WO2017143924A1

WO2017143924A1 - Payment method, apparatus and device

Info

Publication number: WO2017143924A1
Application number: PCT/CN2017/073491
Authority: WO
Inventors: 才华
Original assignee: 中国银联股份有限公司
Priority date: 2016-02-22
Filing date: 2017-02-14
Publication date: 2017-08-31
Also published as: TW201730822A; CN105933274A; CN105933274B

Abstract

Disclosed are a payment method, apparatus and device. The method comprises a collection server receiving a prompt information request sent by a user terminal; sending prompt information to the user terminal according to the prompt information request; receiving voiceprint information input by a user awaiting payment and sent by a collection terminal; determining whether the voiceprint information input by the user awaiting payment matches voiceprint information in a voiceprint information library; and if so, acquiring a payment account of the user awaiting payment and a payment amount to be paid, and sending a payment notification to an account manager corresponding to the payment account of the user awaiting payment so as to complete the payment. By means of the dual authentication of voiceprint information and a user terminal, and the mutual interaction between a collection server, the user terminal and a collection terminal, potential security hazards, such as complexity and password leakage caused by swiping a card and inputting a password, in a payment process can be solved, thereby providing a secure, convenient and fast payment environment for a customer, and improving user experience.

Description

Payment method, device and device

This application claims priority to Chinese Patent Application No. 201610096297.5, entitled "A Payment Method and Device", filed on February 22, 2016, the entire contents of which are incorporated herein by reference. In the application.

Technical field

The present invention relates to the field of payment authentication technologies, and in particular, to a payment method, device, and device.

Background technique

When users shop in large-scale member supermarkets, most of them use cash payment or traditional bank card to pay for the password.

When paying with cash, if you are shopping for a large amount of goods, users need to carry a lot of cash, which will bring certain security risks. The use of a bank card for credit card input password payment requires a bank card to be used, which is inconvenient to use, and has a hidden danger of leaking the bank card password.

Therefore, there is a need for a payment method to solve the problem of password leakage caused by card swiping and inputting a password in the payment process, and simple voiceprint authentication, such as false registration of voiceprints.

Summary of the invention

The embodiment of the invention provides a payment method, device and device for solving the problem of password leakage caused by swiping a card and inputting a password during the payment process.

In a first aspect, a payment method provided by an embodiment of the present invention includes:

The payment server receives the prompt information request sent by the user terminal, and the client terminal has a client corresponding to the collection server;

The payment server sends a prompt message to the user terminal according to the prompt information request, where the prompt information is used to instruct the user to provide voiceprint information according to the prompt information;

Receiving, by the collection server, the voiceprint information input by the user to be paid sent by the payment terminal;

The payment server determines whether the voiceprint information input by the user to be paid and the voiceprint information in the voiceprint information database and the prompt information match;

If yes, the payment server obtains the payment account of the user to be paid and the payment amount to be paid sent by the collection terminal;

The payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment, and the payment notification includes the payment amount to be paid and the payment account of the user to be paid.

Preferably, before the receiving server receives the prompt information request sent by the user terminal, the method further includes:

The payment server receives the user registration information sent by the user terminal, where the user registration information includes a user identity identification number ID, a payment account bound to the user ID, a user terminal number bound to the user ID, and N sets of voiceprint information. N is greater than or equal to 1;

The payment server stores the user registration information sent by the user terminal.

Preferably, the payment server sends the prompt information to the user terminal according to the prompt information request, including:

The collection server selects one or any combination of voiceprint information from the N sets of voiceprint information bound to the user terminal;

The payment server determines the text corresponding to the selected voiceprint information as the prompt information;

The payment server sends the prompt information to the user terminal in the form of a short message.

The payment server returns the prompt information to a client in the user terminal.

Preferably, the collection server selects any combination of voiceprint information from the N sets of voiceprint information bound to the user terminal, including:

The collection server randomly selects M sets of voiceprint information from the N sets of voiceprint information, and The M group of voiceprint information constitutes a voiceprint information, and M is a positive integer; or

The collection server selects one or more voiceprint segments from any of the M sets of voiceprint information of the N sets of voiceprint information, and combines the selected one or more voiceprint segments into a voiceprint information, wherein each The voiceprint segment is a subset of the group voiceprint information to which the voiceprint segment belongs, 0 < M ≤ N.

