CN109146501A - A kind of method, terminal and the computer readable storage medium of voice encryption payment - Google Patents
A kind of method, terminal and the computer readable storage medium of voice encryption payment Download PDFInfo
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- CN109146501A CN109146501A CN201811131186.9A CN201811131186A CN109146501A CN 109146501 A CN109146501 A CN 109146501A CN 201811131186 A CN201811131186 A CN 201811131186A CN 109146501 A CN109146501 A CN 109146501A
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- Prior art keywords
- payment
- terminal
- disburser
- information
- voice
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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
-
- 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
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
Abstract
The invention discloses method, terminal and the computer readable storage mediums of a kind of payment of voice encryption, belong to payment transaction information process field.This method comprises the following steps: acquiring the voice messaging of disburser；Payment characteristic information is added in the voice messaging of the disburser of acquisition；The voice messaging for being superimposed with the disburser of payment characteristic information is sent to second terminal as payment information, so that the second terminal obtains the payment result that Operation Server is fed back according to the payment information；Receive the payment result that the second terminal returns；Show the payment result in the image display interfaces of the first terminal.The present invention have the advantages that only need to carry out voice input can mobile payment.
Description
Technical field
The present invention relates to payment transaction information process fields, input and can move more particularly, to a kind of voice that need to only carry out
Method, terminal and the computer readable storage medium of the voice encryption payment of dynamic payment.
Background technique
In recent years, with the rapid development of mobile communication technology, various mobile terminal devices, such as mobile phone, tablet computer
Have become essential electric terminal for people's lives.With the fast development of intelligent terminal, answered to adapt to the various of people
, has there is the double-screen intelligent equipment of such as Dual-band Handy Phone now in experience, and double-screen intelligent equipment refers to while there are two gathering around
The smart machine of screen, i.e. user can according to need to be operated on two screens respectively, to meet the difference of user
Demand for experience.
And with the arrival of network economy and a networked society epoch, the finance and electronic commerce context in China are increasingly dependent on
Network.With the rapid development of technology of Internet of things and mobile communication technology, two dimensional code pays the main force as mobile payment, with
It by means of fashion, convenient and fast customer experience, is widely popularized in payment technical field, the growth of number of users is very quick, rapidly
It has been dissolved into society and people's daily life on ground.But there are some inconvenience using the mode scanned the two-dimensional code: 1. operation steps
It is rapid more: to open camera, scan the two-dimensional code, input payment amount, input password authentification；2. camera is needed to support: for
Double-sided screen (wherein comprising comprehensive screen without camera), when not having camera on the screen used, needs to overturn screen
It just can be carried out barcode scanning payment to the one side for having camera.
Summary of the invention
In view of this, it is an object of that present invention to provide it is a kind of need to only carry out voice input can the voice of mobile payment add
Method, equipment and the computer readable storage medium of close payment are paid using scanning the two-dimensional code in the prior art with overcoming
Inconvenient technical problem.
According to an aspect of an embodiment of the present invention, a kind of method of voice encryption payment provided is applied to first eventually
The method at end, the voice encryption payment includes: the voice messaging for acquiring disburser；Payment characteristic information is added to acquisition
In the voice messaging of the disburser；The voice messaging for being superimposed with the disburser of payment characteristic information is sent as payment information
To second terminal, so that the second terminal obtains the payment result that Operation Server is fed back according to the payment information；It receives
The payment result that the second terminal returns；Show the payment result in the image display interfaces of the first terminal.
Optionally, whether after the voice messaging of acquisition disburser, identifying has payment information and amount of money letter in voice messaging
Breath, if any, then by it is described payment characteristic information be added to acquisition disburser voice messaging in.
It optionally, include the payment cipher of disburser's input in the payment characteristic information.
Optionally, after the voice messaging of acquisition disburser, the method for the voice encryption payment further comprises the steps of: defeated
Suggestion voice out prompts the payment amount paid in disburser's voice messaging.
According to an aspect of an embodiment of the present invention, a kind of method of voice encryption payment provided is applied to second eventually
End, the method for the voice encryption payment include: the first payment information for receiving first terminal and sending, wherein described first
The voice messaging that information includes the disburser of first terminal is paid, and first payment information is also superimposed with the payment of first terminal
Characteristic information；The gathering characteristic information of the second terminal is added in first payment information, the second disbursement letter is formed
Breath；Second payment information is sent to carrier server and receives the payment result that the carrier server returns；
Show the payment result in the image display interfaces of the second terminal.
According to an aspect of an embodiment of the present invention, a kind of method of voice encryption payment provided, is applied to operator
Server, the method for the voice encryption payment include: the payment information for receiving the second terminal and sending；According to described second
The payment information that terminal is sent is compared with the payment information prestored and judges payment result；The payment result is distinguished anti-
It feeds the first terminal and the second terminal.
Optionally, the payment information that the second terminal is sent includes the voice messaging of the disburser of first terminal, first
The payment characteristic information of terminal and the gathering characteristic information of second terminal, the voice messaging of the disburser of the first terminal include
The voiceprint of the disburser of first terminal, the payment characteristic information of first terminal include the payment cipher of disburser's input, institute
State second terminal gathering characteristic information include at least collecting account, it is described according to the second terminal send payment information with
The step of payment information prestored is compared includes: to search in the carrier server to prestore by the voiceprint
The payment accounts of the disburser and corresponding payment cipher；By the payment cipher of disburser's input in the payment characteristic information
It is compared with the payment cipher prestored in the carrier server；When comparison result matching, then success is paid, it will be described
The amount of money of first terminal user payment is transferred to the collecting account；When comparison result mismatches, then failure is paid.
