CN112669030A - Mobile payment method, device, equipment and storage medium - Google Patents

Mobile payment method, device, equipment and storage medium Download PDF

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Publication number
CN112669030A
CN112669030A CN202011613572.9A CN202011613572A CN112669030A CN 112669030 A CN112669030 A CN 112669030A CN 202011613572 A CN202011613572 A CN 202011613572A CN 112669030 A CN112669030 A CN 112669030A
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terminal
current terminal
payment
target
voice
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Inventor
宋轩
颜秋阳
张浩然
陈达寅
赵奕丞
江亦凡
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Southwest University of Science and Technology
Southern University of Science and Technology
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Southwest University of Science and Technology
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Priority to CN202011613572.9A priority Critical patent/CN112669030A/en
Publication of CN112669030A publication Critical patent/CN112669030A/en
Priority to PCT/CN2021/116603 priority patent/WO2022142441A1/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06N—COMPUTING ARRANGEMENTS BASED ON SPECIFIC COMPUTATIONAL MODELS
    • G06N20/00—Machine learning
    • 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
    • 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
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W8/00—Network data management

Abstract

The embodiment of the application discloses a mobile payment method, a device, equipment and a storage medium, wherein the method comprises the following steps: determining at least one target terminal which has close contact relation with the current terminal according to the Bluetooth associated information of the current terminal; transferring payment to a target account of at least one target terminal; through the technical scheme, efficient wireless data transmission is achieved based on a close contact relation of the current terminal and the target terminal under the condition that the two-dimensional code is not scanned or the target account is manually input, so that the transfer payment can be successfully acquired by the target account of the transfer payment, and the safety and convenience of mobile payment are improved.

Description

Mobile payment method, device, equipment and storage medium
Technical Field
The embodiment of the application relates to the technical field of communication, in particular to a mobile payment method, a device, equipment and a storage medium.
Background
With the rapid development of the internet, the explosive growth of mobile payment appears, and the mobile payment becomes an important guarantee force for the economic development of the internet. Under the large background of rapid development of mobile payment, the mobile payment is widely concerned by various social circles by virtue of unique product functions, and the market development potential is huge. Compared with the traditional network payment (namely the network payment of a bank mechanism, and the 'internet bank' is taken as a main mode), the mobile payment (namely a non-bank mechanism) allows a user to directly pay for the consumption behavior of the user by using the mobile terminal, and has the advantages of convenience, interactivity and versatility, low transaction cost and outstanding marketing capacity.
With the widespread use of mobile payment, the number of mobile payment viruses is also increasing, including "pseudo-naobao" viruses, "bank thieves" and "ascaris rochei" and other series of payment viruses, especially the later payment viruses that can monitor keyboard input, which can monitor the characteristics of the mobile phone user payment account password input information at the background, becoming a signal for stimulating the high-risk evolution of the payment viruses.
Generally, mobile payment is mainly realized by scanning a two-dimensional code. In the process of mobile payment, a user needs to draw out a mobile phone from a pocket, and the payment can be completed only after a payment account and a payment password are input through a series of operations, so that the convenience of the mobile payment is still further improved. Meanwhile, potential safety hazard problems exist when the payment code and the payment account information are presented.
Disclosure of Invention
The application provides a mobile payment method, a mobile payment device, mobile payment equipment and a storage medium, so that the safety and convenience of mobile payment are improved.
In a first aspect, an embodiment of the present application provides a mobile payment method, where the method includes:
determining at least one target terminal which has close contact relation with the current terminal according to the Bluetooth associated information of the current terminal;
and carrying out transfer payment to a target account of at least one target terminal.
In a second aspect, an embodiment of the present application further provides a mobile payment device, where the mobile payment device includes:
the target terminal determining module is used for determining at least one target terminal which has close contact relation with the current terminal according to the Bluetooth related information of the current terminal;
and the transfer payment module is used for carrying out transfer payment to at least one target account of the target terminal.
In a third aspect, an embodiment of the present application further provides an electronic device, where the device includes:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement any one of the mobile payment methods as provided by embodiments of the first aspect.
In a fourth aspect, the present application further provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements any one of the mobile payment methods provided in the embodiments of the first aspect.
According to the embodiment of the application, after at least one target terminal which is in close contact with the current terminal is determined according to the Bluetooth related information of the current terminal, transfer payment is carried out on the target account of at least one target terminal in the target terminals, and high-efficiency wireless data transmission is carried out based on the close contact relation of the current terminal and the target terminal under the condition that the two-dimensional code is not scanned or the target account is manually input, so that the transfer payment can be successfully obtained from the target account of the transfer payment, and the safety and convenience of mobile payment are improved.
Drawings
Fig. 1 is a flowchart of a mobile payment method according to an embodiment of the present application;
fig. 2 is a flowchart of a mobile payment method provided in the second embodiment of the present application;
fig. 3 is a flowchart of a mobile payment method provided in the third embodiment of the present application;
fig. 4 is a flowchart of a voiceprint recognition process provided in the third embodiment of the present application;
fig. 5 is a flowchart of a mobile payment method provided in the fourth embodiment of the present application;
fig. 6 is a block diagram of a mobile payment device according to a fifth embodiment of the present application;
fig. 7 is a structural diagram of an electronic device according to a sixth embodiment of the present application.
