2 times unsuccessful, is locked an account.
Step 15:Corresponding payment technical field is arrived in the type being traded according to this user, retrieval verification, for example, this time use
Family will carry out insurance and pay or inquire about, then retrieves the insurance module of the user, and checked.
Step 16：Verbal instructions confirmation is carried out, the verbal instructions of collection user in real time and audio letter are needed in this step
Breath, then carries out retrieval with the user speech password and audio-frequency information stored in step 11 and step 12 database and matches, if
The match is successful then carries out step 17, otherwise proceeds step 16, if matching for continuous more than 2 times unsuccessful, locks an account.
Step 17:Operated according to the instruction of user, operation completes then to transfer items automatically, and generate the transaction of user simultaneously
Detail, and be stored in the respective pay field module of user, when user carries out the transaction in this field next time, looked into for user
Ask.
Referring to Fig. 2, based on a kind of intelligent payment method disclosed in the invention described above, corresponding disclosure of the invention is come a kind of
Intelligent payment system, the system includes：
User profile acquisition module 81, for gathering user profile, the user profile of collection includes can only table requisition family
The biological information of identity and the instruction password information of user and verification audio-frequency information, in addition, the user profile of collection
Also include bank account information, personal information, medical information, insurance information, life payment information, financing information etc. and user's phase
The service class of pass or financial category information.
In addition, this information acquisition module is when user is traded, the energy only table requisition for gathering user in real time
The biological information of family identity and the verbal instructions of user and audio-frequency information.
Characteristic vector pickup module 82, for the user profile gathered according to user profile acquisition module 81, is therefrom extracted
Go out the characteristic vector that can characterize the characteristic information of user personality as user profile, user identity is levied including energy only table
The instruction password information and verification audio-frequency information of biological information and user, described biological information can be iris
The other biological identification informations such as information, fingerprint, facial characteristics, infrared thermogram, gait feature, vein.
It should be strongly noted that the user that above-mentioned user profile acquisition module 81 and characteristic vector pickup module 12 are gathered
Information and the user profile characteristic vector extracted are stored in database, and are set up in database according to the payment technical field of user
Different modules, all modules with money-form negotiation such as setting up medical treatment, life, insurance, payment.Above-mentioned number
The backstage of bank can be placed on according to storehouse or high in the clouds is placed on, so as to set up the individual digital information cloud of user.
Biometric information matches and retrieval verification module, for when user is traded, being gathered according to user profile
The collection in real time of module 81 can only table levy the biological information of user in the biological information and database of user identity and enter
Row matching.Corresponding payment technical field is arrived in the type being traded if the match is successful according to this user, retrieval verification, for example
This user will carry out insurance and pay or inquire about, then retrieves the insurance module of the user, and checked.
Verbal instructions confirm module, for the user speech password and sound gathered in real time according to user profile acquisition module 81
The user speech password and audio-frequency information stored in frequency information and date storehouse carries out retrieval matching.
Transfer accounts and transaction details memory module, operated for the phonetic order according to user, operation completes then automatic
Transfer items, and generate the transaction details of user simultaneously, and be stored in the respective pay field module of user, treat user's progress next time
During the transaction in this field, inquired about for user.
The intelligent payment method and system of the present invention so that various similar brushes of stealing lose forgetting etc. because extraneous medium is deposited in itself
The problem of and the security or convenient sex chromosome mosaicism that are caused due to monotechnics can obtain unified solution.Including trailing,
Steal and brush, the potential safety hazard that the problem of information-based means of payment at initial stage change such as decoding Alipay etc. is present is caused is so far without any list
One technology can be evaded, and this programme determines that user identity retrieves use using the uniqueness and non-reproduction of biological characteristic
Family account, while verbal instructions confirm that bill could complete transaction, such user can not only depart from medium, solve because of the visitor of medium
Not convenient property is seen, for example, steals many brushes of brush for brush and loses individual subscriber account safety hidden danger and crime risk that medium is caused, simultaneously
In process of exchange, voice determines the sense of security during the increase user's use of this link, and avoids or reduce transaction errors
Incidence, simultaneously because voice confirm use independence, can solve by biological information capturing technology progress cause it is non-
Independence uses the hidden danger of (usurping seizure), and the human rights issue at the same time revealing or usurping initiation by personal biological information is obtained
To ensure and solve, after closing the transaction, form transaction record storage and arrive personal information cloud storehouse, facilitate user to inquire about, it is very clear.
