CN111401912A - Mobile payment method, electronic device and storage medium - Google Patents
Mobile payment method, electronic device and storage medium Download PDFInfo
- Publication number
- CN111401912A CN111401912A CN202010184403.1A CN202010184403A CN111401912A CN 111401912 A CN111401912 A CN 111401912A CN 202010184403 A CN202010184403 A CN 202010184403A CN 111401912 A CN111401912 A CN 111401912A
- Authority
- CN
- China
- Prior art keywords
- user
- biological
- financial account
- biological characteristics
- mobile payment
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Classifications
-
- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Measurement Of The Respiration, Hearing Ability, Form, And Blood Characteristics Of Living Organisms (AREA)
- Telephone Function (AREA)
- User Interface Of Digital Computer (AREA)
Abstract
The application provides a mobile payment method, an electronic device and a storage medium, wherein the mobile payment method comprises the following steps: acquiring the biological characteristics of a user based on biological information acquired by an in-ear microphone and/or a loudspeaker of the wireless earphone; comparing the user biological characteristics with the biological characteristics of a pre-stored associated financial account; and generating and sending a settlement instruction to a settlement system corresponding to the financial account when the fact that the user biological characteristics are the same as the pre-stored biological characteristics of the associated financial account is determined. The mobile payment method can improve the diversity of mobile payment, and enables mobile life to be more convenient and fast.
Description
Technical Field
The application relates to the technical field of quick payment, in particular to a mobile payment method, electronic equipment and a storage medium.
Background
With the development of mobile internet, mobile payment is produced for improving the convenience of mobile life of people. However, mobile payments that are common today include only fingerprint payments and facial recognition payments, and there are a few kinds of mobile payments and there is a lack of diversity in the way mobile payments.
Disclosure of Invention
In view of this, an object of the present application is to provide a mobile payment method, an electronic device and a storage medium, which are used to improve the diversity of mobile payment to a certain extent, so that mobile life is more convenient.
The application provides a mobile payment method, which comprises the following steps: acquiring the biological characteristics of a user based on biological information acquired by an in-ear microphone and/or a loudspeaker of the wireless earphone; comparing the user biological characteristics with the biological characteristics of a pre-stored associated financial account; and generating and sending a settlement instruction to a settlement system corresponding to the financial account when the fact that the user biological characteristics are the same as the pre-stored biological characteristics of the associated financial account is determined.
The application provides a mobile payment method, the biological information that microphone and/or speaker gathered realizes mobile payment in the ear based on wireless earphone, is different from fingerprint payment and discernment payment respectively, consequently, can promote mobile payment's variety to a certain extent for it is more convenient to remove the life.
Further, the biological information is vibration information of a vocal cord of the user, the biological characteristics of the user are vibration characteristics of the vocal cord of the user, and the biological characteristics of the pre-stored associated financial account are vocal cord vibration characteristics of the pre-stored associated financial account.
Further, the biological information is vocal cord vibration information when the user sends a voice payment instruction containing a voiced sound, the user biological characteristics are vocal cord vibration characteristics when the user sends the voice payment instruction containing the voiced sound, and the pre-stored biological characteristics of the associated financial account are vocal cord vibration characteristics when the pre-stored user of the associated financial account sends the voice payment instruction containing the voiced sound; or the biological information is vocal cord vibration information when the user sends a voice payment instruction containing vowels, the user biological characteristics are vocal cord vibration characteristics when the user sends the voice payment instruction containing vowels, and the pre-stored biological characteristics of the associated financial account are vocal cord vibration characteristics when the pre-stored user of the associated financial account sends the voice payment instruction containing vowels; or the biological information is vocal cord vibration information when the user sends a voice payment instruction containing voiced sound and vowel, the user biological characteristic is vocal cord vibration characteristic when the user sends the voice payment instruction containing voiced sound and vowel, and the pre-stored biological characteristic of the associated financial account is vocal cord vibration characteristic when the user of the associated financial account sends the voice payment instruction containing voiced sound and vowel.
In this application, the vocal cord vibration information when biological information sends the pronunciation payment instruction that contains vowel and/or voiced sound for the user, vocal cord vibration characteristic when user's biological characteristics sends the pronunciation payment instruction that contains vowel and/or voiced sound for the user, the vocal cord vibration characteristic when the biological characteristics of the relevant financial account that prestores send the pronunciation payment instruction that contains vowel and/or voiced sound for the user of the relevant financial account that prestores, can make vocal cord vibration information be convenient for by wireless headset's in-the-ear microphone and/or speaker collection, make the mobile payment method of this application realize easily to a certain extent.