Detailed Description
The present application will be described in further detail with reference to the following drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the application and are not limiting of the application. It should be further noted that, for the convenience of description, only some of the structures related to the present application are shown in the drawings, not all of the structures.
Example one
Fig. 1 is a flowchart of a mobile payment method according to an embodiment of the present application. The embodiment can be applied to the condition that transfer payment is carried out on the target account without scanning the two-dimensional code or manually inputting the target account during near-field payment. The method may be performed by a mobile payment apparatus, which may be implemented by software and/or hardware, and is specifically configured in an electronic device, which may be a mobile terminal or a fixed terminal. Referring to fig. 1, a mobile payment method provided in an embodiment of the present application includes:
s110, determining at least one target terminal having close contact relation with the current terminal according to the Bluetooth related information of the current terminal.
The terminal is a payment terminal with a bluetooth function, and the terminal can be a mobile terminal and/or a fixed terminal. Specific types of terminals typically include, but are not limited to, bluetooth enabled smartwatches, cell phones, computers, and the like. The payment terminal with the bluetooth function may be a payment terminal supporting a classic bluetooth function, or may be a payment terminal supporting a low-power-consumption bluetooth function, which is not limited in the embodiments of the present application.
It should be noted that, when implementing the mobile payment method of the present application, each terminal needs to be in a state of turning on bluetooth. Generally, after any terminal with a bluetooth function starts bluetooth, a bluetooth broadcast data packet is sent to the surroundings, and because the bluetooth broadcast data packet contains terminal-related information, when other surrounding terminals start bluetooth to perform inquiry scanning, the existence of the terminal can be found.
Wherein, the current terminal refers to a terminal with a transfer payment requirement.
When a wireless connection is made using bluetooth functionality, a master role and a slave role are typically assigned. When the current terminal is used as a main role and any other terminal around the current terminal is used as a slave role, when the current terminal starts the bluetooth for inquiry and scanning, the current terminal receives broadcast data packets sent by other terminals around the current terminal, and then obtains an RSSI (Received Signal Strength Indication) value, namely the bluetooth Signal Strength, corresponding to the Received broadcast data packets at a system interface of the current terminal. A terminal with Bluetooth function, which can switch between the two roles and work in a role mode at ordinary times to wait for other terminals to connect; when data transmission is required, the mode is switched to a main role mode so as to initiate a call to other terminals.
The bluetooth associated information of the current terminal is data information required for calculating the contact distance between the master device and the slave device by taking the current terminal as the master device and other terminals around the current terminal as slave roles. The contact distance between the current terminal and other terminals is related to factors such as Bluetooth signal strength, signal propagation index and environmental attenuation factor.
The close contact relation refers to a contact relation under the condition that the contact distance between the current terminal and other terminals around the current terminal is smaller than a preset contact threshold value. The preset contact threshold value can be preset according to the actual mobile payment requirement. It can be understood that, in the case that the current terminal and the target terminal have a close contact relationship, the actual distances between the current terminal and the target terminal are relatively close.
The target terminal is a terminal which is determined to have close contact relation with the current terminal according to the contact distance between the current terminal and other terminals in other terminals around the current terminal, and the terminal is also called as the target terminal. It can be understood that when the current terminal starts bluetooth for inquiry scanning, there may be a plurality of target terminals meeting the close contact relationship with the current terminal at the same time.
Alternatively, the contact distance between the current terminal and the other terminals may be calculated by the following ranging formula:
Figure BDA0002873617100000051
wherein d represents the contact distance between the current terminal and other terminals, RSSI represents the Bluetooth signal strength of other surrounding terminals received by the current terminal, a represents the signal strength when the current terminal is separated from other terminals by one meter, and n represents an environment attenuation factor. Since the positions of other surrounding terminals cannot be accurately obtained, where a and n are constants, they can be set according to empirical values.
Considering that the calculation result of the contact distance is very unstable depending on the bluetooth signal intensity, and is easily interfered by various factors such as the environment and the terminal itself. It is understood that the determination of whether the current terminal has a close contact relationship with other terminals based on the calculation result of the unstable contact distance will also be inaccurate.
Optionally, by using a deep learning method, a basic data set is constructed from at least one of related variables such as bluetooth signal intensity, terminal model type information, terminal activation state information, terminal movement state information, terminal audio frequency state information, and the like, and a pre-constructed deep learning model is trained according to the constructed basic data set to obtain a close contact monitoring model for judging close contact relationships, so that the accuracy and stability of judging the close contact relationships are improved. Wherein, the deep learning model can be constructed based on the neural network model.
It can be understood that, in the case that the current terminal and the target terminal have a close contact relationship, the current terminal and the target terminal can perform wireless communication via bluetooth within a short distance, so as to perform secure and efficient transmission of data, such as transmission of data of documents, voice, video, and the like.
And S120, transferring payment to a target account of at least one target terminal.
The target account is used for receiving the transfer payment amount of the current terminal. The target account includes but is not limited to a bank card account or a third party payment platform account, etc.
Optionally, a manual confirmation mode is adopted, and a target terminal for transferring payment is selected in an operation interface of the current terminal.
Or alternatively, in the case that the current terminal and the target terminal have close contact relationship, the transfer payment is directly made to the target account of the target terminal based on the target account designated in the current terminal in advance.