Present invention can apply to following field：
It is personal：Medical insurance is paid the fees, and personal consumption is with payment (including property, coal water, electricity and gas, parking stall, on entertaining for example
The ticketing services such as film ticket, lottery ticket, game is supplemented with money, and app is supplemented with money or the consumption such as app membership buyings, on line app it is domestic and overseas sea wash in a pan or
Solid shop/brick and mortar store is done shopping under line, consulting, public transport, taxi, subway, aircraft, and train shares bicycle and motor vehicle lease and private savings parking stall
With public parking stall using etc. the expense of public transport pay, the delay penalty such as traffic fine is paid, housing loan, personal loan
Use and refund with the binding of personal credit card, individual is transferred accounts, and travel products and hotel are paid a bill, and tuition fee is paid, and insurance reserve fund is paid
Receive) the silver card of security and futures exchange mutually turns, all items and can be by the bank service of currency of can merchandising such as charitable donation.
To public affairs：Enterprise remits money, and reconciliation and the expenses of taxation pay, business loan etc. all circulated by currency or with money-form
Service item
Described above is only the preferred embodiment of the present invention, it is noted that for the ordinary skill people of the art
For member, under the premise without departing from the principles of the invention, some improvements and modifications can also be made, these improvements and modifications also should
It is considered as protection scope of the present invention.Although in addition, having used some specific terms in this specification, these terms are only
For convenience of explanation, any limitation is not constituted to the present invention.
Claims (12)
1. a kind of intelligent payment method, it is characterised in that methods described is applied to intelligent payment system, methods described includes following
Step：
(11) user profile is gathered, the user profile of collection includes biological information and user that energy only table levies user identity
Instruction password information and verification audio-frequency information；
(12) characteristic vector of user profile is extracted, and is stored in User Information Database；
(13) during customer transaction, collection energy only table levies the biological information of user identity from user；
(14) levied with the energy only table of collection in step (13) in the biological information and User Information Database of user identity
Biological information match, if retrieving match information, carry out step (15), otherwise, carry out step (13), if continuously
Match for more than 2 times unsuccessful, then lock an account；
(15) corresponding payment technical field is arrived in retrieval verification；
(16) verbal instructions confirmation is carried out after confirmation, step (17) is carried out if verbal instructions confirm successfully, is otherwise carried out
Step (13), if the confirmation of continuous more than 2 times verbal instructions is unsuccessful, locks an account；
(17) after verbal instructions confirm successfully, transfer items automatically, and generation store transaction is detailed simultaneously.
2. method according to claim 1, it is characterised in that：The user profile also includes service class and/or financial class letter
Breath.Preferably, the service class and/or financial category information at least include a kind of following information：Medical information, insurance information, life
Payment information living, financing information, public trip information.Preferably, user profile also includes generation store transaction detail, generates account
List and transaction record.
3. method according to claim 1, it is characterised in that：The characteristic vector of the user profile, which includes, uniquely to be characterized
The biological information of user identity and the instruction password information of user and verification audio-frequency information.Preferably, the energy is unique
Characterizing the biological information of user identity includes iris information, and finger print information, 3D finger print informations, face feature information is infrared
Thermogram information, palmmprint induction information gait induction information, vein induction information, fingerprint and palmmprint pulse induction information.
4. method according to claim 1, it is characterised in that：User profile is with number in User Information Database
The form storage in consumption information cloud storehouse.
5. method according to claim 1, it is characterised in that：The progress verbal instructions confirm to include carrying out instruction password inspection
Rope is matched and verification Audio Matching.