Further, the biological information is heartbeat information of the user, the biological characteristics of the user are heartbeat characteristics of the user, and the pre-stored biological characteristics of the associated financial account are heartbeat characteristics of the pre-stored associated financial account.
Further, the user biological feature is a heartbeat feature of the user, and the obtaining of the user biological feature based on the biological information collected by the in-ear microphone and/or the speaker of the wireless headset includes: and acquiring the biological characteristics of the user through the body temperature and/or motion state information of the user acquired by the wearable equipment based on the real-time heartbeat information of the user acquired by the in-ear microphone and/or the loudspeaker of the wireless earphone.
Further, the acquiring the user biological characteristics based on the biological information collected by the in-ear microphone and/or the loudspeaker of the wireless headset comprises: acquiring biological information acquired by an in-ear microphone and/or a loudspeaker of the wireless earphone; and inputting the biological information into a pre-trained neural network to obtain the biological characteristics of the user.
In the application, the biological information collected by the in-ear microphone and/or the loudspeaker of the wireless earphone is input to the pre-trained neural network to obtain the biological characteristics of the user, so that the accuracy of the obtained biological characteristics of the user can be improved to a certain degree, and the safety of mobile payment is further improved to a certain degree.
Further, the in-ear microphone of the wireless headset is a noise reduction microphone, and the obtaining of the user biological characteristics based on the biological information collected by the in-ear microphone of the wireless headset includes: acquiring biological information acquired by an in-ear microphone of the wireless earphone; adjusting the information to obtain adjusted biological information; and taking the adjusted biological information as the biological characteristics of the user, or inputting the adjusted biological information into a pre-trained neural network to obtain the biological characteristics of the user.
In this application, when the in-ear microphone of wireless earphone is for making an uproar the mike of falling, adjust through the biological information that the in-ear microphone to wireless earphone gathered, can avoid making an uproar the influence to mobile payment of falling.
Further, the acquiring biological information collected by an in-ear microphone and/or a speaker of the wireless headset includes: and acquiring biological information acquired within the preset time when the microphone and/or the loudspeaker in the ear of the wireless earphone recognizes the payment instruction.
In the application, the biological information collected in the payment instruction preset time is identified by acquiring the in-ear microphone and/or the loudspeaker of the wireless earphone, so that the information quantity required by the biological characteristics of the user can be ensured to be acquired.
Further, the mobile payment method further comprises: based on the biological information collected by the microphone outside the ear of the wireless earphone, carrying out voiceprint recognition to obtain the voiceprint of the user; comparing the voiceprint of the user with a pre-stored voiceprint; and generating and sending the settlement instruction to a settlement system corresponding to the financial account when the biological characteristics of the user are determined to be the same as the biological characteristics of the pre-stored associated financial account and the voiceprint of the user is determined to be the same as the pre-stored voiceprint.
In this application, the security that can promote mobile payment through voiceprint contrast combination user biological characteristic contrast.
Further, the mobile payment method further comprises: acquiring a device code of the wireless headset; comparing the equipment code with a pre-stored equipment code; and generating and sending the settlement instruction to a settlement system corresponding to the financial account when the biological characteristics of the user are determined to be the same as the biological characteristics of the pre-stored associated financial account and the equipment code is determined to be the same as the pre-stored equipment code.
In the application, the security of mobile payment can be improved by combining the comparison of the device codes and the comparison of the biological characteristics of the user.
The application also provides an electronic device comprising a processor and a memory, wherein the memory stores computer readable instructions, and the computer readable instructions, when executed by the processor, cause the processor to execute the mobile payment method.
The present application also provides a non-transitory readable storage medium storing computer readable instructions which, when executed by a processor, cause the processor to perform the aforementioned mobile payment method.
Additional features and advantages of the present application will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by the practice of the embodiments of the present application. The objectives and other advantages of the application may be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are required to be used in the embodiments will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present application and therefore should not be considered as limiting the scope, and for those skilled in the art, other related drawings can be obtained from the drawings without inventive effort.
Fig. 1 is a schematic flow chart of a mobile payment method according to an embodiment of the present application.
Fig. 2 is a block diagram of an electronic device according to an embodiment of the present disclosure.