Or optionally, acquiring a voice payment instruction of the current terminal; based on the voice payment instruction of the current terminal, text information in the voice payment instruction is segmented by adopting a natural language processing mode; matching a target terminal identification of the transfer payment to be carried out by the current terminal based on the segmentation result; and matching the target terminal for transferring payment according to the target terminal identification. Wherein, the voice payment instruction is sent by the user using the current terminal or the authorized user.
It can be understood that, under the condition that the current terminal and the target terminal have close contact relationship, the current terminal selects at least one target terminal to be subjected to transfer payment, and acquires a target account required for the transfer payment based on the Bluetooth communication connection established between the current terminal and the target terminal, so that the purpose of performing mobile payment on the target account of the target terminal is further completed according to the target account.
According to the embodiment of the application, after at least one target terminal which is in close contact with the current terminal is determined according to the Bluetooth related information of the current terminal, transfer payment is carried out on the target account of at least one target terminal in the target terminals, and high-efficiency wireless data transmission is carried out based on the close contact relation of the current terminal and the target terminal under the condition that the two-dimensional code is not scanned or the target account is manually input, so that the transfer payment can be successfully obtained from the target account of the transfer payment, and the safety and convenience of mobile payment are improved.
Example two
Fig. 2 is a flowchart of a mobile payment method provided in the second embodiment of the present application, and this embodiment is an optimization of the above-mentioned scheme based on the above-mentioned embodiment. In the embodiments of the present application, explanations of the same or corresponding terms as those of the above-described embodiments are omitted. Referring to fig. 2, a mobile payment method provided in this embodiment includes:
s210, inputting the Bluetooth related information of the current terminal into the trained joint sealing monitoring model, and determining the close contact result of the current terminal and each candidate terminal.
The candidate terminal refers to other terminals which start the Bluetooth function around the current terminal.
Optionally, the bluetooth association information includes bluetooth signal strength and terminal additional information.
The bluetooth signal strength is an RSSI value corresponding to a broadcast data packet received from another terminal when the current terminal starts bluetooth to perform inquiry scan on other terminals starting bluetooth around for the current terminal.
The terminal additional information is additional information that has an influence on determining whether or not the current terminal and each candidate terminal have a close contact relationship with respect to the current terminal and/or the candidate terminals.
Optionally, the terminal additional information includes at least one of terminal activation state information, terminal movement state information, terminal model type information, terminal audio state information, and the like.
The terminal activation state information indicates whether the terminal is shielded or not. For example, when the terminals are placed in a bag or a pocket, there is a high probability that the terminals are shielded by obstacles such as clothes, bags, human bodies and the like, and the terminal screen is in an inactive state; when the terminal is operated, the probability that the terminals are shielded is small, and the terminal is in an activated state.
The terminal model type information refers to the type information of the terminal, and the radar transmitting power of the terminal is different according to different types of the terminal. For example, the radar transmission power of the mobile phone with the apple operating system is significantly higher than that of the mobile phone with the android system, and the radar transmission power is closely related to the bluetooth signal strength.
The terminal movement state information refers to a movement state of the terminal itself, such as whether the terminal is stationary or moving or not, whether the terminal is moving at a certain acceleration or not, and the like. The terminal audio state information refers to an audio decibel value of the terminal. According to actual research and experiments, the terminal mobile state information and the terminal audio state information have certain influence on judgment of close contact relation in different scenes.
It can be understood that, the close contact relation is judged by simply depending on the strength of the bluetooth signal, the judgment result is very unstable, and the judgment result is easily interfered by various factors such as the environment and the terminal. In different use states, the terminal has different additional information, such as terminal activation state information, terminal movement state information, terminal audio state information, and the like, which have a great influence on the close contact relationship determination. Therefore, taking the above-described factors related to the determination of the close contact relationship into consideration, the accuracy of the determination result of the close contact relationship will be further effectively improved.
The contact monitoring model is a trained model capable of judging the close contact relationship between the current terminal and each candidate terminal.
Illustratively, in the training phase of the contact monitoring model, the following method can be adopted: 1) data collection: and acquiring a plurality of groups of data sets which influence the close contact relationship under different scenes, wherein the data sets comprise Bluetooth signal strength, terminal activation state information, terminal movement state information, terminal audio state information and the like. 2) Data set partitioning: the data set is divided into two types, namely close contact and non-close contact, by adopting a manual calibration method. 3) Network construction: and determining input, output, hidden layer and related parameters of the network, and establishing a joint sealing monitoring model based on the deep neural network. 4) Model training: and training the joint sealing monitoring model for multiple times based on a supervised learning method until obtaining a joint sealing monitoring model which can judge the close contact relation more stably and accurately.
Optionally, before training the contact monitoring model, correlation analysis is performed on variables such as bluetooth signal strength, terminal activation state information, terminal movement state information, terminal model class information, and terminal audio state information based on a correlation analysis method such as correlation coefficient, information gain, chi-square test, and the like, so as to determine a variable having a higher correlation with the close contact relationship. It can be understood that, by performing correlation analysis on the variables, the trained joint monitoring model can ensure higher accuracy in determining the close contact relationship.
Optionally, when the bluetooth is started, each terminal can upload the state information of the terminal itself to the background management server in real time; the background management server stores a pre-trained joint sealing monitoring model, when the current terminal starts Bluetooth scanning, the background management server can judge the close contact relation of other terminals around the current terminal, and transmits the close contact result to the current terminal. It is understood that various sensors are installed in each terminal for monitoring the state of the terminal itself, for example, an acceleration sensor, an optical fiber sensor, and the like are installed in the terminal.