Optionally, the step that the payment information sent according to the second terminal is compared with the payment information prestored
Suddenly further include: when comparison result matching, judge whether the remaining sum for the payment account that disburser prestores is greater than institute in voice messaging
The amount of money for including；If the remaining sum of payment account is greater than the amount of money included in voice messaging, carrier server is by voice messaging
Included in the amount of money collecting account is transferred to by the payment account that disburser prestores, and return and pay successful information,
Otherwise the information of payment failure is returned.
Another aspect according to an embodiment of the present invention, a kind of first terminal provided, which is characterized in that described first eventually
End includes: the voice encryption payment that memory, processor and being stored in can be run on the memory and on the processor
The step of program, the voice encryption payment realizes the method that above-mentioned voice encryption is paid when being executed by the processor.
Another aspect according to an embodiment of the present invention, a kind of computer readable storage medium provided, the computer
Readable storage medium storing program for executing is stored with one or more program, and one or more of programs can be by one or more processor
It executes, the step of to realize predicate sound encrypting payment method as above.
The method of voice encryption payment provided by the invention, is paid using voice plus condition code information, in entire skill
There are three objects during art: the terminal of disburser, the terminal of beneficiary and carrier server (similar wechat, payment
It is precious), since carrier server pre-saves the vocal print of disburser, payment characteristic information, payment account and beneficiary
The collecting account of terminal passes through ratio after the payment information for the disburser that the terminal that carrier server receives beneficiary is sent
Corresponding payment account is found to the vocal print of disburser, judges whether to pay by paying characteristic information, if it is possible to prop up
It pays and the money of disburser is then given to Cash collecting equipment, otherwise return to the information of payment failure, the present invention only needs disburser to carry out voice
Input can be carried out mobile payment, and payment is made to become more simple and easy.
Detailed description of the invention
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Fig. 1 is a kind of hardware structural diagram of terminal provided in an embodiment of the present invention；
Fig. 2 is a kind of communications network system architecture diagram that terminal is based on provided in an embodiment of the present invention；
Fig. 3 is a kind of flow chart of the method for voice encryption payment that first embodiment of the invention provides；
Fig. 4 is a kind of flow chart of the method for voice encryption payment that second embodiment of the invention provides；
Fig. 5 is a kind of flow chart of the method for voice encryption payment that third embodiment of the invention provides；
Fig. 6 is the payment information of fourth embodiment of the invention sent according to the second terminal and the payment information prestored
The flow chart for the step of being compared；
Fig. 7 is a kind of module diagram of terminal of the present invention；
Fig. 8 is the composed structure schematic diagram of first terminal of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
In subsequent description, it is only using the suffix for indicating such as " module ", " component " or " unit " of element
Be conducive to explanation of the invention, itself there is no a specific meaning.Therefore, " module ", " component " or " unit " can mix
Ground uses.
Terminal can be implemented in a variety of manners.For example, terminal described in the present invention may include such as mobile phone, plate
Computer, laptop, palm PC, personal digital assistant (PersonalDigitalAssistant, PDA), portable matchmaker
The terminals such as body player (PortableMediaPlayer, PMP), navigation device, wearable device, and such as number TV, platform
The fixed terminals such as formula computer.
It will be illustrated by taking terminal as an example in subsequent descriptions, it will be appreciated by those skilled in the art that in addition to being used in particular for
Except the element of mobile purpose, the construction of embodiment according to the present invention can also apply to the terminal of fixed type.
Referring to Fig. 1, a kind of hardware structural diagram of its terminal of each embodiment to realize the present invention, the terminal
100 may include: RF (RadioFrequency, radio frequency) unit 101, WiFi module 102, audio output unit 103, A/V (sound
Frequently/video) input unit 104, sensor 105, display unit 106, user input unit 107, interface unit 108, memory
109, the components such as processor 110 and power supply 111.It will be understood by those skilled in the art that terminal structure shown in Fig. 1 is simultaneously
The not restriction of structure paired terminal, terminal may include perhaps combining certain components or not than illustrating more or fewer components
Same component layout.
It is specifically introduced below with reference to all parts of the Fig. 1 to terminal:
Radio frequency unit 101 can be used for receiving and sending messages or communication process in, signal sends and receivees, specifically, by base station
Downlink information receive after, to processor 110 handle；In addition, the data of uplink are sent to base station.In general, radio frequency unit 101
Including but not limited to antenna, at least one amplifier, transceiver, coupler, low-noise amplifier, duplexer etc..In addition, penetrating
Frequency unit 101 can also be communicated with network and other equipment by wireless communication.Any communication can be used in above-mentioned wireless communication
Standard or agreement, including but not limited to GSM (GlobalSystemofMobilecommunication, global system for mobile telecommunications system
System), GPRS (GeneralPacketRadioService, general packet radio service), CDMA2000
(CodeDivisionMultipleAccess2000, CDMA 2000), WCDMA (WidebandCodeDivisionMult
IpleAccess, wideband code division multiple access), TD-SCDMA (TimeDivision-SynchronousCodeDivisionMultip
LeAccess, TD SDMA), FDD-LTE (FrequencyDivisionDuplexing-
LongTermEvolution, frequency division duplex long term evolution) and TDD-LTE (TimeDivisionDuplexing-
LongTermEvolution, time division duplex long term evolution) etc..
WiFi belongs to short range wireless transmission technology, and mobile terminal can help user to receive and dispatch electricity by WiFi module 102
Sub- mail, browsing webpage and access streaming video etc., it provides wireless broadband internet access for user.Although Fig. 1 shows
Go out WiFi module 102, but it is understood that, and it is not belonging to must be configured into for terminal, it can according to need completely
Do not change in the range of the essence of invention and omits.