Icon: an electronic device-100; a processor-101; a memory-102.
Detailed Description
The technical solution in the embodiments of the present application will be described below with reference to the drawings in the embodiments of the present application.
Referring to fig. 1, an embodiment of the present application provides a mobile payment method, which can be implemented on an electronic device and includes the following steps.
Step S101, acquiring the biological characteristics of the user based on the biological information acquired by the in-ear microphone and/or the loudspeaker of the wireless earphone.
It is understood that, since the skull, cheek, etc. of the user can directly transmit the vibration of the vocal cords of the user to the in-ear microphone and/or the speaker of the wireless headset when the user speaks, the biological information collected by the in-ear microphone and/or the speaker of the wireless headset may be the vibration information of the vocal cords of the user (e.g., the vibration waveform of the vocal cords or the time domain signal corresponding to the vibration of the vocal cords, etc.). Optionally, the biological information collected by the in-ear microphone and/or the speaker of the wireless headset is vocal cord vibration information when the user issues a voice payment instruction containing a voiced sound; or the biological information collected by the microphone and/or the loudspeaker in the ear of the wireless earphone is vocal cord vibration information when the user sends a voice payment instruction containing vowels; or the biological information collected by the microphone and/or the loudspeaker in the ear of the wireless earphone is vocal cord vibration information when the user sends out a voice payment instruction containing voiced sound and vowel. Vocal cord vibration information can be conveniently acquired by an in-ear microphone and/or a loudspeaker of the wireless headset, because the vocal cord vibration can be more obvious through the voice payment instruction containing vowels and/or voiced sounds.
It is understood that, because there are many blood vessels in the human ear, the heartbeat information of the user can be transmitted to the in-ear microphone and/or the speaker of the wireless headset through the blood vessels, and therefore, the biological information collected by the in-ear microphone and/or the speaker of the wireless headset can also be the heartbeat information of the user (e.g., a heartbeat waveform, a time-domain signal corresponding to the heartbeat, etc.).
In one embodiment, the step S101 may be to perform an operation process on the biological information collected by the in-ear microphone and/or the speaker of the wireless headset to obtain the user biological characteristics, where the biological information is the vibration information of the vocal cords of the user, the user biological characteristics may be the vibration characteristics of the vocal cords, such as the vocal cord vibration amplitude, the vocal cord vibration frequency, and the like, and where the biological information is the user heartbeat information, the user biological characteristics may be the heartbeat characteristics, such as the heartbeat vibration amplitude, the heartbeat vibration frequency, the heartbeat timbre, the mel-frequency cepstrum coefficient MFCC of the heartbeat waveform, the perceptual linear prediction coefficient P L P, the depth characteristic, and the like.
Exemplarily, step S101 may include: acquiring biological information acquired by an in-ear microphone and/or a loudspeaker of the wireless earphone; and inputting the biological information into a pre-trained neural network to obtain the biological characteristics of the user. Due to the influences of the acquisition environment and the acquisition capacity of the equipment, the information acquired by the in-ear microphone and/or the loudspeaker of the wireless earphone each time may have slight deviation, and the biological information acquired by the in-ear microphone and/or the loudspeaker of the wireless earphone is input into the pre-trained neural network to obtain the biological characteristics of the user, so that the influences of the acquisition environment and the acquisition capacity of the equipment on the acquisition result can be eliminated, the accuracy of the obtained biological characteristics of the user is improved to a certain extent, and the safety of mobile payment is improved to a certain extent.
It is understood that the pre-trained neural network may be obtained by training the pre-set neural network model to converge by using a sample set containing information samples (vocal cord vibration information and/or heartbeat information of the user) corresponding to different acquisition environments and/or different device acquisition capabilities.
Illustratively, the user biometric feature is a user heartbeat feature, and the step S101 may include: the method comprises the steps of acquiring the biological characteristics of a user based on user real-time heartbeat information acquired by an in-ear microphone and/or a loudspeaker of a wireless earphone and body temperature and/or motion state information of the user acquired through wearable equipment. Because the motion state and/or the body temperature of the user have certain influence on the heartbeat information of the user, the accuracy of the acquired biological characteristics of the user can be improved to a certain extent by acquiring the biological characteristics of the user based on the real-time heartbeat information of the user acquired by the in-ear microphone and/or the loudspeaker of the wireless earphone and the body temperature and/or the motion state information of the user acquired by the wearable device.