It can be understood that the contact monitoring model established based on the machine learning method can comprehensively take various factors related to the contact relationship into consideration, has strong parallel distribution processing capability and learning capability, and can stably and accurately judge the contact relationship.
And S220, selecting at least one candidate terminal as a target terminal according to the close contact result.
Optionally, according to the close contact result, selecting a target terminal for transferring payment in an operation interface of the current terminal in a manual confirmation mode.
Or optionally, when at least one candidate terminal is selected as the target terminal according to the close contact result, acquiring a voice payment instruction of the current terminal; based on the voice payment instruction of the current terminal, text information in the voice payment instruction is segmented by adopting a natural language processing mode; and matching the target terminal identification of the transfer payment to be carried out by the current terminal based on the segmentation result. Wherein the voice payment instruction is issued by the user of the current terminal. Further, according to the target terminal identification, at least one target terminal is matched in the target terminals which have close contact relation with the current terminal.
Optionally, the voice payment instruction comprises a target terminal identifier; and/or the voice payment instruction comprises a target terminal identification and a transfer amount; and/or the voice payment instruction comprises a target terminal identification, a transfer amount and target account information; and/or the voice payment instruction comprises a target terminal identification, a transfer amount, target account information and additional remark information.
The format of the voice payment instruction can be preset, for example, the format of the voice payment instruction is "transfer to the terminal of [ destination terminal identifier", "how much money is transferred to the terminal of [ destination terminal identifier", and "how much money is transferred to the terminal of [ destination terminal identifier ], and the like, and meanwhile, transfer remark information such as remark description of transfer amount can be added at the end of the voice payment instruction to explain the transfer behavior of transfer amount. The target terminal identification can be a user name of a target terminal account; the account identifier may be at least one of an account category, an account name, an account opening number, and the like.
It can be understood that, by presetting the format of the voice payment instruction, the effect of accurately identifying the voice payment instruction can be achieved, so that the selection of the target terminal is further ensured.
And S230, transferring payment to a target account of at least one target terminal.
Optionally, the transfer payment operation of the target terminal is completed in an operation interface of the current terminal in a manual payment mode.
Or optionally, based on the secret payment exempting behavior preset in the current terminal, after at least one target terminal is specified in the operation interface of the current terminal, the transfer payment operation of the target terminal is automatically completed.
Or optionally, before transferring payment to a target account of at least one target terminal, acquiring a voice payment instruction of the current terminal; determining a target terminal to be subjected to transfer payment through a target terminal identifier in the voice payment instruction; and based on the biological characteristics of the user to which the current terminal belongs, the biological characteristics are used as biological payment passwords, and the transfer payment operation of the target terminal is automatically completed in an operation interface of the current terminal. The biological features may be human faces, pupils, sounds, and the like. The method has the advantages that the biological characteristics of the user to which the current terminal belongs are used as the payment password, the transfer payment operation of the target terminal can be completed under the condition that the password is not required to be manually input, and the safe and convenient mobile payment which really liberates both hands is realized.
The method comprises the steps that Bluetooth related information of a current terminal is input into a pre-trained joint sealing monitoring model, the results of close contact between the current terminal and each candidate terminal are determined, and transfer payment is conducted to a target account of at least one target terminal after at least one candidate terminal is selected as the target terminal according to the close contact results; on the basis of the embodiment, the close contact monitoring model is adopted, the close contact judging mode is further optimized, and the effect that the current terminal can safely and quickly carry out mobile payment on the target account of the target terminal is guaranteed.
EXAMPLE III
Fig. 3 is a flowchart of a mobile payment method provided in the third embodiment of the present application, and this embodiment is an optimization of the above-mentioned scheme based on the above-mentioned embodiments. In the embodiments of the present application, explanations of the same or corresponding terms as those of the above-described embodiments are omitted. Explanations of the same or corresponding terms as those of the above embodiments are omitted. Referring to fig. 3, a mobile payment method provided in this embodiment includes:
s310, inputting the Bluetooth related information of the current terminal into the trained joint sealing monitoring model, and determining the close contact result of the current terminal and each candidate terminal.
Optionally, the bluetooth association information includes bluetooth signal strength and terminal additional information.
Optionally, the terminal additional information includes at least one of terminal activation state information, terminal movement state information, terminal model type information, and terminal audio state information.
And S320, selecting at least one candidate terminal as a target terminal according to the close contact result.
Optionally, before determining whether the initiating user of the voice payment instruction is the authorized user of the current terminal according to the voice payment instruction of the current terminal, segmenting text information in the voice payment instruction by adopting a natural language processing method; and matching the target terminal identification of the transfer payment to be carried out by the current terminal according to the segmentation result. Further, according to the target terminal identification, at least one target terminal is matched in the target terminals which have close contact relation with the current terminal.
S330, preprocessing the voice payment instruction of the current terminal.
Wherein, the voice payment instruction is a voice payment instruction sent by the owner of the current terminal.
Optionally, the pre-processing comprises at least one of the following operations: pre-emphasis processing, framing processing and windowing processing.