Audio output unit 103 can be in call signal reception pattern, call mode, record mould in mobile terminal 100
When under the isotypes such as formula, speech recognition mode, broadcast reception mode, by radio frequency unit 101 or WiFi module 102 it is received or
The audio data stored in memory 109 is converted into audio signal and exports to be sound.Moreover, audio output unit 103
Audio output relevant to the specific function that terminal 100 executes can also be provided (for example, call signal receives sound, message connects
Quiet down sound etc.).Audio output unit 103 may include loudspeaker, buzzer etc..
A/V input unit 104 is for receiving audio or video signal.A/V input unit 104 may include graphics processor
(GraphicsProcessingUnit, GPU) 1041 and microphone 1042, graphics processor 1041 in video acquisition mode or
The image data of the static images or video that are obtained in image capture mode by image capture apparatus (such as camera) is handled.
Treated, and picture frame may be displayed on display unit 106.Through graphics processor 1041, treated that picture frame can store
It is sent in memory 109 (or other storage mediums) or via radio frequency unit 101 or WiFi module 102.Microphone
1042 can receive in telephone calling model, logging mode, speech recognition mode etc. operational mode via microphone 1042
Sound (audio data), and can be audio data by such acoustic processing.Audio that treated (voice) data can be with
The format output that mobile communication base station can be sent to via radio frequency unit 101 is converted in the case where telephone calling model.Wheat
Various types of noises, which can be implemented, in gram wind 1042 eliminates (or inhibition) algorithms and is sending and receiving audio to eliminate (or inhibition)
The noise generated during signal or interference.
Terminal 100 further includes at least one sensor 105, such as optical sensor, motion sensor and other sensors.
Specifically, optical sensor includes ambient light sensor and proximity sensor, wherein ambient light sensor can be according to ambient light
Light and shade adjusts the brightness of display panel 1061, and proximity sensor can close display panel when terminal 100 is moved in one's ear
1061 and/or backlight.Motion sensor includes gyroscope and gravity sensor etc., and gravity sensor can detect in all directions
The size of (generally three axis) acceleration of gravity, can detect that size and the direction of gravity, can be used to identify mobile phone appearance when static
The application (such as horizontal/vertical screen switching, dependent game, magnetometer pose calibrating) of state, Vibration identification correlation function (such as pedometer,
Tap) etc.；The fingerprint sensor that can also configure as mobile phone, pressure sensor, iris sensor, molecule sensor, barometer,
The other sensors such as hygrometer, thermometer, infrared sensor, details are not described herein.
Display unit 106 is for showing information input by user or being supplied to the information of user.Display unit 106 can wrap
Display panel 1061 is included, liquid crystal display (LiquidCrystalDisplay, LCD), Organic Light Emitting Diode can be used
Forms such as (OrganicLight-EmittingDiode, OLED) configure display panel 1061.
User input unit 107 can be used for receiving the number or character information of input, and generates and set with the user of terminal
It sets and the related key signals of function control inputs.Specifically, user input unit 107 may include touch panel 1071 and its
His input equipment 1072.Touch panel 1071, also referred to as touch screen collect the touch operation (ratio of user on it or nearby
Such as user is using finger, stylus any suitable object or attachment on touch panel 1071 or near touch panel 1071
Operation), and corresponding attachment device is driven according to preset formula.Touch panel 1071 may include touch detecting apparatus
With two parts of touch controller.Wherein, the touch orientation of touch detecting apparatus detection user, and detect touch operation bring
Signal transmits a signal to touch controller；Touch controller receives touch information from touch detecting apparatus, and it is converted
At contact coordinate, then processor 110 is given, and order that processor 110 is sent can be received and executed.Furthermore, it is possible to adopt
Touch panel 1071 is realized with multiple types such as resistance-type, condenser type, infrared ray and surface acoustic waves.In addition to touch panel
1071, user input unit 107 can also include other input equipments 1072.Specifically, other input equipments 1072 can wrap
It includes but is not limited in physical keyboard, function key (such as volume control button, switch key etc.), trace ball, mouse, operating stick etc.
It is one or more, specifically herein without limitation.
Further, touch panel 1071 can cover display panel 1061, when touch panel 1071 detect on it or
After neighbouring touch operation, processor 110 is sent to determine the type of touch event, is followed by subsequent processing device 110 according to touch thing
The type of part provides corresponding visual output on display panel 1061.Although in Fig. 1, touch panel 1071 and display panel
1061 be the function that outputs and inputs of realizing terminal as two independent components, but in some embodiments it is possible to will
Touch panel 1071 and display panel 1061 integrate and realize the function that outputs and inputs of terminal, specifically herein without limitation.
Interface unit 108 be used as at least one external device (ED) connect with terminal 100 can by interface.For example, external
Device may include wired or wireless headphone port, external power supply (or battery charger) port, wired or wireless number
According to port, memory card port, port, the port audio input/output (I/O), view for connecting the device with identification module
The port frequency I/O, ear port etc..Interface unit 108 can be used for receiving the input from external device (ED) (for example, data are believed
Breath, electric power etc.) and by one or more elements that the input received is transferred in terminal 100 or can be used at end
Data are transmitted between end 100 and external device (ED).
Memory 109 can be used for storing software program and various data.Memory 109 can mainly include storing program area
The storage data area and, wherein storing program area can (such as the sound of application program needed for storage program area, at least one function
Sound playing function, image player function etc.) etc.；Storage data area can store according to mobile phone use created data (such as
Audio data, phone directory etc.) etc..In addition, memory 109 may include high-speed random access memory, it can also include non-easy
The property lost memory, a for example, at least disk memory, flush memory device or other volatile solid-state parts.