Optionally, the obtaining of the user biometric characteristics based on the user real-time heartbeat information collected by the in-ear microphone and/or the speaker of the wireless headset and the body temperature and/or the motion state information of the user collected by the wearable device may include: acquiring user real-time heartbeat information acquired by an in-ear microphone and/or a loudspeaker of a wireless earphone and user body temperature and/or motion state information acquired by wearable equipment; and inputting the real-time heartbeat information of the user and the body temperature and/or motion state information of the user into a pre-trained neural network to obtain the biological characteristics of the user.
It can be understood that the pre-trained neural network can be obtained by training the pre-trained neural network to converge by using a sample set containing samples corresponding to different user real-time heartbeat information and different user body temperature and/or motion state information.
Illustratively, when the in-ear microphone of the wireless headset is a noise reduction microphone, the step S101 includes: acquiring biological information acquired by an in-ear microphone of the wireless earphone; adjusting the biological information to obtain adjusted biological information; and inputting the adjusted biological information into a pre-trained neural network to obtain the biological characteristics of the user. The information is adjusted, and the information can be compensated according to the noise reduction amount of different frequencies. In this embodiment, when the in-ear microphone of the wireless headset is the noise reduction microphone, the biological information collected by the in-ear microphone of the wireless headset is adjusted, so that the wireless headset can be prevented from filtering out the biological information (user vocal cord vibration information or user heartbeat information) collected by the noise reduction microphone and used for acquiring the biological characteristics of the user as noise, and further the influence of noise reduction on mobile payment is avoided.
For example, since parameters (e.g., sensitivity of a microphone, frequency response curve of the microphone, sensitivity of a speaker, frequency response curve of the speaker, shape, size, etc.) of different wireless headsets (even of the same model) may be slightly different, and may affect biological information collected by the in-ear microphone and/or the speaker of the wireless headset, thereby affecting biometric characteristics of a user obtained based on the biological information collected by the in-ear microphone and/or the speaker of the wireless headset, and further affecting security of mobile payment, step S101 may include: acquiring biological information acquired by an in-ear microphone and/or a loudspeaker of a wireless earphone and an equipment code of the wireless earphone; and inputting the biological information and the equipment code into a pre-trained neural network to obtain the biological characteristics of the user.
It is understood that the pre-trained neural network may be obtained by training the pre-trained neural network to converge using a sample set containing the bio-information collected by the in-ear microphone and/or speaker corresponding to the different wireless headset and the device-encoded samples of the different wireless headset.
In the foregoing embodiments, acquiring biological information collected by an in-ear microphone and/or a speaker of the wireless headset includes: and acquiring biological information acquired within the preset time of the payment instruction identified by the in-ear microphone of the wireless earphone. The biological information collected in the payment instruction preset time is identified by obtaining the in-ear microphone and/or the loudspeaker medium of the wireless earphone, so that the information amount required by the biological characteristics of the user can be ensured to be obtained, and the biological information collected by the in-ear microphone and/or the loudspeaker of the wireless earphone can be ensured to be obtained to the biological characteristics of the user.
And S102, comparing the biological characteristics of the user with the biological characteristics of the pre-stored associated financial account.
It is understood that when the user biometric characteristic is a vocal cord vibration characteristic of the user, the biometric characteristic of the pre-stored associated financial account is a vocal cord vibration characteristic of the pre-stored associated financial account. When the biological characteristics of the user are vocal cord vibration characteristics when the user sends out a voice payment instruction containing voiced sound, the biological characteristics of the pre-stored associated financial account are vocal cord vibration characteristics when the user of the pre-stored associated financial account sends out the voice payment instruction containing voiced sound; or when the biological characteristics of the user are vocal cord vibration characteristics when the user sends a voice payment instruction containing vowels, the biological characteristics of the pre-stored associated financial account are vocal cord vibration characteristics when the user of the pre-stored associated financial account sends the voice payment instruction containing vowels; alternatively, when the user biometric characteristic is a vocal cord vibration characteristic when the user issues a voice payment instruction containing a voiced sound and a vowel sound, the pre-stored biometric characteristic of the associated financial account is a vocal cord vibration characteristic when the user of the pre-stored associated financial account issues a voice payment instruction containing a voiced sound and a vowel sound.
