CN107239950A - A kind of bank card consumption intelligent protection system based on speech recognition - Google Patents
A kind of bank card consumption intelligent protection system based on speech recognition Download PDFInfo
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- CN107239950A CN107239950A CN201710400164.7A CN201710400164A CN107239950A CN 107239950 A CN107239950 A CN 107239950A CN 201710400164 A CN201710400164 A CN 201710400164A CN 107239950 A CN107239950 A CN 107239950A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/356—Aspects of software for card payments
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- Computer Security & Cryptography (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of bank card consumption intelligent protection system based on speech recognition, including：Information acquisition module, authentication information and sound authentication information for gathering bank card owning user when user activates bank card；Information authentication module, for when bank card is merchandised, authentication information to bank card owning user is verified, the acoustic information of the user is verified after the authentication information of above-mentioned user is proved to be successful, after the sound authentication Information Authentication success of the user, output information is proved to be successful result；Trade confirmation module, for completing transaction after information authentication module output information is proved to be successful result.The present invention has fully ensured the security of user's bank card consumption, because the identification of user's tone color is stronger, and the reproducibility of user's tone color is relatively low, therefore this feature is tested to the security of user identity using sound timbre, can improve the specific aim and validity to subscriber authentication.
Description
Technical field
The present invention relates to bank card consumption protection technique field, more particularly to a kind of bank card consumption based on speech recognition
Intelligent protection system.
Background technology
Bank sets up by card number and password key part the bank card while managing to each bank card holder in due course
People's Account element, holder opens its people's specified account by bank card number and the personal password key part set up, through silver
Row system completes various funds transaction activities.It is existing it is this implemented with single password key part bank card specified account management
There is safety management leak in technological means, offender, which illegally obtains, just can easily steal fund in card after bank card password,
Legal holden is set to sustain a great loss, especially legal holden is threatened by force in the state by illegal restriction of personal freedom
When going out bank card password, loss will not exclusively bank card fund, holder's life security is more also difficult to ensure that.So how
The criminal offence controlled for bank's cardholder just turns into the key technical problem for improving bank card security management system.
The content of the invention
The technical problem existed based on background technology, the present invention proposes a kind of bank card consumption intelligence based on speech recognition
Can guard system.
Bank card consumption intelligent protection system proposed by the present invention based on speech recognition, including：
Information acquisition module, for user activate bank card when collection bank card owning user authentication information with
And sound authentication information；
Information authentication module, for when bank card is merchandised, the authentication information to bank card owning user to be entered
Row checking, is verified after the authentication information of above-mentioned user is proved to be successful to the acoustic information of the user, as the user
Sound authentication Information Authentication success after, output information is proved to be successful result；
Trade confirmation module, for completing transaction after information authentication module output information is proved to be successful result.
Preferably, in information acquisition module, the authentication information of the user includes the name of the user, correspondent party
Formula, ID card No., trading password.
Preferably, in information authentication module, the authentication information progress checking to user described in bank card is specifically included：
The name of user, contact method, ID card No., trading password are verified, and when name, contact method, the body of user
When part card number, trading password are proved to be successful, judge that the authentication information of user is proved to be successful, name, connection as user
When being authentication failed at least one of in mode, ID card No., trading password, to the authentication information of bank card owning user
Carry out second of checking and third time to verify, when second of checking is proved to be successful with any time in third time verification process, sentence
The authentication information for determining user is proved to be successful.
Preferably, in addition to abnormal alarm module；
When authentication information authentication failed in third time verification process of user, abnormal alarm module passes through user
Authentication information in contact method push the abnormal information of bank authentication to user.
Preferably, in information authentication module, the sound authentication information progress checking to the user is specifically included：
When bank card is merchandised, the acoustic information of user is gathered, and user is analyzed by the acoustic information of user
Tone color, and the tone color of user is compared with the tone color in user voice authentication information, when comparative result is matched, judged
The sound authentication Information Authentication success of user, when comparative result is mismatched, the sound authentication information to user is carried out second
Checking is verified with third time, when second of checking is proved to be successful with any time in third time verification process, judges the sound of user
Sound authentication information is proved to be successful.
Preferably, abnormal alarm module is additionally operable to：When the sound authentication information of user is verified in third time verification process
During failure, the abnormal information of bank authentication is pushed to user by the contact method in the authentication information of user.
Preferably, trade confirmation module specifically for：
Transaction, and the body that Transaction Information is passed through into user are completed after information authentication module output information is proved to be successful result
Contact method in part authentication information is sent to user, above-mentioned Transaction Information include trading item, dealing money, exchange hour,
Beneficiary title.
The present invention is the security for ensureing user's bank card consumption, it is proposed that a kind of intelligent protection system based on speech recognition
System, because the identification of user's tone color is stronger, and the reproducibility of user's tone color is relatively low, therefore utilizes this feature of sound timbre
Security to user identity is tested, and can improve the specific aim and validity to subscriber authentication.Specifically：Occurring
During transaction, the basic identity information to user is acquired and detected, above-mentioned basic identity information is used to pacify the identity of user
First step judgement is done entirely, when the first step, which is verified, to be completed, the acoustic information of collection user does second step judgement, in the deterministic process
In, the tone color in user voice is verified emphatically, because the identification of tone color is strong, therefore second step deterministic process can have
Effect ground determines the authenticity and security of user identity, and after the timbre information of user completes serious, system then completes transaction, from
And ensure the stability and security of transaction.