Processor 110 is the control centre of mobile terminal, utilizes each of various interfaces and the entire mobile terminal of connection
A part by running or execute the software program and/or module that are stored in memory 109, and calls and is stored in storage
Data in device 109 execute the various functions and processing data of terminal, to carry out integral monitoring to terminal.Processor 110 can
Including one or more processing units；Preferably, processor 110 can integrate application processor and modem processor, wherein
The main processing operation system of application processor, user interface and application program etc., modem processor mainly handles channel radio
Letter.It is understood that above-mentioned modem processor can not also be integrated into processor 110.
Terminal 100 can also include the power supply 111 (such as battery) powered to all parts, it is preferred that power supply 111 can be with
It is logically contiguous by power-supply management system and processor 110, thus by power-supply management system realize management charging, electric discharge, with
And the functions such as power managed.
Although Fig. 1 is not shown, terminal 100 can also be including bluetooth module etc., and details are not described herein.
Embodiment to facilitate the understanding of the present invention, the communications network system that mobile terminal of the invention is based below into
Row description.
Referring to Fig. 2, Fig. 2 is a kind of communications network system architecture diagram provided in an embodiment of the present invention, the communication network system
System is the LTE system of universal mobile communications technology, which includes UE (UserEquipment, the use of successively communication connection
Family equipment) 201, E-UTRAN (EvolvedUMTSTerrestrialRadioAccessNetwork, the land evolved UMTS without
Line access) 202, EPC (EvolvedPacketCore, evolved packet-based core networks) 203 and operator IP operation 204.
Specifically, UE201 can be above-mentioned terminal 100, and details are not described herein again.
E-UTRAN202 includes eNodeB2021 and other eNodeB2022 etc..Wherein, eNodeB2021 can be by returning
Journey (backhaul) (such as X2 interface) is connect with other eNodeB2022, and eNodeB2021 is connected to EPC203,
ENodeB2021 can provide the access of UE201 to EPC203.
EPC203 may include MME (MobilityManagementEntity, mobility management entity) 2031, HSS
(HomeSubscriberServer, home subscriber server) 2032, other MME2033, SGW (ServingGateWay, service
Gateway) 2034, PGW (PDNGateWay, grouped data network gateway) 2035 and PCRF
(PolicyandChargingRulesFunction, policy and rate functional entity) 2036 etc..Wherein, MME2031 is processing
The control node of signaling, provides carrying and connection management between UE201 and EPC203.HSS2032 is for providing some registers
The function of such as home location register (not shown) etc is managed, and preserves some related service features, data
The dedicated information of the users such as rate.All customer data can be sent by SGW2034, and PGW2035 can be provided
The IP address of UE201 is distributed and other functions, and PCRF2036 is strategy and the charging control of business data flow and IP bearing resource
Policy decision point processed, it selects and provides available strategy and charging control with charge execution function unit (not shown) for strategy
Decision processed.
IP operation 204 may include internet, Intranet, IMS (IPMultimediaSubsystem, IP multimedia subsystem
System) or other IP operations etc..
Although above-mentioned be described by taking LTE system as an example, those skilled in the art should know the present invention is not only
Suitable for LTE system, be readily applicable to other wireless communication systems, such as GSM, CDMA2000, WCDMA, TD-SCDMA with
And the following new network system etc., herein without limitation.
Based on above-mentioned terminal hardware structure and communications network system, each embodiment of the method for the present invention is proposed.
Embodiment 1
Fig. 3 is the flow diagram for the method that the voice encryption of first embodiment of the invention is paid, and is applied to first terminal.
The sequence for executing step is defined it should be understood that the flow chart in this method embodiment is not used in.It should be noted that
First terminal and second terminal belong to terminal shown in figure 1 in the present embodiment, and structure and function having the same, first eventually
The name of end and second terminal is used for the purpose of distinguishing the present embodiment payment terminal and cash receiving terminal, avoids confusion, first terminal
Name with second terminal does not distinguish its function, and in the present embodiment, first terminal is as payment terminal, second terminal
As cash receiving terminal, in other embodiments, the cash receiving terminal that first terminal can also be used as second terminal is carried out using equally
, the payment terminal that second terminal can also be used as first terminal carry out using.
As shown in figure 3, the method for the voice encryption payment includes:
S300 opens voice encryption payment program.
Specifically, user can default always on voice encryption payment program in system setting, can also be in system
In setting default close voice encryption payment program, until need using when open again.
S302 acquires the voice messaging of disburser.
Disburser issues payment voice command, such as " 100 yuan of payment ", the wheat of first terminal (payment terminal of disburser)
Gram wind receives acoustic information, and acoustic information based on the received, acquires in the voiceprint and identification voice messaging of user
Payment information and amount information.
Payment characteristic information is added in the voice messaging of the disburser of acquisition by S304.
It include the payment cipher of disburser's input in the present embodiment, in the payment characteristic information.Specifically, first terminal
Receive the payment cipher of user's input.User inputs payment cipher and can be inputted by voice, certainly in public in order to pacify
Quan Xing, user inputs payment cipher can also be by way of fingerprint input or number, figure.Specific input mode user can
With sets itself as needed, in the present embodiment, it is not limited thereto.
Further, the payment characteristic information that first terminal is added in the voice messaging of the disburser of acquisition further includes pre-
Payment accounts, user name of the disburser for the first terminal deposited etc..Wherein, the payment accounts of the disburser of first terminal, user
Name is all to have had previously been stored in carrier server when registering payment program to suffer, and certainly, user as needed can be
It modifies in payment program to payment accounts, user name etc..Payment accounts in the present embodiment are not limited to traditional bank
Card account further includes the Third-party payment platforms account such as wechat, Alipay.
Carrier server in the present embodiment refers to the Operation Server where payment program, is not limited to bank server
And the Operation Server of the Third-party payment platforms such as wechat, Alipay, cloud sudden strain of a muscle pair.The present embodiment passes through superposition disburser's
Characteristic information is paid, to provide guidance for future payments.