It can be understood that the high-frequency part of the voice can be emphasized and the influence of lip radiation can be removed by pre-emphasizing the voice payment instruction of the current terminal, so that the effect of increasing the high-frequency resolution of the voice is achieved. Considering that the characteristics of the voice signal and the parameters representing the essential characteristics of the voice signal are changed along with time, the voice signal is a non-steady process and cannot be analyzed and processed by using a digital signal processing technology for processing a steady signal, a framing processing mode can be selected to preprocess the voice payment instruction before the voice payment instruction is analyzed and processed. After completion of the framing of the voice payment instruction, the voice payment instruction may be further windowed to minimize leakage of the voice spectrum.
S340, determining whether the user initiating the voice payment instruction is the authorized user of the current terminal according to the voice payment instruction of the current terminal.
Preferably, a voice payment instruction of the current terminal is input into the trained voiceprint recognition model, and whether the voice initiating user is an authorized user of the current terminal is determined.
The voiceprint recognition model is capable of recognizing voiceprint features in the voice payment instruction so as to determine whether an initiating user of the current voice payment instruction is an authority user of the current terminal, namely whether a transfer payment action to be carried out by the current terminal is initiated by the authority user of the current terminal. It is understood that the voice payment instruction of the current terminal is not necessarily the authority user of the current terminal, and the safety of the mobile payment is further ensured by confirming the authority user of the current terminal.
Illustratively, as shown in FIG. 4, the overall process of voiceprint recognition of a voice payment instruction using a voiceprint recognition model is illustrated. First, a voiceprint recognition model needs to be constructed before a voice payment instruction is recognized using the voiceprint recognition model. The establishment of the voiceprint recognition model consists of preprocessing, feature extraction, training and the like. Preprocessing refers to performing pre-emphasis processing, framing processing, and windowing processing on speech in the speech data set. Feature extraction refers to extracting voiceprint features of speech, such as features of linear prediction cepstrum Coefficients, Mel-Frequency spectral Coefficients, Mel-Frequency cepstral Coefficients (MFCCs), and the like. The training is to train the constructed voiceprint recognition model based on a machine learning method to obtain a voiceprint recognition model capable of carrying out identity recognition on user voice. The voiceprint recognition model can be a convolutional neural network model or a gaussian mixture model. The voiceprint recognition process can be vividly understood as the process of unlocking by using a password, namely the process of obtaining a password combination by preprocessing and characteristic extraction, obtaining a password model library by training, and the recognition process is the process of converting a voice payment instruction of a current terminal user into a password and checking the password with the password model library.
It can be understood that voiceprint recognition, which is a technology of biometric authentication, can be safely and accurately used as a password for mobile payment, because voice is similar to pupil, fingerprint and face recognition and is composed of unique biological features. According to the voice payment instruction of the current terminal, whether the initiating user of the voice payment instruction of the current terminal is the authority user of the current terminal can be confirmed, and the aim of completing safe and convenient mobile payment without manually inputting a password in the mobile payment process is fulfilled.
Alternatively, more than one authorized user of the current terminal may be used, as long as the authorized user at the current terminal can be used as the authorized user of the current terminal. The authorization means that the voice information of the voice payment instruction initiator is stored in the current terminal.
And S350, if the initiating user is the authority user of the current terminal, triggering and executing the transfer payment operation to the target account.
The authorized user refers to a user who can authorize the transfer payment operation of the current terminal. It is understood that the operation of transferring payment to the target account of another terminal can be realized by any user authorized in the current terminal.
It can be understood that when the user initiating the voice payment instruction is the payment authority user bound by the current terminal, that is, the voiceprint feature of the initiating user is consistent with the voiceprint feature stored in the current terminal in advance, the initiating user of the voice payment instruction is considered to share the authority of transferring payment to the target account, so that the transfer payment operation to the target account is triggered to be executed, the transfer payment of an unauthorized user caused by embezzlement of terminal equipment by other people is avoided, and the property safety of the user to which the terminal belongs is protected.
And S360, transferring payment to a target account of at least one target terminal.
Optionally, making a transfer payment to a target account of the at least one target terminal, comprises:
determining at least one target account according to a voice payment instruction of a current terminal, and transferring payment to the at least one target account; and/or determining the transfer amount to at least one target account according to the voice payment instruction of the current terminal, and transferring the payment transfer amount to at least one target account.
Optionally, converting the voice payment instruction of the current terminal into language words; adopting a natural language processing method to segment the language characters of the voice payment instruction; matching the target account and the transfer amount based on the segmentation result; and acquiring a target account and a transfer amount of the target terminal based on the matching result.
After at least one target terminal which is in close contact with the current terminal is determined according to the Bluetooth related information of the current terminal, whether an initiating user of a voice payment instruction is an authority user of the current terminal is determined according to the voice payment instruction of the current terminal, and if the initiating user is the authority user of the current terminal, the transfer payment operation to a target account is triggered and executed; on the basis of each embodiment, the voice print recognition is carried out on the voice payment instruction of the current terminal, the voice of the voice payment instruction is used as the biological payment password, the purpose that mobile payment can be completed without manually inputting the password is achieved, and the effect of safe and rapid mobile payment of really liberating both hands in the mobile payment process is achieved.
Example four
Fig. 5 is a flowchart of a mobile payment method provided in the fourth embodiment of the present application, where this embodiment is a preferred embodiment scheme provided on the basis of the foregoing embodiments, and an execution subject of each terminal is specifically a mobile phone. In the embodiments of the present application, explanations of terms identical or corresponding to the above-described embodiments are omitted here. Referring to fig. 5, a mobile payment method provided in this embodiment includes:
s401, collecting state information of each mobile phone.