Further, in the identity information and timbre information verification process of user, if occur checking exception, system
Checking abnormal information is sent to user, facilitates user to check that account whether there is potential danger in time, so as to be conducive to user
Targetedly counter-measure is taken in time, so as to further ensure account safety and the fund security of user.
Brief description of the drawings
Fig. 1 is a kind of structural representation of the bank card consumption intelligent protection system based on speech recognition.
Embodiment
As shown in figure 1, Fig. 1 is a kind of bank card consumption intelligent protection system based on speech recognition proposed by the present invention.
Reference picture 1, the bank card consumption intelligent protection system proposed by the present invention based on speech recognition, including：
Information acquisition module, for user activate bank card when collection bank card owning user authentication information with
And sound authentication information；Name of the authentication information of the user including the user, contact method, ID card No., friendship
Easy password, is acquired and is verified by the above-mentioned essential information to user, be conducive to by the correct of above-mentioned essential information with
The no authenticity to user identity is done first step checking and judged, if the essential information checking of user is lost in this verification process
Lose, show that the account of user there may be larger danger, then do not carry out necessity of next step Information Authentication.
Information authentication module, for when bank card is merchandised, the authentication information to bank card owning user to be entered
Row checking, is verified after the authentication information of above-mentioned user is proved to be successful to the acoustic information of the user, as the user
Sound authentication Information Authentication success after, output information is proved to be successful result；Information authentication module is only recognized in the identity of user
Just the acoustic information of user is verified after card Information Authentication, the specific aim of subscriber authentication is not only increased, and subtract
The small useless workload of information authentication module, is conducive to improving the operating efficiency of information authentication module.
Trade confirmation module, for completing transaction after information authentication module output information is proved to be successful result；Transaction is true
Recognize module specifically for：
Transaction, and the body that Transaction Information is passed through into user are completed after information authentication module output information is proved to be successful result
Contact method in part authentication information is sent to user, above-mentioned Transaction Information include trading item, dealing money, exchange hour,
Beneficiary title；Record above-mentioned Transaction Information and send it to user, be conducive to the specifying information for allowing user to know transaction, and
Be conducive to tracing back to the actual conditions of transaction in the later stage.
In present embodiment, in information authentication module, the authentication information to user described in bank card carries out checking tool
Body includes：The name of user, contact method, ID card No., trading password are verified, and work as the name of user, contact
When mode, ID card No., trading password are proved to be successful, show that user has passed through first step inspection, now judge user's
Authentication information is proved to be successful, when the checking of at least one in the name of user, contact method, ID card No., trading password
During failure, show that at least one information is mismatched in the essential information of user, now the identity of user there may be exception, but
Faulty operation when being inputted in order to avoid user, system is provided to be carried out second to the authentication information of bank card owning user
The chance of checking and third time checking, when second of checking is proved to be successful with any time in third time verification process, shows to use
The identity information at family is verified by the first step, then judges that the authentication information of user is proved to be successful.
To ensure the security in the first step verification process of identity information, present embodiment also includes abnormal warning mould
Block；
When authentication information authentication failed in third time verification process of user, show user continuous three times in body
Equal authentication failed in part information verification process, to avoid occurring abnormal conditions, the authentication that abnormal alarm module passes through user
Contact method in information pushes the abnormal information of bank authentication to user, allows user to recognize that user whether there is potential danger
Danger, facilitates user to take targetedly reply operation in time, ensures the safety of user account.
In the present embodiment, in information authentication module, the sound authentication information progress checking to the user is specifically included：
When bank card is merchandised, the acoustic information of user is gathered, and user is analyzed by the acoustic information of user
Tone color, and the tone color of user is compared with the tone color in user voice authentication information, because the tone color of each user is equal
Differ and differ greatly, therefore second step is done come the authenticity to user identity using the characteristic and judge to effectively improve
The validity of the result；When comparative result is matched, show that the tone color of user is verified by second step, now judge user's
Sound authentication Information Authentication success, when comparative result is mismatched, shows that first time the result is present abnormal, to improve second
The accuracy of verification process is walked, the sound authentication information of system of users carries out second of checking and third time is verified, when second
When secondary checking is proved to be successful with any time in third time verification process, show that the tamber characteristic of user has passed through second step checking,
Now judge the sound authentication Information Authentication success of user；
It should be noted that to improve the validity that second step verification process is verified to user's tone color, can pass through
Mode that bank makes a phone call to the user merchandised verified, content and sound during being made a phone call by analyzing user
Sound is prevented disabled user and the situation that second step is verified is dealt with using recording, fully to analyze the authenticity of user identity
Improve the validity of the verification process and the result.