S306 sends out the voice messaging for being superimposed with the disburser of payment characteristic information as payment information via second terminal
Give carrier server.
In the present embodiment, second terminal is cash receiving terminal.In order to which bank settlement is more intuitive, first terminal is by payment information
When being sent to second terminal, suggestion voice can also be exported, prompts the payment amount paid in disburser's voice messaging.
Specifically, the payment information received is sent to carrier server by second terminal, so as to operator clothes
Business device judges payment result, and the payment result is returned to the first terminal and the second terminal respectively.
Specifically, the voice messaging of the disburser for being superimposed with payment characteristic information received is sent to fortune by second terminal
Seek quotient's server.
Further, it further includes the second terminal that the second terminal, which is sent to the payment information of carrier server,
The gathering characteristic information of (cash receiving terminal).The gathering characteristic information includes at least, the shroff account number of beneficiary, and collect money user
Name, mode of collecting money.The same with above-mentioned payment accounts, the means of payment, the shroff account number of second terminal, gathering user name are all to infuse
It has had previously been stored in carrier server when volume payment program to suffer, certainly, user as needed can be in payment program
It modifies to shroff account number, gathering user name etc..Shroff account number in the present embodiment is not limited to traditional bank card account number,
It further include the Third-party payment platforms account such as wechat, Alipay.
Therefore, the voice messaging of the disburser for being superimposed with payment characteristic information received is increased by second eventually by second terminal
The gathering characteristic information at end (cash receiving terminal) is sent to carrier server.
The present embodiment provides guidance by being superimposed the gathering characteristic information of cash receiving terminal for later period gathering.In addition, described
Carrier server judges that the mode of payment result will be specifically described in second embodiment of the invention (Fig. 4).
S308 receives the payment result that the carrier server returns.
S310 shows the payment result in the image display interfaces of the first terminal.
Specifically, when paying successfully, the amount of money that the first terminal user pays is transferred to by carrier server
The collecting account of two terminals, and send pay successful receipt to first terminal and second terminal respectively.In order to more vivid straight
It sees, at the payment program interface (image display interfaces) of first terminal, display pays successful information, for example, " you successfully pay
100 yuan ", it equally, collects money successful information in the payment program interface display of second terminal, for example, " you successfully collect money 100
Member ".Certainly, the user of first terminal and second terminal can also be shown by way of voice broadcast as needed.
Conversely, the receipt of payment failure is sent to first terminal and second eventually by carrier server when paying failure
End.Meanwhile the reason of the payment program interface (image display interfaces) of first terminal shows payment failure, for example, " network prolongs
Late ", " Sorry, your ticket has not enough value " etc..User pays according to the prompt adjustment means of payment or payment amount.
The method of voice encryption payment provided in an embodiment of the present invention, is paid using voice plus condition code information,
There are three objects in entire technical process: the terminal of disburser, the terminal of beneficiary and carrier server (similar wechat,
Alipay), since carrier server pre-saves vocal print, payment characteristic information, payment account and the gathering of disburser
The collecting account of the terminal of side leads to after the payment information for the disburser that the terminal that carrier server receives beneficiary is sent
The vocal print for crossing comparison disburser finds corresponding payment account, judges whether to pay by paying characteristic information, if energy
The money of disburser is then given to Cash collecting equipment by enough payments, otherwise returns to the information of payment failure, and the present invention only needs disburser to carry out
Voice input can be carried out mobile payment, and payment is made to become more simple and easy.
Embodiment 2
Fig. 4 is the flow diagram for the method that the voice encryption of second embodiment of the invention is paid, and is applied to second terminal.
The sequence for executing step is defined it should be understood that the flow chart in this method embodiment is not used in.It should be noted that
First terminal and second terminal belong to terminal shown in figure 1 in the present embodiment, and structure and function having the same, first eventually
The name of end and second terminal is used for the purpose of distinguishing the present embodiment payment terminal and cash receiving terminal, avoids confusion, first terminal
Name with second terminal does not distinguish its function, and in the present embodiment, first terminal is as payment terminal, second terminal
As cash receiving terminal, in other embodiments, the cash receiving terminal that first terminal can also be used as second terminal is carried out using equally
, the payment terminal that second terminal can also be used as first terminal carry out using.
As shown in figure 4, the method for the voice encryption payment includes:
S400 receives the first payment information that first terminal is sent.
Wherein, first payment information includes the voice messaging of the disburser of first terminal, and first disbursement letter
Breath is also superimposed with the payment characteristic information of first terminal.
The gathering characteristic information of the second terminal is added in first payment information by S402, forms second
Pay information.
Second payment information is sent to carrier server and receives what the carrier server returned by S404
Payment result.
S406 shows the payment result in the image display interfaces of the second terminal.
Embodiment 3
Fig. 5 is the flow diagram for the method that the voice encryption of third embodiment of the invention is paid, and is applied to operator and takes
Business device.The sequence for executing step is defined it should be understood that the flow chart in this method embodiment is not used in.Mandatory declaration
, first terminal and second terminal belong to terminal shown in figure 1 in the present embodiment, structure and function having the same,
The name of first terminal and second terminal is avoided confusion just for the sake of payment terminal and cash receiving terminal in differentiation the present embodiment,
The name of first terminal and second terminal does not distinguish its function, in the present embodiment, first terminal as payment terminal,
Second terminal is as cash receiving terminal, and in other embodiments, the cash receiving terminal that first terminal can also be used as second terminal carries out
Use, likewise, the payment terminal that second terminal can also be used as first terminal carry out using.
As shown in figure 5, the method for the voice encryption payment includes:
S500 receives the payment information that the second terminal is sent.