In this embodiment, when the bluetooth is turned on, the mobile phone terminal with the bluetooth function carried by each user may acquire the state information of the mobile phone in real time, including information such as the bluetooth signal intensity, whether the mobile phone screen is activated, the MP3 decibel and the acceleration of the mobile phone.
S402, each mobile phone sends the state information collected by the mobile phone to a server.
Wherein, the server refers to a background management server serving the whole transfer payment process.
Optionally, based on a preset time length, each mobile phone will continuously upload the state information collected by itself to the server. The preset time length can be set according to the actual data acquisition requirement.
And S403, according to the contact monitoring model, the server judges the close contact relationship between the current mobile phone and the target mobile phone.
In this embodiment, the background management server stores a pre-trained contact monitoring model, and when the current mobile phone starts bluetooth scanning, the background management server may determine a close contact relationship between other mobile phones around the current mobile phone.
S404, the current user of the mobile phone sends out a voice payment instruction.
The current mobile phone refers to a mobile phone terminal held by a user with a transfer payment demand.
Specifically, when a user of the current mobile phone wants to transfer money to other people around, the user sends a payment instruction in a voice mode based on a pre-specified voice payment instruction format. The voice payment instruction comprises information such as a payee, a payment amount and a remark.
S405, the server sends the close contact result to a mobile phone with a transfer payment requirement.
It can be understood that if the current mobile phone has a transfer payment requirement, the server sends the close contact result of the current mobile phone to the current mobile phone by taking the current mobile phone as a main device based on a preset triggering action. The predetermined triggering behavior can be a voice payment instruction sent by a user to which the current mobile phone belongs.
And S406, the current mobile phone receives the close contact result sent by the server.
It is worth noting that the mobile phone carried by the user will automatically initiate bluetooth communication for data transmission when reaching the close contact definition with the mobile phones of other people around.
S407, analyzing the voice payment instruction sent by the user to which the current mobile phone belongs, and matching the target mobile phone identification.
The target mobile phone is a mobile phone terminal held by the user for receiving the payment amount. The target mobile phone identification is a mark used for uniquely matching the target mobile phone. The target mobile phone identifier may be a user name of the target terminal account.
In this embodiment, based on the natural language processing method, the voice payment instruction sent by the user to which the current mobile phone belongs is analyzed, and information such as the payee, the payment amount, the remark, and the like is identified from the voice payment instruction.
And S408, matching the target mobile phone in the mobile phones which have close contact with the current mobile phone according to the identification of the target mobile phone.
And S409, the current mobile phone initiates a data acquisition request to the target mobile phone to acquire the target account information of the payee.
The target account information may be at least one of an account category, an account name, an account opening number, and the like.
And S410, the target mobile phone responds to the data acquisition request of the current mobile phone and sends the target account information of the user to the current mobile phone.
It can be understood that, in the case of close contact, bluetooth may be enabled between the mobile phones for data transmission to obtain the target account information of the payee.
S411, voice print recognition is carried out on the voice payment instruction of the current mobile phone.
In this embodiment, based on the voiceprint recognition technology, the current mobile phone extracts the MFCC features in the voice payment instruction, and inputs the MFCC features into a pre-trained gaussian mixture model to perform voiceprint recognition, so as to determine whether the voice of the user initiating the current voice payment instruction is the correct voiceprint password of the current mobile phone.
And S412, obtaining transfer payment permission by the current mobile phone.
It can be understood that if the voiceprint characteristics of the voice payment instruction sent by the user to which the current mobile phone belongs are consistent with the voiceprint characteristics stored in the mobile phone in advance, the user can obtain transfer permission for the current transfer payment operation.
And S413, transferring payment to the target mobile phone by the current mobile phone according to the target account information and the payment amount.
Further, after the current mobile phone finishes the transfer payment, the current mobile phone uploads the transfer payment process based on the close contact relationship to a background management server; after the background management server collects the data, online learning is carried out on the obtained information and results so as to continuously optimize the whole transfer payment process and improve the accuracy of mobile payment. Wherein the optimization of the ledger payment process comprises: and updating the joint sealing detection model based on the continuously accumulated actual transfer payment data of the user.
The embodiment of the application provides a mobile payment scheme aiming at close contact between people based on Bluetooth communication through natural language processing and voiceprint recognition technologies, a mobile phone carried by a user can automatically initiate Bluetooth communication when meeting close contact definition with other mobile phones around, and further payment is carried out after a voice payment instruction of the user is obtained; the traditional payment mode based on the two-dimensional code and the digital password is abandoned to the scheme, the defects that the old payment mode is complex, tedious, unsafe, time-consuming and the like are overcome, the mobile payment is more intelligent, the user can complete the payment without taking out the mobile phone, the convenience is greatly improved, and the safe and quick mobile payment of really liberating both hands is realized.
EXAMPLE five
Fig. 6 is a schematic structural diagram of a mobile payment device according to a fifth embodiment of the present application. Referring to fig. 6, an embodiment of the present application provides a mobile payment device, which includes: a target terminal determination module 510 and a transfer payment module 520.