In a second aspect, an embodiment of the present invention provides a payment apparatus, including:

a first receiving unit, configured to receive a prompt information request sent by the user terminal, where the user terminal is provided with a client corresponding to the payment server;

a sending unit, configured to send prompt information to the user terminal according to the prompt information request, where the prompt information is used to instruct the user to provide voiceprint information according to the prompt information;

a second receiving unit, configured to receive voiceprint information of the user input to be paid sent by the payment terminal;

a matching unit, configured to determine whether the voiceprint information input by the user to be paid and the voiceprint information in the voiceprint information database and the prompt information match;

And an obtaining unit, configured to: if the voiceprint information input by the user to be paid matches the voiceprint information in the voiceprint information database and the prompt information, acquire the payment account of the user to be paid and the payment sent by the payment terminal The amount of payment paid;

And a payment unit, configured to send a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment, where the payment notification includes the payment amount to be paid and the payment account of the user to be paid.

Preferably, the method further includes: a third receiving unit and a storage unit;

Before receiving the prompt information request sent by the user terminal, the third receiving unit is specifically configured to receive user registration information sent by the user terminal, where the user registration information includes a user identity identification number ID and a payment bound to the user ID. The account, the user terminal number bound to the user ID, and the N sets of voiceprint information, where N is greater than or equal to 1;

The storage unit is specifically configured to store user registration information sent by the user terminal.

Preferably, the sending unit is specifically configured to:

Selecting one or any combination of voiceprint information from the N sets of voiceprint information bound to the user terminal;

Determining the text corresponding to the selected voiceprint information as prompt information;

Sending the prompt information to the user terminal in the form of a short message.

Preferably, the sending unit is specifically configured to:

Returning the prompt information to a client in the user terminal.

Preferably, the sending unit is specifically configured to:

Selecting M sets of voiceprint information from the N sets of voiceprint information, and forming the M sets of voiceprint information into a voiceprint information, where M is a positive integer; or

Selecting one or more voice segments from any M sets of voiceprint information of the N sets of voiceprint information, and selecting one or more voice segments to form a voiceprint information, wherein each voice segment is A subset of the group of voiceprint information to which the voiceprint segment belongs, 0 < M ≤ N.

In a third aspect, an embodiment of the present invention provides a payment device, including:

At least one processor; and,

a memory communicatively coupled to the at least one processor; wherein

The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to perform the payment method of the first aspect described above.

In a fourth aspect, an embodiment of the present invention provides a non-transitory computer readable storage medium, where the non-transitory computer readable storage medium stores computer instructions for causing the computer to perform the first aspect described above The payment method in the middle.

In a fifth aspect, an embodiment of the present invention provides a computer program product, the computer program product comprising a computing program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions, when the program instruction When executed by a computer, the computer is caused to perform the payment method of the first aspect described above.

The embodiment of the invention indicates that the payment server receives the prompt information request sent by the user terminal, and the root According to the prompt information request, the prompt information is sent to the user terminal, and the prompt information is randomly sent by the payment server, which avoids the false recording of the voiceprint information, and ensures the security of the prompt information through the manner of the user terminal, because the current user terminal generally It is carried with you, and fully utilizes the user's behavior habits; receives the voiceprint information input by the user to be paid by the payment terminal, determines the voiceprint information input by the user to be paid, and the voiceprint information in the voiceprint information database. Whether the prompt information matches, if yes, acquiring the payment account of the user to be paid and the payment amount to be paid sent by the collection terminal, and sending a payment notification to the account management party corresponding to the payment account of the user to be paid To complete the payment. Through the dual authentication of the voiceprint information and the user terminal, the interaction between the payment server, the user terminal and the payment terminal can solve the cumbersome and password leakage caused by the card punching and the transmission in the payment process, and the simple voiceprint authentication. If the voiceprint is illegally obtained, such as forgery, it will provide customers with a safe and convenient payment environment and improve the user experience.