Specifically, the payment information that the second terminal is sent includes the voice messaging of the disburser of first terminal, first
The payment characteristic information of terminal and the gathering characteristic information of second terminal, the voice messaging of the disburser of the first terminal include
The voiceprint of the disburser of first terminal, the payment characteristic information of first terminal include the payment cipher of disburser's input, institute
The gathering characteristic information for stating second terminal includes at least collecting account.
S502 is compared with the payment information prestored according to the payment information that the second terminal is sent and judges to pay
As a result.Wherein, the step of payment information sent according to the second terminal is compared with the payment information prestored will
It is specifically described in fourth embodiment of the invention (Fig. 6).
The payment result is fed back to the first terminal and the second terminal by S504 respectively.
Specifically, when paying successfully, the amount of money that the first terminal user pays is transferred to by carrier server
The collecting account of two terminals, and send pay successful receipt to first terminal and second terminal respectively.In order to more vivid straight
It sees, pays successful information in the payment program interface display of first terminal, for example, " you successfully pay 100 yuan ", equally,
The successful information of payment program interface display gathering of second terminal, for example, " you successfully collect money 100 yuan ".Certainly, first terminal
It can also be shown by way of voice broadcast as needed with the user of second terminal.
Conversely, the receipt of payment failure is sent to first terminal and second eventually by carrier server when paying failure
End.Meanwhile the reason of the payment program interface display of first terminal pays failure, for example, " network delay ", " Sorry, your ticket has not enough value "
Etc..User pays according to the prompt adjustment means of payment or payment amount.
Embodiment 4
The present invention is based on the 4th implementations of the flow diagram proposition present invention for the method that voice encryption in embodiment three is paid
The step flow diagram that the payment information of example sent according to the second terminal is compared with the payment information prestored.
Fig. 6 is that the carrier server of the embodiment of the present invention judges the flow diagram of payment result step, is applied to fortune
It seeks quotient's server (Fig. 6 is not shown).It should be understood that the flow chart in this method embodiment is not used in the sequence for executing step
It is defined.
As shown in fig. 6, the carrier server judges that payment result steps flow chart includes:
S600 searches the branch prestored in the carrier server by the voiceprint in disburser's voice messaging
Pay person payment accounts and corresponding payment cipher.
Specifically, the payment accounts in the present embodiment are not limited to traditional bank card account number, further include wechat, Alipay
Etc. Third-party payment platforms account.
S602 will be prestored in the payment cipher and the carrier server of disburser's input in the payment characteristic information
Payment cipher be compared.
Whether comparison result matches in S604, judgment step S602.When comparison result matching, S606 is thened follow the steps,
When comparison result mismatches, step S612 is executed.
Step S606, judges whether the remaining sum for the payment account that disburser prestores is not less than gold included in voice messaging
Volume.When the remaining sum for the payment account that disburser prestores is no less than the amount of money included in voice messaging, then follow the steps
Otherwise S608 and step S610 executes step S612.
The amount of money that the first terminal user pays is transferred to the collecting account by step S608.
Step S610, pays successfully.
Specifically, when paying successfully, carrier server sends the successful receipt of payment to first terminal and the respectively
Two terminals.And it is shown in the payment program interface of first terminal and second terminal.
Step S612, payment failure.
Specifically, when paying failure, the receipt of payment failure is sent to first terminal and second by carrier server
Terminal.Meanwhile the payment program interface display of first terminal pay failure the reason of, for example, " network delay ", " remaining sum is not
Foot " etc..User pays according to the prompt adjustment means of payment or payment amount.
Embodiment 5
Fig. 7 is a kind of module diagram of first terminal of the present invention.It should be noted that the present embodiment hereinafter described
First terminal and second terminal belong to terminal shown in figure 1, and structure and function having the same, first terminal and second is eventually
The name at end is avoided confusion just for the sake of differentiation the present embodiment payment terminal and cash receiving terminal, first terminal and second terminal
Name its function is not distinguished, in the present embodiment, first terminal as payment terminal, second terminal as gathering eventually
End, in other embodiments, the cash receiving terminal that first terminal can also be used as second terminal are carried out using likewise, second is whole
End can also be used as first terminal payment terminal carry out using.
The terminal includes acquisition module 700, laminating module 702, sending module 704, receiving module 706, memory 708
With processor 710, above procedure module is stored in memory 708 with program code actually, and is held by processor 710
Row, to realize the step or method in above-described embodiment.Wherein:
Acquisition module 700, for acquiring the voice messaging of disburser.
Specifically, disburser issues payment voice command, such as " 100 yuan of payment ", and (payment of disburser is whole for first terminal
End) microphone receive acoustic information, received acoustic information is transferred to acquisition module 700, acquisition module 700 by microphone
Acquire the voiceprint of user and payment information and amount information in identification voice messaging.In preferred embodiment, adopt
Collection module 700 is also used to be confirmed whether to open voice encryption payment program.Specifically, user can default one in system setting
It is straight to open voice encryption payment program, default voice encryption payment program can also be closed in system setting, until needing to make
Used time opens again.
Laminating module 702, for will pay characteristic information be added to acquisition disburser voice messaging in.
It include the payment cipher of disburser's input in the present embodiment, in the payment characteristic information.Specifically, laminating module
702 are also used to receive the payment cipher of user's input.User inputs payment cipher and can be inputted by voice, certainly in public field
It is combined into safety, user inputs payment cipher can also be by way of fingerprint input or number, figure.Specific input side
Formula user can according to need sets itself, in the present embodiment, be not limited thereto.
Further, the payment characteristic information that laminating module 702 is added in the voice messaging of the disburser of acquisition also wraps
Include payment accounts, the user name etc. of the disburser of the first terminal prestored.Wherein, the payment accounts of the disburser of first terminal,
User name is all to have had previously been stored in carrier server when registering payment program to suffer, and certainly, user as needed may be used
To modify in payment program to payment accounts, user name etc..Payment accounts in the present embodiment are not limited to traditional
Bank card account number further includes the Third-party payment platforms account such as wechat, Alipay.