6. a kind of intelligent payment system, it is characterised in that the system includes：
User profile acquisition module (81), the user profile of user profile acquisition module collection includes can only table requisition family body
The biological information of part and the instruction password information of user and verification audio-frequency information；
Characteristic vector pickup module (82), for extracting the characteristic vector of user profile, and is stored in User Information Database；
User profile matching module (83), during for customer transaction, collection energy only table levies the life of user identity from user
Thing characteristic information simultaneously matches with the biological information in User Information Database；
Verbal instructions confirm module (84), for user profile after the match is successful, and corresponding payment technical field, verification are arrived in retrieval verification
Verbal instructions confirmation is carried out after errorless；
Transfer accounts and transaction details memory module (85), after confirming successfully for verbal instructions, transfer items automatically, and generation storage simultaneously
Transaction details.
7. system according to claim 6, it is characterised in that：The user profile of the user profile acquisition module collection is also wrapped
Include service class and/or financial category information.Preferably, the service class and/or financial category information at least include a kind of following information：
Medical information, insurance information, life payment information, financing information, public trip information.Preferably, the user profile is also wrapped
Include.
8. system according to claim 6, it is characterised in that：The characteristic vector that the characteristic vector pickup module is extracted is included
There is energy only table to levy the biological information of user identity and the instruction password information of user and verification audio-frequency information.
9. system according to claim 6, it is characterised in that：What the described user profile acquisition module was gathered can uniquely characterize
The biological information of user identity includes iris information, finger print information, 3D finger print informations, face feature information, infrared temperature spectrum
Figure information, gait induction information, palm print characteristics information, vein induction information, fingerprint and palmmprint pulse induction information, phonetic order
Password information and verification audio-frequency information etc..
10. system according to claim 6, it is characterised in that：The user profile of the user profile acquisition module collection exists
It is to be deposited in the form of number consumption information cloud storehouse in User Information Database.
11. system according to claim 6, it is characterised in that：The verbal instructions confirm that the verbal instructions that module is carried out are true
Recognize including carrying out instruction password retrieval matching and verification Audio Matching.
12. system according to claim 6, it is characterised in that：The friendship transferred accounts and generated in transaction details memory module
It is easily detailed to include generation bill and transaction record and the number that the transaction details are stored to corresponding payment technical field disappears
Charge information cloud storehouse.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710350794.8A CN107194698A (en) | 2017-05-18 | 2017-05-18 | A kind of intelligent payment method and system |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710350794.8A CN107194698A (en) | 2017-05-18 | 2017-05-18 | A kind of intelligent payment method and system |
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| CN107194698A true CN107194698A (en) | 2017-09-22 |
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ID=59873939
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| CN201710350794.8A Pending CN107194698A (en) | 2017-05-18 | 2017-05-18 | A kind of intelligent payment method and system |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107886330A (en) * | 2017-11-28 | 2018-04-06 | 北京旷视科技有限公司 | Settlement method, apparatus and system |
| CN109359982A (en) * | 2018-09-02 | 2019-02-19 | 珠海横琴现联盛科技发展有限公司 | In conjunction with the payment information confirmation method of face and Application on Voiceprint Recognition |
| CN110046898A (en) * | 2018-01-17 | 2019-07-23 | 北京君林科技股份有限公司 | Group technology, device and the method for payment of account information, device |
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| CN103955825A (en) * | 2014-05-21 | 2014-07-30 | 深圳数字电视国家工程实验室股份有限公司 | Electronic payment method and device and digital television |
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| EP1515267A2 (en) * | 2001-03-01 | 2005-03-16 | NTT Data Technology Corporation | Method and system for individual authentication and digital signature utilizing article having DNA based ID information mark |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107886330A (en) * | 2017-11-28 | 2018-04-06 | 北京旷视科技有限公司 | Settlement method, apparatus and system |
| CN110046898A (en) * | 2018-01-17 | 2019-07-23 | 北京君林科技股份有限公司 | Group technology, device and the method for payment of account information, device |
| WO2019141039A1 (en) * | 2018-01-17 | 2019-07-25 | 北京君林科技股份有限公司 | Account information grouping method and apparatus and payment method and device |
| CN110046898B (en) * | 2018-01-17 | 2022-01-25 | 苏州君林智能科技有限公司 | Account information grouping method and device and payment method and device |
| CN109359982A (en) * | 2018-09-02 | 2019-02-19 | 珠海横琴现联盛科技发展有限公司 | In conjunction with the payment information confirmation method of face and Application on Voiceprint Recognition |
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Application publication date: 20170922 |
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