DRAWINGS

The one or more embodiments are exemplified by the accompanying drawings in the accompanying drawings, and FIG. The figures in the drawings do not constitute a scale limitation unless otherwise stated.

1 is a system architecture diagram applicable to an embodiment of the present invention;

2 is a schematic diagram of display of a user terminal according to an embodiment of the present invention;

3 is a schematic flowchart of a payment method according to an embodiment of the present invention;

4 is a schematic flowchart of a payment method according to an embodiment of the present invention;

FIG. 5 is a schematic flowchart diagram of a payment method according to an embodiment of the present invention; FIG.

6a to 6c are schematic diagrams showing display of a prompt display according to an embodiment of the present invention;

FIG. 7 is a schematic structural diagram of a payment apparatus according to an embodiment of the present invention; FIG.

FIG. 8 is a schematic structural diagram of a payment device according to an embodiment of the present invention.

detailed description

The present invention will be further described in detail below with reference to the specific embodiments thereof and the accompanying drawings. It is to be understood that the description is not intended to limit the scope of the invention. In addition, descriptions of well-known structures and techniques are omitted in the following description in order to avoid unnecessarily obscuring the inventive concept.

Figure 1 shows a system architecture to which the embodiment of the present invention is applied. The system architecture can implement the control of the payment process. The system architecture provided by the embodiment of the present invention includes the user terminal 101, the collection server 102, and the payment terminal. 103.

In the embodiment of the present invention, the user terminal 101 may be an electronic device having a wireless communication function and capable of installing an application, such as a mobile phone, a tablet computer, or a palmtop computer. The collection terminal 103 in the embodiment of the present invention may be a POS machine of a supermarket. The client corresponding to the payment server 102 set in the user terminal 101 in the embodiment of the present invention may be an application installed in the user terminal 101.

Before the user makes a purchase, the user needs to download the client for payment through the user terminal 101, that is, an application for payment and install, such as the payment management application shown in FIG. 2. The application is connected to the collection server 102 of the supermarket via a network. The user registers the supermarket member through the application in the mobile phone, verifies the mobile phone number, creates a member profile, and generates a user ID. Then, several sets of voiceprint information are entered through the mobile phone or the voiceprint input device, and the user ID is bound, and finally, the payment account is bound to the user ID. The registration information is sent to the payment server 102 for storage by the application, and the payment server 102 submits the payment account to the issuing bank for verification, and completes the binding of the payment account.

Based on the above description, FIG. 3 shows a flow of a payment method provided by an embodiment of the present invention, which may be executed by a payment device.

As shown in FIG. 3, the process specifically includes:

Step 301: The payment server receives the prompt information request sent by the user terminal.

Step 302: The payment server sends the prompt information to the user terminal according to the prompt information request.

Step 303: The collection server receives the voiceprint information input by the user of the payment to be paid by the payment terminal.

Step 304, the payment server determines whether the voiceprint information input by the user to be paid and the voiceprint information in the voiceprint information database and the prompt information match, and if yes, proceeds to step 305, and if not, then transfers Proceed to step 303.

Step 305: The payment server acquires the payment account of the user to be paid and the payment amount to be paid sent by the payment terminal.

Step 306: The payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment.

Before step 301, the user performs registration of the supermarket member through the client on the user terminal, and the collection server receives the user registration information sent by the user terminal, where the user registration information includes the user ID and the payment account and the user bound to the user ID. User terminal number bound by ID and N sets of voiceprint information. The user registration information sent by the user terminal is then stored. The payment account bound by the user ID is used to deduct the payment amount generated when shopping. The N sets of voiceprint information are used to compare with the voiceprint information input by the user. For example, "I came to shop", "Today's weather is good", "Have holidays are so happy" and so on. N is greater than or equal to 1.