And when the biological characteristic of the user is the heartbeat characteristic of the user, the biological characteristic of the pre-stored associated financial account is the heartbeat characteristic of the pre-stored associated financial account.
And step S103, generating and sending a settlement instruction to a settlement system corresponding to the financial account when the biological characteristics of the user are determined to be the same as the biological characteristics of the pre-stored associated financial account.
It is to be understood that the user biometric and the pre-stored biometric of the associated financial account are not limited to the user biometric and the pre-stored biometric of the associated financial account being identical, and the user biometric and the pre-stored biometric of the associated financial account may be determined to be identical as long as the user biometric matches the pre-stored biometric of the associated financial account by more than a predetermined value (e.g., 75%, 80%, 85%, 90%, 95%, etc.).
The mobile payment method provided by the embodiment of the application realizes mobile payment based on the biological information collected by the in-ear microphone and/or the loudspeaker of the wireless earphone, and is different from fingerprint payment and face recognition payment, so that the diversity of mobile payment can be improved to a certain extent, and the mobile life is more convenient.
It is understood that the mobile payment method further comprises: based on biological information (for example, sound emitted by a user during payment) collected by an ear microphone of the wireless earphone, carrying out voiceprint recognition to obtain a voiceprint of the user; comparing the voiceprint of the user with a pre-stored voiceprint; and generating and sending the settlement instruction to a settlement system corresponding to the financial account when the biological characteristics of the user are determined to be the same as the biological characteristics of the pre-stored associated financial account and the voiceprint of the user is determined to be the same as the pre-stored voiceprint. In this embodiment, the security of mobile payment can be improved by combining voiceprint comparison and user biometric comparison.
It can be understood that, for the problem that the information collected by the in-ear microphone and/or the speaker of the wireless headset is influenced, possibly due to the difference of parameters (e.g., the sensitivity of the microphone, the frequency response curve of the microphone, the sensitivity of the speaker, the frequency response curve of the speaker, the shape, the size, etc. of the headset head) between different wireless headsets (even of the same model), so as to influence the biometric features of the user obtained based on the information collected by the in-ear microphone and/or the speaker of the wireless headset, and thus influence the security of the mobile payment, the mobile payment method further comprises: acquiring a device code of the wireless headset; comparing the equipment code with a pre-stored equipment code; and generating and sending the settlement instruction to a settlement system corresponding to the financial account when the biological characteristics of the user are determined to be the same as the biological characteristics of the pre-stored associated financial account and the equipment code is determined to be the same as the pre-stored equipment code. In this embodiment, the security of mobile payment can be improved by the device code comparison in combination with the user biometric comparison.
Based on the same inventive concept, please refer to fig. 2, an embodiment of the present application further provides an electronic device 100, which includes a processor 101 and a memory 102, where the memory stores computer-readable instructions, and the computer-readable instructions, when executed by the processor, cause the processor to execute the mobile payment method according to any one of the foregoing embodiments.
In one embodiment, the electronic device 100 is a wireless headset. The electronic device 100 further comprises an in-ear microphone and/or a speaker connected to the processor 101 and the memory 102 for collecting vocal cord vibration information and/or heartbeat information of the user and transmitting the collected biological information to the processor 101, so that the processor 101 executes the computer readable instructions stored in the memory 102 to implement the mobile payment method according to any of the previous embodiments. It will be appreciated that the speaker may be enabled to capture vocal cord vibration information of the user and/or heartbeat information of the user by connecting a capture circuit (e.g., in series with a resistor) between the analog-to-digital converter of the wireless headset and the speaker.
In this embodiment, the electronic device 100 may further include an ear microphone connected to the processor 101 and the memory 102. The off-ear microphone may be a talk microphone or a feed-forward microphone of the noise reduction headset. The processor 101 performs voiceprint recognition based on biological information acquired by the microphone outside the ear or the loudspeaker of the wireless earphone, and acquires a voiceprint of the user; comparing the voiceprint of the user with a pre-stored voiceprint; and generating and sending the settlement instruction to a settlement system corresponding to the financial account when the biological characteristics of the user are determined to be the same as the biological characteristics of the pre-stored associated financial account and the voiceprint of the user is determined to be the same as the pre-stored voiceprint. Optionally, the electronic device 100 may further comprise a bone sensor. An in-ear microphone and/or bone sensor may be used for Voice Activity Detection (VAD). When the in-ear microphone or the bone sensor detects the voice of the user, the out-of-ear microphone starts to collect the voice of the user, so that the out-of-ear microphone is not always in a collection state, and the power consumption of the wireless earphone is further reduced.