Carrier server in the present embodiment refers to the Operation Server where payment program, is not limited to bank server
And the Operation Server of the Third-party payment platforms such as wechat, Alipay, cloud sudden strain of a muscle pair.The present embodiment passes through superposition disburser's
Characteristic information is paid, to provide guidance for future payments.
Sending module 704 is sent out for that will be superimposed with the voice messaging of disburser of payment characteristic information as payment information
Give second terminal.
In the present embodiment, second terminal is cash receiving terminal.In order to which bank settlement is more intuitive, first terminal is by payment information
When being sent to second terminal, suggestion voice can also be exported, prompts the payment amount paid in disburser's voice messaging.
The payment information received is sent to by second terminal after the payment information for receiving the transmission of sending module 704
Carrier server, the carrier server judges payment result, and the payment result is returned to described first respectively
Terminal and the second terminal.
Specifically, the voice messaging of the disburser for being superimposed with payment characteristic information received is sent to fortune by second terminal
Seek quotient's server.
Further, it further includes the second terminal that the second terminal, which is sent to the payment information of carrier server,
The gathering characteristic information of (cash receiving terminal).The gathering characteristic information includes at least, the shroff account number of beneficiary, and collect money user
Name, mode of collecting money.The same with above-mentioned payment accounts, the means of payment, the shroff account number of second terminal, gathering user name are all to infuse
It has had previously been stored in carrier server when volume payment program to suffer, certainly, user as needed can be in payment program
It modifies to shroff account number, gathering user name etc..Shroff account number in the present embodiment is not limited to traditional bank card account number,
It further include the Third-party payment platforms account such as wechat, Alipay.
Therefore, the voice messaging of the disburser for being superimposed with payment characteristic information received is increased by second eventually by second terminal
The gathering characteristic information at end (cash receiving terminal) is sent to carrier server.
The present embodiment provides guidance by being superimposed the gathering characteristic information of cash receiving terminal for later period gathering.In addition, described
Carrier server is judged by the following manner payment result:
Carrier server is searched in the carrier server by the voiceprint in disburser's voice messaging and is prestored
The payment accounts that prestore of the disburser and corresponding payment cipher, by the branch of disburser's input in the payment characteristic information
The payment cipher prestored in password and the carrier server is paid to be compared；When comparison result matching, then success is paid,
The amount of money that the first terminal user pays is transferred to the collecting account；Otherwise, it when comparison result mismatches, then pays
Failure.Further, when comparison result matches, carrier server also judges that the remaining sum for the payment account that disburser prestores is
It is no to be not less than the amount of money included in voice messaging；If the remaining sum of payment account is not less than the amount of money included in voice messaging,
The amount of money included in voice messaging is transferred to the collecting account by the payment account that disburser prestores by carrier server,
And return and pay successful information, otherwise return to the information of payment failure.
Receiving module 706, the payment result returned for receiving the carrier server, and it is shown in described first eventually
The image display interfaces (or payment program interface) at end.
Specifically, when paying successfully, the amount of money that the first terminal user pays is transferred to by carrier server
The collecting account of two terminals, and send pay successful receipt to first terminal and second terminal respectively.In order to more vivid straight
It sees, receiving module 706 pays successful information in the payment program interface display of first terminal, for example, " you successfully pay 100
Member ", equally, the payment program interface of second terminal can also show the successful information of gathering, for example, " you successfully collect money 100 yuan ".
Certainly, the user of first terminal and second terminal can also be shown by way of voice broadcast as needed.
Conversely, the receipt of payment failure is sent to first terminal and second eventually by carrier server when paying failure
End.Meanwhile receiving module 706 pays the reason of failing in the payment program interface display of first terminal, for example, " network prolongs
Late ", " Sorry, your ticket has not enough value " etc..User pays according to the prompt adjustment means of payment or payment amount.
By implementing aforesaid way, paid using voice plus condition code information, there are three in entire technical process
A object: the terminal of disburser, the terminal of beneficiary and carrier server (similar wechat, Alipay), since operator takes
Business device pre-saves the collecting account of the terminal of the vocal print of disburser, payment characteristic information, payment account and beneficiary, when
After the payment information for the disburser that the terminal that carrier server receives beneficiary is sent, the vocal print by comparing disburser is found
Corresponding payment account judges whether to pay, if it is possible to which payment then turns the money of disburser by paying characteristic information
To Cash collecting equipment, the information of payment failure is otherwise returned to, the present invention, which only needs disburser to carry out voice input, can be carried out moving
Payment makes payment become more simple and easy.
Embodiment 6
Fig. 8 is the composed structure schematic diagram of first terminal of the present invention.It should be noted that in the present embodiment first terminal with
Second terminal belongs to terminal shown in figure 1, and structure and function having the same, the name of first terminal and second terminal is only
Merely to distinguishing the present embodiment payment terminal and cash receiving terminal, avoid confusion, the name of first terminal and second terminal is not
Its function is distinguished, in the present embodiment, first terminal is as payment terminal, and second terminal is as cash receiving terminal, at other
In embodiment, the cash receiving terminal that first terminal can also be used as second terminal is carried out using likewise, second terminal can also be made
For first terminal payment terminal carry out using.
As shown in figure 8, the first terminal includes at least: memory 801, communication bus 802 and processor 803.Wherein:
The memory 801 encrypts payment program for storaged voice；
The communication bus 802, for realizing the connection communication between processor and memory；
The processor 803, for executing the voice encryption payment program stored in memory, to realize that above-mentioned voice adds
The step of close payment program.