In step 301, the user may first send a prompt information request to the payment server through the user terminal before the shopping or after the shopping, for requesting the payment server to send the prompt information to the user terminal. Requesting the prompt information before shopping can reduce the time for the user to wait for the prompt information, and improve the user's experience. A client corresponding to the payment server is provided in the user terminal.

In step 302, after the payment server receives the payment request in step 301, the payment server needs to randomly select one or any combination of voiceprint information from the N sets of voiceprint information bound to the user terminal, and The character corresponding to the selected voiceprint information is determined as the prompt information, and then the prompt information is sent as a short message to the user terminal associated with the payment server. The prompt information is used to instruct the user to provide voiceprint information according to the prompt information. The prompt information can also be returned to the application in the user terminal associated with the payment server. The prompt information can be set to be valid for a period of time, for example, it can be set to be valid within 5 minutes, and can be re-requested for more than 5 minutes.

The collection server may select any combination of the voiceprint information from the N sets of voiceprint information bound to the user terminal, and the collection server may arbitrarily select the M group voiceprint information from the N sets of voiceprint information, and the Group M voiceprint information constitutes a voiceprint information. Alternatively, the collection server selects one or more voiceprint segments from the M group of voiceprint information of the N sets of voiceprint information, and combines the selected one or more voiceprint segments into one voiceprint information. Where M is a positive integer, and each voice segment is a subset of the group voiceprint information to which the voiceprint segment belongs, 0 < M ≤ N.

For example, from the N sets of voiceprint information, the three sets of voiceprint information of "I came to shop", "Today's good weather", "Fun holiday and happy" were selected, and then the three sets of voiceprint information were combined into one voiceprint information. That is, "The holiday is so happy, the weather is very good, I am shopping." Or take one of the words or a word, any combination, that is, "I am very happy." The character corresponding to the voiceprint information selected above is determined as the prompt information. The prompt information of each transaction is not fixed, and is randomly sent by the payment server, which can effectively prevent the false recording.

In step 303, after the payment server sends the prompt information to the user terminal in step 302, the user to be paid inputs voiceprint information in front of the payment terminal according to the prompt information displayed by the user terminal, and the collection terminal collects the user input to be paid. The voiceprint information is sent to the collection server by the collected voiceprint information input by the user to be paid, and the collection server receives the voiceprint information input by the user to be paid by the payment terminal.

In step 304, after receiving the voiceprint information input by the user to be paid by the payment terminal, the payment server determines whether the voiceprint information and the voiceprint information and the prompt information in the voiceprint information database match, that is, the sound is about to be The striated information is compared with the voiceprint information stored in the voiceprint information base and the prompt information sent to the user terminal. If they match, the matching is indicated, otherwise it is not matched, and the voiceprint information input by the user to be paid needs to be received again. If the number of times exceeds the preset number and the matching cannot be successful, the user who is to be paid cannot pass the authentication, so that the payment cannot be performed, and the security of the user's payment account is ensured.

In step 305, after the payment server authenticates the voiceprint information, the identity of the user to be paid is confirmed, and the payment server can obtain the payment account of the user to be paid and the payment amount to be paid. The payment account of the user to be paid is the payment account stored when the user to be paid registers, and submitted to the card issuing bank for verification.

In step 306, the payment server corresponds to the account management party corresponding to the payment account of the user to be paid. A payment notification is sent to complete the payment, and the payment notification may include a payment amount to be paid and a payment account of the user to be paid. The account management party corresponding to the payment account of the user to be paid deducts the payment amount to be paid from the payment account of the user to be paid, deducts the amount in the payment account of the user to be paid, and completes the payment.

The foregoing embodiment indicates that the payment server receives the prompt information request sent by the user terminal, sends a prompt message to the user terminal according to the prompt information request, receives the voiceprint information input by the user to be paid, and determines the voiceprint information and sound input by the user to be paid. Whether the voiceprint information and the prompt information in the texture information database match, if yes, acquiring the payment account of the user to be paid and the payment amount to be paid, and sending a payment notification to the account management party corresponding to the payment account of the user to be paid To complete the payment. Through the dual authentication of the voiceprint information and the user terminal, it is possible to solve the security hazards such as the cumbersome and password leakage caused by the card swiping and the transmission in the payment process, and provide the customer with a safe and convenient payment environment and improve the user experience.