In second step verification process, when sound authentication information authentication failed in third time verification process of user,
Show continuous three authentication faileds of sound authentication of user, the account of user there may be consciousness, now abnormal alarm module leads to
The contact method crossed in the authentication information of user pushes the abnormal information of bank authentication to user, is conducive to reminding user
Take targetedly remedial measure in time in abnormal cases, further ensure account safety and the fund security of user.
Present embodiment is the security for ensureing user's bank card consumption, it is proposed that a kind of intelligence based on speech recognition is prevented
Protecting system, because the identification of user's tone color is stronger, and the reproducibility of user's tone color is relatively low, therefore using sound timbre this
Feature is tested to the security of user identity, can improve the specific aim and validity to subscriber authentication.Specifically：
When merchandising, the basic identity information to user is acquired and detected, above-mentioned basic identity information is used for the body to user
Part safety does first step judgement, and when the first step, which is verified, to be completed, the acoustic information of collection user does second step judgement, in the judgement
During, the tone color in user voice is verified emphatically, because the identification of tone color is strong, therefore second step deterministic process can
Effectively to determine the authenticity and security of user identity, after the timbre information of user completes serious, system then completes to hand over
Easily, so as to ensure the stability and security of transaction.
Further, in the identity information and timbre information verification process of user, if occur checking exception, system
Checking abnormal information is sent to user, facilitates user to check that account whether there is potential danger in time, so as to be conducive to user
Targetedly counter-measure is taken in time, so as to further ensure account safety and the fund security of user.
The foregoing is only a preferred embodiment of the present invention, but protection scope of the present invention be not limited thereto,
Any one skilled in the art the invention discloses technical scope in, technique according to the invention scheme and its
Inventive concept is subject to equivalent substitution or change, should all be included within the scope of the present invention.
Claims (7)
1. a kind of bank card consumption intelligent protection system based on speech recognition, it is characterised in that including：
Information acquisition module, authentication information and sound for the collection bank card owning user when user activates bank card
Sound authentication information；
Information authentication module, for when bank card is merchandised, the authentication information to bank card owning user to be tested
Card, is verified after the authentication information of above-mentioned user is proved to be successful to the acoustic information of the user, when the sound of the user
After sound authentication information is proved to be successful, output information is proved to be successful result；
Trade confirmation module, for completing transaction after information authentication module output information is proved to be successful result.
2. the bank card consumption intelligent protection system according to claim 1 based on speech recognition, it is characterised in that information
In acquisition module, name of the authentication information including the user of the user, contact method, ID card No., transaction are close
Code.
3. the bank card consumption intelligent protection system according to claim 2 based on speech recognition, it is characterised in that information
In authentication module, the authentication information progress checking to user described in bank card is specifically included：Name, correspondent party to user
Formula, ID card No., trading password are verified, and it is equal to work as name, contact method, ID card No., the trading password of user
When being proved to be successful, judge that the authentication information of user is proved to be successful, when the name of user, contact method, ID card No., friendship
In easy password during at least one authentication failed, the authentication information to bank card owning user carries out second of checking and the 3rd
Secondary checking, when second of checking is proved to be successful with any time in third time verification process, judges the authentication information of user
It is proved to be successful.
4. the bank card consumption intelligent protection system according to claim 3 based on speech recognition, it is characterised in that also wrap
Include abnormal alarm module；
When authentication information authentication failed in third time verification process of user, the body that abnormal alarm module passes through user
Contact method in part authentication information pushes the abnormal information of bank authentication to user.
5. the bank card consumption intelligent protection system according to claim 4 based on speech recognition, it is characterised in that information
In authentication module, the sound authentication information progress checking to the user is specifically included：
When bank card is merchandised, the acoustic information of user is gathered, and analyzes by the acoustic information of user the sound of user
Color, and the tone color of user is compared with the tone color in user voice authentication information, when comparative result is matched, judge user
Sound authentication Information Authentication success, when comparative result is mismatched, second of checking is carried out to the sound authentication information of user
Verified with third time, when second of checking is proved to be successful with any time in third time verification process, judge that the sound of user is recognized
Demonstrate,prove Information Authentication success.
6. the bank card consumption intelligent protection system according to claim 5 based on speech recognition, it is characterised in that abnormal
Alarm module is additionally operable to：When sound authentication information authentication failed in third time verification process of user, pass through the body of user
Contact method in part authentication information pushes the abnormal information of bank authentication to user.
7. the bank card consumption intelligent protection system according to claim 2 based on speech recognition, it is characterised in that transaction
Confirm module specifically for：
Transaction is completed after information authentication module output information is proved to be successful result, and Transaction Information is recognized by the identity of user
Contact method in card information is sent to user, and above-mentioned Transaction Information includes trading item, dealing money, exchange hour, gathering
Square title.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201710400164.7A CN107239950A (en) | 2017-05-31 | 2017-05-31 | A kind of bank card consumption intelligent protection system based on speech recognition |
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| CN201710400164.7A CN107239950A (en) | 2017-05-31 | 2017-05-31 | A kind of bank card consumption intelligent protection system based on speech recognition |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109508992A (en) * | 2018-10-16 | 2019-03-22 | 深圳壹账通智能科技有限公司 | The method, apparatus and terminal device of subscriber authentication |
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