By implementing aforesaid way, paid using voice plus condition code information, there are three in entire technical process
A object: the terminal of disburser, the terminal of beneficiary and carrier server (similar wechat, Alipay), since operator takes
Business device pre-saves the collecting account of the terminal of the vocal print of disburser, payment characteristic information, payment account and beneficiary, when
After the payment information for the disburser that the terminal that carrier server receives beneficiary is sent, the vocal print by comparing disburser is found
Corresponding payment account judges whether to pay, if it is possible to which payment then turns the money of disburser by paying characteristic information
To Cash collecting equipment, the information of payment failure is otherwise returned to, the present invention, which only needs disburser to carry out voice input, can be carried out moving
Payment makes payment become more simple and easy.
Embodiment 7
In order to solve the problems, such as to carry out that payment is inconvenient, and the present invention also provides one kind using scanning the two-dimensional code in the prior art
Computer readable storage medium, the computer-readable recording medium storage have voice encryption payment program, the voice encryption
Step as described above is realized when payment program is executed by processor.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or the device that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or device institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, method of element, article or device.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in a storage medium
In (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that a terminal (can be mobile phone, computer, service
Device, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
The embodiment of the present invention is described with above attached drawing, but the invention is not limited to above-mentioned specific
Embodiment, the above mentioned embodiment is only schematical, rather than restrictive, those skilled in the art
Under the inspiration of the present invention, without breaking away from the scope protected by the purposes and claims of the present invention, it can also make very much
Form, all of these belong to the protection of the present invention.
Claims (10)
1. a kind of method of voice encryption payment, is applied to first terminal, which is characterized in that the method for the voice encryption payment
Include:
Acquire the voice messaging of disburser；
Payment characteristic information is added in the voice messaging of the disburser of acquisition；
The voice messaging for being superimposed with the disburser of payment characteristic information is sent to operation via second terminal as payment information
Quotient's server；
Receive the payment result that the Operation Server returns；
Show the payment result in the image display interfaces of the first terminal.
2. the method for voice encryption payment as described in claim 1, which is characterized in that in the voice messaging of acquisition disburser
Afterwards, identify in voice messaging whether there is payment information and amount information, if any then the payment characteristic information is added to acquisition
Disburser voice messaging in.
3. the method for voice encryption payment as described in claim 1, which is characterized in that include branch in the payment characteristic information
Pay person's payment cipher of input.
4. the method for voice encryption as described in claim 1 payment, which is characterized in that acquisition disburser voice messaging it
Afterwards, the method for the voice encryption payment further comprises the steps of: output suggestion voice, is paid in prompt disburser's voice messaging
Payment amount.
5. a kind of method of voice encryption payment, is applied to second terminal, which is characterized in that the method for the voice encryption payment
Include:
Receive the first payment information that first terminal is sent, wherein first payment information includes the disburser of first terminal
Voice messaging, and first payment information is also superimposed with the payment characteristic information of first terminal；
The gathering characteristic information of the second terminal is added in first payment information, the second payment information is formed；
Second payment information is sent to carrier server and receives the payment result that the carrier server returns；
Show the payment result in the image display interfaces of the second terminal.
6. a kind of method of voice encryption payment, is applied to carrier server, which is characterized in that the carrier server is extremely
It is connected to first terminal and second terminal less, the method for the voice encryption payment includes:
Receive the payment information that the second terminal is sent；
It is compared according to the payment information that the second terminal is sent with the payment information prestored and judges payment result；
The payment result is fed back into the first terminal and the second terminal respectively.
7. the method for voice encryption payment as claimed in claim 6, which is characterized in that the disbursement letter that the second terminal is sent
Breath includes the gathering feature letter of the voice messaging of the disburser of first terminal, the payment characteristic information of first terminal and second terminal
Breath, the voice messaging of the disburser of the first terminal includes the voiceprint of the disburser of first terminal, the branch of first terminal
The payment cipher that characteristic information includes disburser's input is paid, the gathering characteristic information of the second terminal includes at least gathering account
Family, it is described according to the second terminal send payment information be compared with the payment information prestored the step of include:
The payment accounts of the disburser prestored in the carrier server and corresponding are searched by the voiceprint
Payment cipher；
The payment prestored in the payment cipher and the carrier server of disburser's input in the payment characteristic information is close
Code is compared；
When comparison result matching, then success is paid, the amount of money that the first terminal user pays is transferred to the gathering account
Family；
When comparison result mismatches, then failure is paid.
8. the method for voice encryption payment as claimed in claim 7, which is characterized in that described to be sent according to the second terminal
Payment information the step of being compared with the payment information prestored further include:
When comparison result matching, judge whether the remaining sum for the payment account that disburser prestores is greater than included in voice messaging
The amount of money；
If the remaining sum of payment account is greater than the amount of money included in voice messaging, carrier server will be included in voice messaging
The amount of money collecting account is transferred to by the payment account that disburser prestores, and return and pay successful information, otherwise return
Pay the information of failure.
9. a kind of first terminal, which is characterized in that the first terminal includes: memory, processor and is stored in the storage
On device and the voice encryption payment program that can run on the processor, the voice encryption payment are executed by the processor
The step of method that Shi Shixian voice encryption as described in any one of claims 1 to 4 is paid.
10. a kind of computer readable storage medium, which is characterized in that the computer-readable recording medium storage have one or
Multiple programs, one or more of programs can be executed by one or more processor, to realize such as claim 1 to 8
Any one of described in voice encryption payment method the step of.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811131186.9A CN109146501A (en) | 2018-09-27 | 2018-09-27 | A kind of method, terminal and the computer readable storage medium of voice encryption payment |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201811131186.9A CN109146501A (en) | 2018-09-27 | 2018-09-27 | A kind of method, terminal and the computer readable storage medium of voice encryption payment |
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