In order to better explain the embodiments of the present invention, the flow of payment will be described below in a specific implementation scenario.

First, the user needs to download the mobile payment management application, register the supermarket member through the application in the mobile phone, verify the mobile phone number, create a member profile, and generate a user ID. Then, several sets of voiceprint information are entered through the mobile phone, and the user ID is bound, and finally, the payment account is bound to the user ID. The above registration information, the mobile phone is sent to the collection server for storage through the application, and the payment account is submitted to the issuing bank for verification, and the binding of the payment account is completed.

In the process of shopping consumption, the flow of a payment method as shown in FIG.

In step 401, the user's mobile phone requests to send a prompt message to the payment background (such as the payment server).

The user may request to obtain the prompt information before purchasing the product, or may request to obtain the prompt information after purchasing the product, and request the payment background through the application in the user's mobile phone.

Step 402: The payment background sends a prompt message to the user's mobile phone.

After receiving the request sent by the user's mobile phone, the payment background randomly sends a prompt message to the user's mobile phone, which is displayed to the user through the mobile phone.

Step 403, the POS machine sends the voiceprint information input by the user and the payment to be paid to the payment background. amount.

After viewing the prompt information displayed by the mobile phone, the user reads the prompt information viewed on the mobile phone through the microphone before the POS machine needs to pay the verification, and the voice of the user is the voiceprint information input by the user. After inputting the voiceprint information, the POS machine sends the voiceprint information input by the user to the payment background, and sends the payment amount to be paid to the payment background.

In step 404, the payment background sends a payment notification to the bank to complete the payment.

After receiving the voiceprint information input by the user sent by the POS machine and the payment amount to be paid, the payment background compares the voiceprint information with the voiceprint information and the prompt information in the voiceprint information database, and after the verification succeeds, The bank sends a payment notification in the background, which includes the user's payment account and the amount of payment to be paid.

Based on the same technical concept, FIG. 5 shows a flow of a payment method provided by an embodiment of the present invention.

As shown in Figure 5, the specific steps of the process include:

Step 501: Receive prompt information sent by the payment server.

Step 502: Display prompt information sent by the payment server.

In step 501, before receiving the prompt information sent by the payment server, the user terminal needs to send a prompt information request to the payment server for requesting the payment server to send the prompt information to the user terminal. The user terminal can then receive the prompt information sent by the payment server, and the prompt information is used to prompt the user to be paid to input the voiceprint information. As shown in Figure 6a, click on the application named Payment Management on the user terminal.

In step 502, after receiving the prompt information sent by the payment server, the user terminal may display the prompt information, as shown in FIG. 6b. At the same time, the prompt information can also be managed, as shown in FIG. 6c, click the delete button, delete the prompt information, and avoid being acquired by others.

Based on the same technical concept, FIG. 7 shows a structure of a payment apparatus provided by an embodiment of the present invention, which can execute a payment process.

As shown in FIG. 7, the device specifically includes:

The first receiving unit 701 is configured to receive a prompt information request sent by the user terminal, where the user ends a client corresponding to the collection server is provided in the terminal;

The sending unit 702 is configured to send prompt information to the user terminal according to the prompt information request, where the prompt information is used to instruct the user to provide voiceprint information according to the prompt information;

The second receiving unit 703 is configured to receive the voiceprint information of the user input to be paid sent by the payment terminal;

The matching unit 704 is configured to determine whether the voiceprint information input by the user to be paid and the voiceprint information in the voiceprint information database and the prompt information match;

The obtaining unit 705 is configured to: if the voiceprint information input by the user to be paid matches the voiceprint information in the voiceprint information database and the prompt information, acquire the payment account of the user to be paid and the payment terminal The amount of payment to be paid;

The payment unit 706 is configured to send a payment notification to the account management party corresponding to the payment account of the to-be-paid user to complete the payment, where the payment notification includes the payment amount to be paid and the payment account of the user to be paid.