In this embodiment, the electronic device 100 may be communicatively connected to a smart terminal (e.g., a mobile phone, a tablet computer, etc.) and/or a server. Communication connection between the electronic device 100 and the server can be achieved through modes such as WIFI, 3G, 4G, and 5G networks, and communication connection between the electronic device 100 and the intelligent terminal can be achieved through modes such as bluetooth and WIFI. Before generating and sending a settlement instruction to a settlement system corresponding to the financial account, a processor 101 of the electronic device 100 sends biological information acquired by an in-ear microphone and/or a loudspeaker of the wireless headset to an intelligent terminal or a server, and the intelligent terminal or the server acquires a biological characteristic of a user based on the biological information acquired by the in-ear microphone and/or the loudspeaker of the wireless headset; comparing the acquired biological characteristics of the user with the biological characteristics of the pre-stored associated financial account, feeding back a confirmation instruction to the processor 101 of the electronic device 100 when the biological characteristics of the user are determined to be the same as the biological characteristics of the pre-stored associated financial account, and generating and sending a settlement instruction to a settlement system corresponding to the financial account after the processor 101 receives the confirmation instruction.
In another embodiment, the electronic device 100 is a smart terminal, such as a mobile phone or a tablet computer, communicatively connected to a wireless headset, or a server communicatively connected to a wireless headset. The intelligent terminal or the server receives the biological information (user vocal cord vibration information and/or user heartbeat information) collected by the in-ear microphone of the wireless headset and/or the server, and then the mobile payment method of any one of the embodiments is implemented.
It can be understood that, in order to make the description concise, the same or similar parts may refer to the contents of the mobile payment method embodiment part and will not be described herein again when the electronic device 100 provided in the present application is used to execute the mobile payment method provided in the present application.
Based on the same inventive concept, an embodiment of the present application further provides a mobile payment system, which is used for implementing the mobile payment method described in any of the foregoing embodiments. The mobile payment system comprises a wireless earphone and an intelligent terminal (such as a mobile phone, a tablet computer and the like) in communication connection with the wireless earphone. The communication connection between the wireless earphone and the intelligent terminal can be realized through modes such as Bluetooth, WIFI and the like.
The wireless earphone can acquire the biological characteristics of the user based on the information acquired by the in-ear microphone and/or the loudspeaker, and then send the biological characteristics of the user to the intelligent terminal, and the intelligent terminal can compare the acquired biological characteristics of the user with the biological characteristics of the pre-stored associated financial account after acquiring the biological characteristics of the user; and generating and sending a settlement instruction to a settlement system corresponding to the financial account when the biological characteristics of the user are determined to be the same as the biological characteristics of the pre-stored associated financial account.
The mobile payment system may further include a server communicatively connected to the intelligent terminal. The communication connection between the intelligent terminal and the server can be realized through modes such as WIFI, 3G, 4G and 5G networks. The wireless earphone collects information (vocal cord vibration information of the user and/or heartbeat information of the user) through the microphone and/or the loudspeaker in the ear, and sends the collected biological information to the intelligent terminal. After receiving the information, the intelligent terminal executes the step of acquiring the biological characteristics of the user based on the information acquired by the in-ear microphone and/or the loudspeaker in any embodiment, and sends the acquired biological characteristics of the user to the server. After receiving the user biological characteristics, the server compares the acquired user biological characteristics with the biological characteristics of the pre-stored associated financial account in the embodiment; and generating and sending a settlement instruction to a settlement system corresponding to the financial account when the biological characteristics of the user are determined to be the same as the biological characteristics of the pre-stored associated financial account.
The server can also be directly in communication connection with the wireless earphone through modes such as WIFI, 3G, 4G and 5G networks. The wireless earphone can acquire information based on the in-ear microphone and/or the loudspeaker, and after the biological characteristics of the user are acquired, the biological characteristics of the user are sent to the server, and the server finishes the comparison of the acquired biological characteristics of the user and the pre-stored biological characteristics of the associated financial account in any one of the embodiments after the biological characteristics of the user are acquired; and generating and sending a settlement instruction to a settlement system corresponding to the financial account when the biological characteristics of the user are determined to be the same as the biological characteristics of the pre-stored associated financial account.