A target terminal determining module 510, configured to determine, according to bluetooth association information of a current terminal, at least one target terminal that has a close contact relationship with the current terminal;
and a transfer payment module 520 for making a transfer payment to a target account of at least one of the target terminals.
According to the embodiment of the application, after at least one target terminal which is in close contact with the current terminal is determined according to the Bluetooth related information of the current terminal, transfer payment is carried out on the target account of at least one target terminal in the target terminals, and high-efficiency wireless data transmission is carried out based on the close contact relation of the current terminal and the target terminal under the condition that the two-dimensional code is not scanned or the target account is manually input, so that the transfer payment can be successfully obtained from the target account of the transfer payment, and the safety and convenience of mobile payment are improved.
Further, the bluetooth association information includes bluetooth signal strength and terminal additional information. The terminal additional information includes at least one of terminal activation state information, terminal movement state information, terminal model type information, and terminal audio state information.
Further, the target terminal determining module 510 includes:
the distance determining unit is used for inputting the Bluetooth related information of the current terminal into the trained joint sealing monitoring model and determining the close contact result of the current terminal and each candidate terminal;
and the target terminal selection unit is used for selecting at least one candidate terminal as the target terminal according to the close contact result.
Further, the apparatus further comprises:
the authorized user determining module is used for determining whether an initiating user of the voice payment instruction is an authorized user of the current terminal according to a voice payment instruction of the current terminal before the transfer payment is carried out to a target account of at least one target terminal after the at least one target terminal which is in close contact with the current terminal is determined according to the Bluetooth related information of the current terminal;
and the payment operation triggering module is used for triggering and executing the transfer payment operation to the target account if the initiating user is the authority user of the current terminal.
Further, the apparatus further comprises:
the segmentation module is used for segmenting text information in the voice payment instruction by adopting a natural language processing method before determining whether an initiating user of the voice payment instruction is an authorized user of the current terminal according to the voice payment instruction of the current terminal;
and the identification matching module is used for matching the identification of the target terminal to be transferred and paid by the current terminal according to the segmentation result.
Further, the apparatus further comprises:
and the target terminal matching module is used for matching at least one target terminal in the target terminals which have close contact relation with the current terminal according to the target terminal identification.
Further, the authorized user determining module comprises:
and the voice permission determining unit is used for inputting the voice payment instruction of the current terminal into the trained voiceprint recognition model and determining whether the voice initiating user is the permission user of the current terminal.
Further, the authorized user determining module further includes: and the pre-emphasis processing unit is used for performing pre-emphasis processing on the voice payment instruction of the current terminal to update the voice payment instruction before the voice payment instruction of the current terminal is input into the trained voiceprint recognition model.
Further, the authorized user determining module further includes:
and the framing processing unit is used for framing the voice payment instruction of the current terminal to update the voice payment instruction before the voice payment instruction of the current terminal is input into the trained voiceprint recognition model.
Further, the authorized user determining module further includes:
and the windowing processing unit is used for windowing the voice payment instruction of the current terminal to update the voice payment instruction before the voice payment instruction of the current terminal is input into the trained voiceprint recognition model.
Further, the transfer payment module 520 includes:
the transfer payment first unit is used for determining at least one target account according to the voice payment instruction of the current terminal and transferring payment to the at least one target account; and/or the presence of a gas in the gas,
and the transfer payment second unit is used for determining the transfer amount to at least one target account according to the voice payment instruction of the current terminal and transferring and paying the transfer amount to at least one target account.
The mobile payment device provided by the embodiment of the application can execute the mobile payment method provided by any embodiment of the application, and has corresponding functional modules and beneficial effects of the execution method.
EXAMPLE six
Fig. 7 is a schematic structural diagram of an electronic device according to a sixth embodiment of the present application, and as shown in fig. 7, the electronic device includes a processor 610, a memory 620, an input device 630, and an output device 640.
The number of processors 610 in the device may be one or more, and one processor 610 is taken as an example in fig. 7; the processor 610, the memory 620, the input device 630 and the output device 640 in the apparatus may be connected by a bus or other means, and fig. 7 illustrates the example of connection by a bus.
The input device 630 is configured to receive bluetooth related information of the current terminal.
And an output device 640 for outputting the target account of the at least one target terminal to complete the transfer payment.
The processor 610 may determine at least one target terminal having a close contact relationship with the current terminal according to the bluetooth-related information of the current terminal input by the input device 630; and the transfer payment operation of the account of the target terminal can be completed according to the target account information of the target terminal output by the output device 640.
The memory 620, as a computer-readable storage medium, may be used to store software programs, computer-executable programs, and modules, such as program instructions/modules corresponding to the mobile payment method in the embodiments of the present application (e.g., the target terminal determination module 510 and the transfer payment module 520 in the mobile payment device). The processor 610 performs various functional applications of the device and data processing by executing software programs, instructions and modules stored in the memory 620, that is, implements the mobile payment method described above.
The memory 620 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created according to the use of the terminal, etc. (such as bluetooth-related information, a contact monitoring model, and a voice payment instruction in the above-described embodiments). Further, the memory 620 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some examples, the memory 620 can further include memory located remotely from the processor 610, which can be connected to the device over a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The input means 630 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function controls of the device. The output device 640 may include a display device such as a display screen.