Preferably, the method further includes: a third receiving unit (not shown) and a storage unit (not shown);

Before receiving the prompt information request sent by the user terminal, the third receiving unit is specifically configured to receive user registration information sent by the user terminal, where the user registration information includes a user identity identification number ID and a payment account bound to the user ID, User terminal number bound to the user ID and N sets of voiceprint information, N is greater than or equal to 1;

Preferably, the sending unit 702 is specifically configured to:

Selecting one or any combination of voiceprints from the N sets of voiceprint information bound to the user terminal information;

Returning the prompt information to a client in the user terminal.

Preferably, the sending unit 702 is specifically configured to:

Based on the same technical concept, an embodiment of the present invention provides a payment device. At least one processor; and a memory communicatively coupled to the at least one processor; the memory storing instructions executable by the at least one processor, the instructions being executed by the at least one processor such that The at least one processor is capable of executing the payment method in the above embodiments.

Taking a processor as an example, FIG. 8 is a structure of a payment device according to an embodiment of the present invention. The payment device 800 includes a transceiver 801, a processor 802, a memory 803, and a bus system 804.

The memory 803 is used to store a program. In particular, the program can include program code, the program code including computer operating instructions. The memory 803 may be a random access memory (RAM) or a non-volatile memory, such as at least one disk storage. Only one memory is shown in the figure, of course, the memory can also be set to a plurality as needed. Memory 803 can also be a memory in processor 802.

The memory 803 stores the following elements, executable modules or data structures, or a subset thereof, or an extended set thereof:

Operation instructions: include various operation instructions for implementing various operations.

Operating system: Includes a variety of system programs for implementing various basic services and handling hardware-based tasks.

The payment method of the embodiment of the present invention described above may be applied to the processor 802 or implemented by the processor 802. Processor 802 may be an integrated circuit chip with signal processing capabilities. In reality In the process, the steps of the above payment method may be completed by an integrated logic circuit of hardware in the processor 802 or an instruction in the form of software. The processor 802 described above may be a general purpose processor, a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic device, a discrete gate or transistor logic device, or discrete hardware. Component. The methods, steps, and logical block diagrams disclosed in the embodiments of the present application can be implemented or executed. The general purpose processor may be a microprocessor or the processor or any conventional processor or the like. The steps of the method disclosed in the embodiments of the present invention may be directly implemented as a hardware decoding processor, or may be performed by a combination of hardware and software modules in the decoding processor. The software module can be located in a conventional storage medium such as random access memory, flash memory, read only memory, programmable read only memory or electrically erasable programmable memory, registers, and the like. The storage medium is located in the memory 803, and the processor 802 reads the information in the memory 803 and performs the following steps in conjunction with its hardware:

The transceiver 801 is configured to receive a prompt information request sent by the user terminal, where the user terminal is provided with a client corresponding to the payment server; and according to the prompt information request, send a prompt to the user terminal. Information, the prompt information is used to indicate that the user provides voiceprint information according to the prompt information; and receives voiceprint information input by the user to be paid by the payment terminal;

The processor 802 is configured to determine whether the voiceprint information input by the user to be paid and the voiceprint information in the voiceprint information database and the prompt information match; if the voiceprint information and sound input by the user to be paid And the voiceprint information in the texture information database is matched with the prompt information, and the payment account of the user to be paid and the payment amount to be paid sent by the payment terminal are acquired;

The transceiver 801 is further configured to send a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment, where the payment notification includes the payment amount to be paid and the user to be paid Payment account.

Optionally, the transceiver 801 is further configured to: before receiving the prompt information request sent by the user terminal, receive user registration information sent by the user terminal, where the user registration information includes a user identity identification number ID and is bound to the user ID. The payment account, the user terminal number bound by the user ID, and the N sets of voiceprint information, where N is greater than or equal to 1;

The memory 803 is configured to store user registration information sent by the user terminal.