It can be understood that, in order to make the description concise, the same or similar parts may refer to the contents of the mobile payment method embodiment part, and details are not repeated herein.
Based on the same inventive concept, an embodiment of the present application further provides a non-volatile readable storage medium storing computer readable instructions, which when executed by a processor, cause the processor to execute the mobile payment method according to any one of the foregoing embodiments.
The above description is only an example of the present application and is not intended to limit the scope of the present application, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application.
Claims (10)
1. A mobile payment method, comprising:
acquiring the biological characteristics of a user based on biological information acquired by an in-ear microphone and/or a loudspeaker of the wireless earphone;
comparing the user biological characteristics with the biological characteristics of a pre-stored associated financial account;
and generating and sending a settlement instruction to a settlement system corresponding to the financial account when the fact that the user biological characteristics are the same as the pre-stored biological characteristics of the associated financial account is determined.
2. The mobile payment method according to claim 1, wherein the biological information is vibration information of user vocal cords, the user biological characteristics are vibration characteristics of user vocal cords, and the pre-stored biological characteristics of the associated financial account are vocal cord vibration characteristics of the pre-stored associated financial account; or the biological information is heartbeat information of the user, the biological characteristic of the user is heartbeat characteristics of the user, and the pre-stored biological characteristic of the associated financial account is heartbeat characteristics of the pre-stored associated financial account.
3. The mobile payment method according to claim 1, wherein the user biological feature is a heartbeat feature of the user, and the obtaining the user biological feature based on biological information collected by an in-ear microphone and/or a loudspeaker of the wireless headset comprises:
and acquiring the biological characteristics of the user based on the real-time heartbeat information of the user acquired by the in-ear microphone and/or the loudspeaker of the wireless earphone and the body temperature and/or motion state information of the user acquired by the wearable equipment.
4. The mobile payment method of claim 1, wherein the obtaining of the user biometric features based on the biometric information collected by the in-ear microphone and/or the speaker of the wireless headset comprises:
acquiring biological information acquired by an in-ear microphone and/or a loudspeaker of the wireless earphone;
and inputting the biological information into a pre-trained neural network to obtain the biological characteristics of the user.
5. The mobile payment method of claim 1, wherein the in-ear microphone of the wireless headset is a noise reduction microphone, and the obtaining of the user biometric features based on the biometric information collected by the in-ear microphone of the wireless headset comprises:
acquiring biological information acquired by an in-ear microphone of the wireless earphone;
adjusting the biological information to obtain adjusted biological information;
and inputting the adjusted biological information into a pre-trained neural network to obtain the biological characteristics of the user.
6. The mobile payment method according to any one of claims 4 or 5, wherein the acquiring of the biological information collected by the in-ear microphone and/or the speaker of the wireless headset comprises:
and acquiring biological information acquired within the preset time of the payment instruction identified by the in-ear microphone of the wireless earphone.
7. The mobile payment method of claim 1, further comprising:
based on the biological information collected by the microphone outside the ear of the wireless earphone, carrying out voiceprint recognition to obtain the voiceprint of the user;
comparing the voiceprint of the user with a pre-stored voiceprint;
and generating and sending the settlement instruction to a settlement system corresponding to the financial account when the biological characteristics of the user are determined to be the same as the biological characteristics of the pre-stored associated financial account and the voiceprint of the user is determined to be the same as the pre-stored voiceprint.
8. The mobile payment method of claim 1, further comprising:
acquiring a device code of the wireless headset;
comparing the equipment code with a pre-stored equipment code;
and generating and sending the settlement instruction to a settlement system corresponding to the financial account when the biological characteristics of the user are determined to be the same as the biological characteristics of the pre-stored associated financial account and the equipment code is determined to be the same as the pre-stored equipment code.
9. An electronic device comprising a processor and a memory, the memory storing computer readable instructions that, when executed by the processor, cause the processor to perform the mobile payment method of any one of claims 1 to 8.