EXAMPLE seven
A seventh embodiment of the present application further provides a storage medium containing computer-executable instructions, which when executed by a computer processor, are configured to perform a method for mobile payment, the method comprising:
determining at least one target terminal which has close contact relation with the current terminal according to the Bluetooth associated information of the current terminal;
and carrying out transfer payment to a target account of at least one target terminal.
Of course, the storage medium provided in the embodiments of the present application contains computer-executable instructions, and the computer-executable instructions are not limited to the method operations described above, and may also perform related operations in the mobile payment method provided in any embodiment of the present application.
From the above description of the embodiments, it is obvious for those skilled in the art that the present application can be implemented by software and necessary general hardware, and certainly can be implemented by hardware, but the former is a better embodiment in many cases. Based on such understanding, the technical solutions of the present application may be embodied in the form of a software product, which may be stored in a computer-readable storage medium, such as a floppy disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a FLASH Memory (FLASH), a hard disk or an optical disk of a computer, and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network device) to execute the methods described in the embodiments of the present application.
It should be noted that, in the embodiment of the mobile payment apparatus, the units and modules included in the embodiment are merely divided according to the functional logic, but are not limited to the above division as long as the corresponding functions can be implemented; in addition, specific names of the functional units are only used for distinguishing one functional unit from another, and are not used for limiting the protection scope of the application.
It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present application and the technical principles employed. It will be understood by those skilled in the art that the present application is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the application. Therefore, although the present application has been described in more detail with reference to the above embodiments, the present application is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present application, and the scope of the present application is determined by the scope of the appended claims.

Claims (15)

1. A mobile payment method, comprising:
determining at least one target terminal which has close contact relation with the current terminal according to the Bluetooth associated information of the current terminal;
and carrying out transfer payment to a target account of at least one target terminal.
2. The method according to claim 1, wherein the determining at least one target terminal having close contact relationship with the current terminal according to the bluetooth association information of the current terminal comprises:
inputting the Bluetooth related information of the current terminal into a trained joint sealing monitoring model, and determining the close contact result of the current terminal and each candidate terminal;
and selecting at least one candidate terminal as the target terminal according to the close contact result.
3. The method of claim 2, wherein the bluetooth association information comprises bluetooth signal strength and terminal additional information.
4. The method of claim 3, wherein the terminal additional information comprises at least one of terminal activation state information, terminal movement state information, terminal model class information, and terminal audio state information.
5. The method according to any one of claims 1-4, wherein after determining at least one target terminal having close contact relationship with the current terminal according to the Bluetooth association information of the current terminal, before making payment for the transfer to the target account of the at least one target terminal, the method further comprises:
determining whether an initiating user of the voice payment instruction is an authorized user of the current terminal according to the voice payment instruction of the current terminal;
and if the initiating user is the authority user of the current terminal, triggering and executing the transfer payment operation of the target account.
6. The method as claimed in claim 5, wherein the determining whether the initiating user of the voice payment instruction is the authorized user of the current terminal according to the voice payment instruction of the current terminal comprises:
and inputting the voice payment instruction of the current terminal into a trained voiceprint recognition model, and determining whether the voice initiating user is the authorized user of the current terminal.
7. The method as claimed in claim 5, wherein before determining whether the initiating user of the voice payment instruction is the authorized user of the current terminal according to the voice payment instruction of the current terminal, the method further comprises:
segmenting text information in the voice payment instruction by adopting a natural language processing method;
and matching the target terminal identification of the transfer payment to be carried out by the current terminal according to the segmentation result.
8. The method of claim 7, wherein after matching the target terminal identification for which the current terminal is to make a transfer payment based on the segmentation, the method further comprises:
and matching at least one target terminal in the target terminals which have close contact relation with the current terminal according to the target terminal identification.
9. The method of claim 6, wherein prior to said inputting the voice payment instruction of the current terminal into the trained voiceprint recognition model, the method further comprises:
and pre-emphasis processing is carried out on the voice payment instruction of the current terminal so as to update the voice payment instruction.
10. The method of claim 6, wherein prior to said inputting the voice payment instruction of the current terminal into the trained voiceprint recognition model, the method further comprises:
and performing framing processing on the voice payment instruction of the current terminal to update the voice payment instruction.
11. The method of claim 6, wherein prior to said inputting the voice payment instruction of the current terminal into the trained voiceprint recognition model, the method further comprises:
and windowing the voice payment instruction of the current terminal so as to update the voice payment instruction.
12. The method according to any one of claims 1-4, wherein said making a payment for transfer to a target account of at least one of said target terminals comprises:
determining at least one target account according to the voice payment instruction of the current terminal, and transferring payment to the at least one target account; and/or the presence of a gas in the gas,
and determining the transfer amount to at least one target account according to the voice payment instruction of the current terminal, and transferring and paying the transfer amount to at least one target account.
13. A mobile payment device, comprising:
the target terminal determining module is used for determining at least one target terminal which has close contact relation with the current terminal according to the Bluetooth related information of the current terminal;
and the transfer payment module is used for carrying out transfer payment to at least one target account of the target terminal.
14. An electronic device, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement a mobile payment method as recited in any one of claims 1-12.
15. A computer-readable storage medium, on which a computer program is stored, which program, when being executed by a processor, carries out a mobile payment method according to any one of claims 1-12.
CN202011613572.9A 2020-12-30 2020-12-30 Mobile payment method, device, equipment and storage medium Pending CN112669030A (en)

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