Optionally, the transceiver 801 is configured to: select one or any combination of voiceprint information from the N sets of voiceprint information bound to the user terminal; and determine, as the text corresponding to the selected voiceprint information, The prompt information is sent to the user terminal in the form of a short message.

Optionally, the transceiver 801 is configured to: select one or any combination of voiceprint information from the N sets of voiceprint information bound to the user terminal; and determine, as the text corresponding to the selected voiceprint information, Prompt information; returning the prompt information to a client in the user terminal.

Optionally, the transceiver 801 is configured to arbitrarily select M sets of voiceprint information from the N sets of voiceprint information, and form the M voiceprint information into a voiceprint information, where M is a positive integer; or One or more voice segments are selected from any of the M sets of voiceprint information of the N sets of voiceprint information, and the selected one or more voice segments are formed into a voiceprint information, wherein each voice segment is the sound A subset of the group of voiceprint information to which the segment belongs, 0 < M ≤ N.

Those skilled in the art can understand that all or part of the steps of implementing the above embodiments may be completed by a program instructing related hardware, and the program is stored in a storage medium, and includes a plurality of instructions for making a device (which may be a single chip microcomputer). The chip, etc. or processor executes all or part of the steps of the various embodiments of the present application. The foregoing storage medium includes: a U disk, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk, and the like. .

Additionally, the present invention provides a non-transitory computer readable storage medium storing computer instructions for causing the computer to perform the payment of any of the above method.

Additionally, the present invention also provides a computer program product comprising a computing program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions, when the program instructions are executed by a computer And causing the computer to perform the payment method of any of the above.

The present application is made with reference to a method, a device (system), and a computer program according to an embodiment of the present application. The flow chart and/or block diagram of the product is described. It will be understood that each flow and/or block of the flowchart illustrations and/or FIG. These computer program instructions can be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing device to produce a machine for the execution of instructions for execution by a processor of a computer or other programmable data processing device. Means for implementing the functions specified in one or more of the flow or in a block or blocks of the flow chart.

The computer program instructions can also be stored in a computer readable memory that can direct a computer or other programmable data processing device to operate in a particular manner, such that the instructions stored in the computer readable memory produce an article of manufacture comprising the instruction device. The apparatus implements the functions specified in one or more blocks of a flow or a flow and/or block diagram of the flowchart.

These computer program instructions can also be loaded onto a computer or other programmable data processing device such that a series of operational steps are performed on a computer or other programmable device to produce computer-implemented processing for execution on a computer or other programmable device. The instructions provide steps for implementing the functions specified in one or more of the flow or in a block or blocks of a flow diagram.

While the preferred embodiment of the present application has been described, it will be apparent that those skilled in the art can make further changes and modifications to the embodiments. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments and the modifications and

It will be apparent to those skilled in the art that various modifications and changes can be made in the present application without departing from the spirit and scope of the application. Thus, it is intended that the present invention cover the modifications and variations of the present invention.

Claims

A payment method, comprising:

The payment server receives the prompt information request sent by the user terminal, and the client terminal has a client corresponding to the collection server;

The payment server sends a prompt message to the user terminal according to the prompt information request, where the prompt information is used to instruct the user to provide voiceprint information according to the prompt information;

Receiving, by the collection server, the voiceprint information input by the user to be paid sent by the payment terminal;

The payment server determines whether the voiceprint information input by the user to be paid and the voiceprint information in the voiceprint information database and the prompt information match;

If yes, the payment server obtains the payment account of the user to be paid and the payment amount to be paid sent by the collection terminal;

The payment server sends a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment, and the payment notification includes the payment amount to be paid and the payment account of the user to be paid.
The method of claim 1, wherein before the payment server receives the prompt information request sent by the user terminal, the method further includes:

The payment server receives the user registration information sent by the user terminal, where the user registration information includes a user identity identification number ID, a payment account bound to the user ID, a user terminal number bound to the user ID, and N sets of voiceprint information. N is greater than or equal to 1;

The payment server stores the user registration information sent by the user terminal.
The method of claim 1, wherein the payment server sends the prompt information to the user terminal according to the prompt information request, including:

The collection server selects one or any combination of voiceprint information from the N sets of voiceprint information bound to the user terminal;

The payment server determines the text corresponding to the selected voiceprint information as the prompt information;

The payment server sends the prompt information to the user terminal in the form of a short message.
The method of claim 1, wherein the payment server sends the prompt information to the user terminal according to the prompt information request, including:

The collection server selects one or any combination of voiceprint information from the N sets of voiceprint information bound to the user terminal;

The payment server determines the text corresponding to the selected voiceprint information as the prompt information;

The payment server returns the prompt information to a client in the user terminal.
The method according to claim 3 or 4, wherein the collection server selects any combination of voiceprint information from the N sets of voiceprint information bound to the user terminal, including:

The collection server randomly selects M sets of voiceprint information from the N sets of voiceprint information, and forms the M voiceprint information into a voiceprint information, where M is a positive integer; or

The collection server selects one or more voiceprint segments from any of the M sets of voiceprint information of the N sets of voiceprint information, and combines the selected one or more voiceprint segments into a voiceprint information, wherein each The voiceprint segment is a subset of the group voiceprint information to which the voiceprint segment belongs, 0 < M ≤ N.
A payment device, comprising:

a first receiving unit, configured to receive a prompt information request sent by the user terminal, where the user terminal is provided with a client corresponding to the payment server;

a sending unit, configured to send prompt information to the user terminal according to the prompt information request, where the prompt information is used to instruct the user to provide voiceprint information according to the prompt information;

a second receiving unit, configured to receive voiceprint information of the user input to be paid sent by the payment terminal;

a matching unit, configured to determine whether the voiceprint information input by the user to be paid and the voiceprint information in the voiceprint information database and the prompt information match;

And an obtaining unit, configured to: if the voiceprint information input by the user to be paid matches the voiceprint information in the voiceprint information database and the prompt information, acquire the payment account of the user to be paid and the payment sent by the payment terminal The amount of payment paid;

And a payment unit, configured to send a payment notification to the account management party corresponding to the payment account of the user to be paid to complete the payment, where the payment notification includes the payment amount to be paid and the payment account of the user to be paid.
The device according to claim 6, further comprising: a third receiving unit and a storage unit;

Before receiving the prompt information request sent by the user terminal, the third receiving unit is specifically configured to receive user registration information sent by the user terminal, where the user registration information includes a user identity identification number ID and a payment account bound to the user ID, User terminal number bound to the user ID and N sets of voiceprint information, N is greater than or equal to 1;

The storage unit is specifically configured to store user registration information sent by the user terminal.
The device according to claim 6, wherein the sending unit is specifically configured to:

Selecting one or any combination of voiceprint information from the N sets of voiceprint information bound to the user terminal;

Determining the text corresponding to the selected voiceprint information as prompt information;

Sending the prompt information to the user terminal in the form of a short message.
The device according to claim 6, wherein the sending unit is specifically configured to:

Selecting one or any combination of voiceprint information from the N sets of voiceprint information bound to the user terminal;

Determining the text corresponding to the selected voiceprint information as prompt information;

Returning the prompt information to a client in the user terminal.
The device according to claim 8 or 9, wherein the sending unit is specifically configured to:

Selecting M sets of voiceprint information from the N sets of voiceprint information, and forming the M sets of voiceprint information into a voiceprint information, where M is a positive integer; or

Selecting one or more voice segments from any M sets of voiceprint information of the N sets of voiceprint information, and selecting one or more voice segments to form a voiceprint information, wherein each voice segment is A subset of the group of voiceprint information to which the voiceprint segment belongs, 0 < M ≤ N.
A payment device, comprising:

At least one processor; and,

a memory communicatively coupled to the at least one processor; wherein

The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to perform the payment method of any of claims 1-5 .
A non-transitory computer readable storage medium, wherein the non-transitory computer readable storage medium stores computer instructions for causing the computer to perform the payment of any of claims 1-5 method.
A computer program product, comprising: a computing program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions, when the program instructions are executed by a computer, The computer performs the payment method of any of claims 1-5.