10. A non-transitory readable storage medium storing computer readable instructions that, when executed by a processor, cause the processor to perform the mobile payment method of any one of claims 1 to 8.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010184403.1A CN111401912A (en) | 2020-03-16 | 2020-03-16 | Mobile payment method, electronic device and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010184403.1A CN111401912A (en) | 2020-03-16 | 2020-03-16 | Mobile payment method, electronic device and storage medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN111401912A true CN111401912A (en) | 2020-07-10 |
Family
ID=71430905
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202010184403.1A Pending CN111401912A (en) | 2020-03-16 | 2020-03-16 | Mobile payment method, electronic device and storage medium |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN111401912A (en) |
Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104869490A (en) * | 2014-02-21 | 2015-08-26 | 中国银联股份有限公司 | Remote payment method based on wireless earphone with mobile payment function |
| CN105933274A (en) * | 2016-02-22 | 2016-09-07 | 中国银联股份有限公司 | Payment method and device |
| CN106296204A (en) * | 2015-05-13 | 2017-01-04 | 广州杰赛科技股份有限公司 | A kind of convenient shopping and method of mobile payment |
| CN107393541A (en) * | 2017-08-29 | 2017-11-24 | 百度在线网络技术（北京）有限公司 | Information Authentication method and apparatus |
| CN109034828A (en) * | 2018-09-02 | 2018-12-18 | 珠海横琴现联盛科技发展有限公司 | For the Application on Voiceprint Recognition payment information method for anti-counterfeit of recording |
| CN110472980A (en) * | 2019-08-19 | 2019-11-19 | 广州织点智能科技有限公司 | A kind of brush face method of payment, device, electronic equipment and storage medium |
-
2020
- 2020-03-16 CN CN202010184403.1A patent/CN111401912A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104869490A (en) * | 2014-02-21 | 2015-08-26 | 中国银联股份有限公司 | Remote payment method based on wireless earphone with mobile payment function |
| CN106296204A (en) * | 2015-05-13 | 2017-01-04 | 广州杰赛科技股份有限公司 | A kind of convenient shopping and method of mobile payment |
| CN105933274A (en) * | 2016-02-22 | 2016-09-07 | 中国银联股份有限公司 | Payment method and device |
| CN107393541A (en) * | 2017-08-29 | 2017-11-24 | 百度在线网络技术（北京）有限公司 | Information Authentication method and apparatus |
| CN109034828A (en) * | 2018-09-02 | 2018-12-18 | 珠海横琴现联盛科技发展有限公司 | For the Application on Voiceprint Recognition payment information method for anti-counterfeit of recording |
| CN110472980A (en) * | 2019-08-19 | 2019-11-19 | 广州织点智能科技有限公司 | A kind of brush face method of payment, device, electronic equipment and storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| EP3682651B1 (en) | Low latency audio enhancement | |
| US10856070B2 (en) | Throat microphone system and method | |
| US20150168996A1 (en) | In-ear wearable computer | |
| KR101810806B1 (en) | Controlling a speech recognition process of a computing device | |
| CN101510905A (en) | Method and apparatus for multi-sensory speech enhancement on a mobile device | |
| CN110223711B (en) | Microphone signal based voice interaction wake-up electronic device, method, and medium | |
| CN110097875B (en) | Microphone signal based voice interaction wake-up electronic device, method, and medium | |
| US11842736B2 (en) | Subvocalized speech recognition and command execution by machine learning | |
| CN103730122A (en) | Voice converting apparatus and method for converting user voice thereof | |
| US20170364516A1 (en) | Linguistic model selection for adaptive automatic speech recognition | |
| CN111475206A (en) | Method and apparatus for waking up wearable device | |
| JP2009178783A (en) | Communication robot and its control method | |
| JP2012230535A (en) | Electronic apparatus and control program for electronic apparatus | |
| CN110111776A (en) | Interactive voice based on microphone signal wakes up electronic equipment, method and medium | |
| WO2022199405A1 (en) | Voice control method and apparatus | |
| CN111149172B (en) | Emotion management method, device and computer-readable storage medium | |
| JP6268916B2 (en) | Abnormal conversation detection apparatus, abnormal conversation detection method, and abnormal conversation detection computer program | |
| CN111065032A (en) | Method for operating a hearing instrument and hearing system comprising a hearing instrument | |
| CN111415442A (en) | Access control method, electronic device and storage medium | |
| WO2019041871A1 (en) | Voice object recognition method and device | |
| CN114067782A (en) | Audio recognition method and device, medium and chip system thereof | |
| WO2020240169A1 (en) | Detection of speech | |
| CN111401912A (en) | Mobile payment method, electronic device and storage medium | |
| CN113948109B (en) | System for recognizing physiological phenomenon based on voice | |
| JP2012230534A (en) | Electronic apparatus and control program for electronic apparatus |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |