CN108428134A - Electronic device, IVR voice payments method and computer readable storage medium - Google Patents
Electronic device, IVR voice payments method and computer readable storage medium Download PDFInfo
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- G—PHYSICS
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- 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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- 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
- G06Q20/409—Device specific authentication in transaction processing
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- G06Q20/00—Payment architectures, schemes or protocols
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M3/00—Automatic or semi-automatic exchanges
- H04M3/42—Systems providing special services or facilities to subscribers
- H04M3/487—Arrangements for providing information services, e.g. recorded voice services or time announcements
- H04M3/493—Interactive information services, e.g. directory enquiries ; Arrangements therefor, e.g. interactive voice response [IVR] systems or voice portals
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Abstract
The present invention discloses a kind of electronic device, IVR voice payments method and computer readable storage medium, wherein this method includes：After the voice payment request for receiving inlet wire client, the corresponding client identity information of current inlet wire number is obtained；After success obtains client identity information, the corresponding authorized bank's card information of the client identity information is obtained；After success obtains authorized bank's card information, the card number information that prompt client says authorized bank's card is reported；The voice data that client says card number information is received, vocal print feature therein is extracted, and determines the corresponding client's vocal print feature data of existing customer identity information, the two is matched；After successful match, the card number information in the voice data received is extracted, and the card number information and authorized bank's card information are compared；After comparing successfully, operation of withholing is carried out to the card of authorized bank got.Technical solution of the present invention improves applicable scene and the safety of IVR voice payments.
Description
Technical field
The present invention relates to voice payment technical field, more particularly to a kind of electronic device, IVR voice payments method and calculating
Machine readable storage medium storing program for executing.
Background technology
In current phone insurance sales, there are clients inputted in telephone relation credit number mandate insurance company into
The scene that row is withheld without card.Pretending to be client to carry out mandate in order to avoid unauthorized person leads to client's property loss, at present can be by being
Telephone number in system control current talking must be consistent with the insurer of declaration form, warrantee's telephone number, can authorize.The party
Although formula can preferably control risk, have the following problems：
1, the telephone number being confined in current talking must be consistent with the insurer of declaration form, warrantee's telephone number,
Client abandons using can only be suggested at this time to be not suitable under the different scene of telephone number with warrantee's difference for insurer
IVR voice payments.
2, oneself is all revised as the insurer of client's declaration form and warrantee's telephone number for intra-company attendant
Or the phone of relatives and friends, and the situation dialed, system management and control is unavoidable, can only pass through the subsequent quality inspection core of company
It the management means such as looks into, punish to carry out, it is of high cost and there are certain business risk, easily cause customer complaint.
Invention content
The main object of the present invention is to provide a kind of IVR voice payments method, it is intended to make the applicable scene of IVR voice payments
Wider, safety higher.
To achieve the above object, electronic device proposed by the present invention, including memory, processor and it is stored in the storage
On device and the IVR voice payment systems that can run on the processor, the IVR voice payment systems are held by the processor
Following steps are realized when row：
A, after the voice payment request for receiving inlet wire client, believed according to predetermined telephone number and client identity
The mapping relations of breath obtain the corresponding client identity information of current inlet wire number；
B, after successfully obtaining client identity information, according to predetermined client identity information and the card letter of authorized bank
Mapping relations between breath obtain the corresponding authorized bank's card information of existing customer identity information；
C, it after successfully obtaining the card information of authorized bank corresponding to existing customer identity information, reports prompt client and says
Go out the signal language of the card number information of the bank card authorized；
D, the voice data that client says card number information is received, the vocal print feature in the voice data received is extracted, and
According to the mapping relations of predetermined client identity information and client's vocal print feature data, existing customer identity information pair is determined
The client's vocal print feature data answered match the vocal print feature with the client's vocal print feature data determined；
E, in the vocal print feature voice number received is extracted with after determining client's vocal print feature Data Matching success
Card number information in, and the card number mantissa information extracted is compared with the card information of authorized bank got；
F, after the card number information extracted and the card information of authorized bank got compare successfully, according to described
Payment information in voice payment request withholds to the bank card corresponding to the card information of authorized bank got
Operation.
Preferably, following steps are also realized when the IVR voice payment systems are executed by the processor：
After the card number information extracted and the card information of authorized bank got compare unsuccessfully, reports prompt and use
The wrong signal language of family card number information, and jump to the step C.
Preferably, following steps are also realized when the IVR voice payment systems are executed by the processor：
In the mapping relations according to predetermined telephone number and client identity information, client identity information failure is obtained
Afterwards, the character string of preset quantity character is generated at random, and the correlation reported the character string and user is prompted to repeat the character string carries
Show language；
It receives client and repeats the voice data corresponding to the character string, extract the content in the voice data received, and
The content for the character string that the content extracted and system are reported is compared；
After the content for the character string that the content extracted and system are reported compares successfully, the voice received is extracted
Vocal print feature in data carries out client's vocal print feature data in the vocal print feature and voice print database that extract one by one
Match；
After client's vocal print feature Data Matching success in the vocal print feature and voice print database extracted, according to
The mapping relations of predetermined client identity information and client's vocal print feature data, the vocal print feature extracted described in acquisition
The client identity information corresponding to client's vocal print feature data being fitted on；
According to the mapping relations of predetermined client identity information and authorized bank's card information, existing customer body is obtained
The corresponding authorized bank's card information of part information；
After successfully obtaining the card information of authorized bank corresponding to existing customer identity information, according to the voice payment
Payment information in request carries out operation of withholing to the bank card corresponding to the card information of authorized bank got.
Preferably, following steps are also realized when the IVR voice payment systems are executed by the processor：
After obtaining the card information failure of authorized bank corresponding to existing customer identity information, prompt client's typing is reported
The signal language of bank card relevant information；
The voice data of the bank card relevant information of customer voice input is received, in the voice data received described in extraction
Vocal print feature determine current visitor according to the mapping relations of predetermined client identity information and client's vocal print feature data
The corresponding client's vocal print feature data of family identity information, by the vocal print feature extracted and determining client's vocal print feature number
According to being matched；
After the vocal print feature extracted and the client's vocal print feature Data Matching determined success, according to customer voice
The bank card relevant information of input completes the typing mandate of bank card information；
The silver corresponding to bank card information of the payment information to the typing mandate in being asked according to the voice payment
Row card carries out operation of withholing.
The present invention also proposes a kind of electronic device, and the electronic device includes memory, processor and is stored in described deposit
On reservoir and the IVR voice payment systems that can run on the processor, the IVR voice payment systems are by the processor
Following steps are realized when execution：
After the voice payment request for receiving inlet wire client, according to predetermined telephone number and client identity information
Mapping relations, obtain the corresponding client identity information of current inlet wire number；
After successfully obtaining client identity information, according to predetermined client identity information and authorized bank's card information
Between mapping relations, obtain the corresponding authorized bank's card information of existing customer identity information；
After successfully obtaining the card information of authorized bank corresponding to existing customer identity information, reports prompt client and say
The signal language of the card number information of the bank card authorized；
The voice data that client says card number information is received, the card number mantissa information in the voice data received is extracted,
And the card number information extracted is compared with the card information of authorized bank got；
After the card number information extracted and the card information of authorized bank got compare successfully, extraction receives
Voice data in vocal print feature, and closed according to the mapping of predetermined client identity information and client's vocal print feature data
System, determines the corresponding client's vocal print feature data of existing customer identity information, by the vocal print feature and determining client's vocal print
Characteristic is matched；
In the vocal print feature with after determining client's vocal print feature Data Matching success, asked according to the voice payment
In payment information operation of withholing is carried out to the bank card corresponding to the card information of authorized bank got.
The present invention also proposes a kind of IVR voice payments method, the method includes：
A, after the voice payment request for receiving inlet wire client, believed according to predetermined telephone number and client identity
The mapping relations of breath obtain the corresponding client identity information of current inlet wire number；
B, after successfully obtaining client identity information, according to predetermined client identity information and the card letter of authorized bank
Mapping relations between breath obtain the corresponding authorized bank's card information of existing customer identity information；
C, it after successfully obtaining the card information of authorized bank corresponding to existing customer identity information, reports prompt client and says
Go out the signal language of the card number information of the bank card authorized；
D, the voice data that client says card number information is received, the vocal print feature in the voice data received is extracted, and
According to the mapping relations of predetermined client identity information and client's vocal print feature data, existing customer identity information pair is determined
The client's vocal print feature data answered match the vocal print feature with the client's vocal print feature data determined；
E, in the vocal print feature voice number received is extracted with after determining client's vocal print feature Data Matching success
Card number information in, and the card number information extracted is compared with the card information of authorized bank got；
F, after the card number information extracted and the card information of authorized bank got compare successfully, according to described
Payment information in voice payment request withholds to the bank card corresponding to the card information of authorized bank got
Operation.
Preferably, after the step C, the IVR voice payments method includes：
The voice data that client says card number information is received, extracts the card number information in the voice data received, and will
The card number information extracted is compared with the card information of authorized bank got；
After the card number information extracted and the card information of authorized bank got compare successfully, extraction receives
Voice data in vocal print feature, and closed according to the mapping of predetermined client identity information and client's vocal print feature data
System, determines the corresponding client's vocal print feature data of existing customer identity information, by the vocal print feature and determining client's vocal print
Characteristic is matched；
In the vocal print feature with after determining client's vocal print feature Data Matching success, asked according to the voice payment
In payment information operation of withholing is carried out to the bank card corresponding to the card information of authorized bank got.
Preferably, the IVR voice payments method further includes：
In the mapping relations according to predetermined telephone number and client identity information, client identity information failure is obtained
Afterwards, the character string of preset quantity character is generated at random, and the correlation reported the character string and user is prompted to repeat the character string carries
Show language；
It receives client and repeats the voice data corresponding to the character string, extract the content in the voice data received, and
The content for the character string that the content extracted and system are reported is compared；
After the content for the character string that the content extracted and system are reported compares successfully, the voice received is extracted
Vocal print feature in data carries out client's vocal print feature data in the vocal print feature and voice print database that extract one by one
Match；
After client's vocal print feature Data Matching success in the vocal print feature and voice print database extracted, according to
The mapping relations of predetermined client identity information and client's vocal print feature data, the vocal print feature extracted described in acquisition
The client identity information corresponding to client's vocal print feature data being fitted on；
According to the mapping relations of predetermined client identity information and authorized bank's card information, existing customer body is obtained
The corresponding authorized bank's card information of part information；
After successfully obtaining the card information of authorized bank corresponding to existing customer identity information, according to the voice payment
Payment information in request carries out operation of withholing to the bank card corresponding to the card information of authorized bank got.
Preferably, the IVR voice payments method further includes：
After obtaining the card information failure of authorized bank corresponding to existing customer identity information, prompt client's typing is reported
The signal language of bank card relevant information；
The voice data of the bank card relevant information of customer voice input is received, in the voice data received described in extraction
Vocal print feature determine current visitor according to the mapping relations of predetermined client identity information and client's vocal print feature data
The corresponding client's vocal print feature data of family identity information, by the vocal print feature extracted and determining client's vocal print feature number
According to being matched；
After the vocal print feature extracted and the client's vocal print feature Data Matching determined success, according to customer voice
The bank card relevant information of input completes the typing mandate of bank card information；
The silver corresponding to bank card information of the payment information to the typing mandate in being asked according to the voice payment
Row card carries out operation of withholing.
The present invention also proposes that a kind of computer readable storage medium, the computer-readable recording medium storage have IVR languages
Sound payment system, the IVR voice payment systems can be executed by least one processor, so that at least one processor is held
Row IVR voice payments method described in any one of the above embodiments.
The present invention obtains client's body of inlet wire client according to inlet wire number in inlet wire customer requirement IVR voice payments
Part information determines client's vocal print feature data and authorized silver that it prestores in systems further according to the client identity information of acquisition
Row card information, it is desirable that inlet wire customer voice answers the card number information of authorized bank's card, and from the voice data that client answers
Card number information and vocal print feature are extracted, the vocal print feature extracted is verified with the client's vocal print feature Data Matching determined, with
And by the card number information extracted and the determining card information comparison of authorized bank, in vocal print and the double verification of card number information
After passing through, system just executes the IVR voice payments requirement of inlet wire client, carries out operation of withholing.Compared with prior art, this hair
Bright scheme is by confirming the body of inlet wire client to carrying out client's voice print verification and the card number information verification of authorized bank's card
Part, to execute the operation of withholing of IVR voice payments request, effectively avoiding the case where other people pretend to be client to authorize sends out
Raw, there is no need to by requiring insurer is identical with warrantee to control risk；In addition, will be objective for intra-company attendant
The telephone number at family is revised as the situation that the phone of oneself or relatives and friends are dialed, since intra-company attendant can not
By voice print verification and the card number information verification of authorized bank's card, therefore the situation can not authorize operation of withholing, effective to ensure
The property safety of client.
Description of the drawings
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technology description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with
The structure shown according to these attached drawings obtains other attached drawings.
Fig. 1 is the flow chart of one embodiment of IVR voice payments method of the present invention；
Fig. 2 is the flow chart of two embodiment of IVR voice payments method of the present invention；
Fig. 3 is the flow chart of three embodiment of IVR voice payments method of the present invention；
Fig. 4 is the flow chart of four embodiment of IVR voice payments method of the present invention；
Fig. 5 is the running environment schematic diagram of IVR voice payment systems preferred embodiment of the present invention；
Fig. 6 is the functional block diagram of one embodiment of IVR voice payment systems of the present invention；
Fig. 7 is the functional block diagram of two embodiment of IVR voice payment systems of the present invention；
Fig. 8 is the functional block diagram of three embodiment of IVR voice payment systems of the present invention；
Fig. 9 is the functional block diagram of four embodiment of IVR voice payment systems of the present invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific implementation mode
The principle and features of the present invention will be described below with reference to the accompanying drawings, and the given examples are served only to explain the present invention, and
It is non-to be used to limit the scope of the present invention.
The present invention proposes a kind of IVR voice payments method.
As shown in FIG. 1, FIG. 1 is the flow charts of one embodiment of IVR voice payments method of the present invention.
In the present embodiment, which includes：
Step S10, after the voice payment request for receiving inlet wire client, according to predetermined telephone number and client
The mapping relations of identity information obtain the corresponding client identity information of current inlet wire number；
The client identity information (may include customer name, certificate number etc.) of the storage that prestored in system client and its phone number
Code mapping table, when inlet wire customer requirement carry out voice payment after, the system searching pre-set mapping table with
Obtain the client identity information corresponding to current inlet wire number.Wherein, the voice payment request of inlet wire client can be by inlet wire
Client has said the sentence comprising printed words such as payment, payments by voice and has generated, or passes through corresponding button by inlet wire client
Operation generation, etc..
Step S20 according to predetermined client identity information and has authorized silver after successfully obtaining client identity information
Mapping relations between row card information obtain the corresponding authorized bank's card information of existing customer identity information；
The client identity information and mapping relations between authorized bank's card information of storage client are also prestored in system
Table, after successfully getting corresponding client identity information according to inlet wire number, system is by searching for client identity information and
Mapping table between authorized bank's card information, to obtain the silver of mandate corresponding to the client identity information currently got
Row card information.Wherein, authorized bank's card information may include：Bank card number, safety code, validity date, etc..
Step S30 reports prompt after successfully obtaining the card information of authorized bank corresponding to existing customer identity information
Client says the signal language of the card number information of the bank card authorized；
After system successfully gets the card information of authorized bank of existing customer identity information, system is with preset sentence
Content reports signal language, to prompt user to reply the card number information for the bank card that it has been authorized.Wherein, the card number information of bank card
Can be：Before complete card number, card number mantissa (for example, 4, card number end, 5, card number end, 6, card number end) or card number
Several, etc.；The signal language that system is reported is for example, " 4, card number end for woulding you please say authorized bank's card ", " woulds you please say
Complete card number of authorized bank's card ", etc..
Step S40 receives the voice data that client says card number information, and the vocal print extracted in the voice data received is special
Sign, and according to the mapping relations of predetermined client identity information and client's vocal print feature data, determine existing customer identity
The corresponding client's vocal print feature data of information match the vocal print feature with the client's vocal print feature data determined；
Voice print database has been pre-established in system, and the vocal print of all storage clients is pre-saved in the voice print database
Characteristic, and the mapping table of client's vocal print feature data and client identity information is also pre-set in system；In visitor
When card number information is replied in family according to the prompt of report, system receives this part of speech data when client replys card number information, and
The voice data is analyzed to extract its vocal print feature, then believe by searching for client's vocal print feature data and client identity
The mapping table of breath determines the corresponding client's vocal print feature data of existing customer identity information, the sound that then will be extracted
Line feature is matched with the client's vocal print feature data determined, whether see can match.
Step S50 is extracted and is received in the vocal print feature with after the client vocal print feature Data Matching success that determines
Card number information in voice data, and the card number information extracted is compared with the card information of authorized bank got；
If the vocal print feature that system is extracted according to the voice data received and the client's vocal print feature data determined
(i.e. successful match) is matched, then further carries out the verification of card number mantissa, is i.e. system is extracted from the voice data received
Go out card number information, which is compared with the card information of authorized bank got, whether sees the two
It compares successfully.
Step S60 compares success in the card number mantissa information extracted and the card information of authorized bank got
Afterwards, the payment information in being asked according to the voice payment is to the bank corresponding to the card information of authorized bank got
Card carries out operation of withholing.
When the card number information extracted in the voice data replied from client and the card information ratio of authorized bank got
To success, i.e., current inlet wire client has passed through the dual identity verification of system, system then assert according to current inlet wire client into
The client itself corresponding to client identity information that wire size code is got allows for after system passes through the authentication of client
Client uses voice payment, therefore according to the payment information in the request of the voice payment of client, to the silver of mandate got
Bank card corresponding to row card information carries out operation of withholing.
The present embodiment technical solution obtains inlet wire visitor in inlet wire customer requirement IVR voice payments according to inlet wire number
The client identity information at family determines its client's vocal print feature data to prestore in systems further according to the client identity information of acquisition
Authorized bank's card information, it is desirable that inlet wire customer voice answers the card number information of authorized bank's card, and answered from client
Card number information and vocal print feature are extracted in voice data, by the vocal print feature extracted and determining client's vocal print feature data
With verification, and by the card number information extracted and the card information comparison of authorized bank determined, believe in vocal print and card number
It ceases after double verification passes through, system just executes the IVR voice payments requirement of inlet wire client, carries out operation of withholing.
Compared with prior art, this embodiment scheme is by carrying out client's voice print verification and the card of authorized bank's card
Number mantissa information verification confirms the identity of inlet wire client, to execute the operation of withholing of IVR voice payments request, effectively avoids
The case where other people pretend to be client to authorize, there is no need to by requiring insurer is identical with warrantee to control wind
Danger；In addition, the phone that the telephone number of client is revised as to oneself or relatives and friends for intra-company attendant is dialled
The situation beaten, can not be by voice print verification due to intra-company attendant and the card number information of authorized bank's card is verified, therefore
The situation can not authorize operation of withholing, and effectively ensure the property safety of client.In addition, the card number information that authorized bank blocks
Vocal print feature, which is extracted, for the private information of client, therefore in the voice data by saying the private information from client carries out vocal print
Verification can prevent other people using recording the case where passing through voice print verification, ensure that the reliability of voice print verification.
Preferably, the prompt client that system is reported is said the prompt of the card number information of the bank card authorized by the present embodiment
Language is formed using by fixed paragraph and the default paragraph determined at random, wherein fixed paragraph is for example：" woulds you please say and authorized silver
Row card ", default paragraph may include：Complete card number, 4, card number end, 5, card number end, 6, card number end, card number preceding 6
Position, first 7 etc. of card number；In this way, the reliability verified to client identity can be promoted.
Preferably, the IVR voice payments method of the present embodiment further includes：
After the card number information extracted and the card information of authorized bank got compare unsuccessfully, reports prompt and use
The wrong signal language of family card number information, and jump to the step S30.
So that client when card number information is wrong, notifies that client is wrong, and user is allowed to reply card number information again.
As shown in Fig. 2, Fig. 2 is the flow chart of two embodiment of IVR voice payments method of the present invention.
Base of the technical solution of the present embodiment IVR voice payment methods in step S10, S20 and S30 of an example scheme
On plinth, step S40, S50 and S60 of an embodiment are replaced with into following steps：
Step S70 receives the voice data that client says card number mantissa information, extracts the card in the voice data received
Number information, and the card number information extracted is compared with the card information of authorized bank got；
When client replys card number mantissa information according to the prompt of report, the verification of card number information is carried out first；That is system
This part of speech data when client replys card number information are received, and the voice data are analyzed to extract card therein
Number information, which is compared with the card information of authorized bank got, both sees whether to compare
Success.
Step S80, after the card number information extracted and the card information of authorized bank got compare successfully, extraction connects
Vocal print feature in the voice data received, and reflecting according to predetermined client identity information and client's vocal print feature data
Relationship is penetrated, determines the corresponding client's vocal print feature data of existing customer identity information, by the vocal print feature and determining client
Vocal print feature data are matched；
System is after card number information is proved to be successful, then into the voice print verification of line of travel client；Sound has been pre-established in system
Line database pre-saves the vocal print feature data of all storage clients in the voice print database, and is also set in advance in system
The mapping table of client's vocal print feature data and client identity information is set；Divide in the voice data that system is received from this again
Analysis extracts vocal print feature, by searching for the mapping table of client's vocal print feature data and client identity information, determines to work as
The corresponding client's vocal print feature data of preceding client identity information, then by the vocal print feature extracted and the client's vocal print determined
Characteristic is matched, and whether see can match.
Step S90, after the vocal print feature and the client's vocal print feature Data Matching determined success, according to the voice
Payment information in payment request carries out operation of withholing to the bank card corresponding to the card information of authorized bank got.
When the vocal print feature extracted in the voice data replied from client and the client's vocal print feature data determined
After success, i.e., current inlet wire client passes through two authentications of system, and system then assert that current inlet wire client is root
The client itself corresponding to client identity information got according to inlet wire number, after system passes through the authentication of client, just
Allow client to use voice payment, therefore the payment information in being asked according to the voice payment of client, to it is described get awarded
Bank card corresponding to power bank card information carries out operation of withholing.
This embodiment scheme is differed only in an example scheme by vocal print feature verification and the verification of card number tail number
Sequence has been exchanged.
As shown in figure 3, Fig. 3 is the flow chart of three embodiment of IVR voice payments method of the present invention.
This embodiment scheme is based on an above-mentioned embodiment or two embodiments, in the present embodiment, the IVR voice payment methods
Further include：
Step S101 obtains client's body in the mapping relations according to predetermined telephone number and client identity information
It is random to generate the character string of preset quantity character after part information failure, and report the character string and user is prompted to repeat the character
The related signal language of string；
When system is by searching for the mapping table of telephone number and client identity information, without finding currently into wire size
The corresponding client identity information of code, illustrates the telephone number of the storage client preserved in the inlet wire number and nonsystematic, this
In the case of, system cannot determine client identity information according to the inlet wire number；At this point, system generates preset quantity at random
The character string (for example, generating 8 words, letter, number or the character string of a variety of formation of any of the above at random) of character, and report
The character string and report prompt user repeat the signal language of the character string (for example, " woulding you please repeat following sentence：********”).
Step S102 receives client and repeats the voice data corresponding to the character string, extracts in the voice data received
Content, and the content for the character string that the content extracted and system are reported is compared；
System receives voice data when client repeats the character string that system generates at random, and content is carried out to the voice data
Analysis is compared the content for the character string that the content extracted is reported with system with extracting the content in the voice data
It is right, to be confirmed whether that content is identical.
Step S103, after the content for the character string that the content extracted and system are reported compares successfully, extraction connects
Vocal print feature in the voice data received, by client's vocal print feature data in the vocal print feature and voice print database that extract
It is matched one by one；
After the content for the character string that the content extracted is reported with system compares successfully, system is in the voice to receiving
Data are analyzed to extract vocal print feature, and all client's vocal prints in the vocal print feature and vocal print feature database are special
Sign data are matched one by one, to confirm in vocal print feature database with the presence or absence of client's vocal print feature data and current inlet wire visitor
The vocal print feature at family matches, so that it is determined that current inlet wire client whether be company storage client.
Step S104, client's vocal print feature Data Matching in the vocal print feature and voice print database extracted at
After work(, according to the mapping relations of predetermined client identity information and client's vocal print feature data, extracted described in acquisition
The client identity information corresponding to client's vocal print feature data that vocal print feature is matched to；
It is matched with the vocal print feature of current inlet wire client when there are client's vocal print feature data in vocal print feature database
When, illustrate that the client of current inlet wire is the storage client of company, but the client is the telephone number being not enrolled for by system
It dials, at this time system is then according to the mapping relations of client identity information and client's vocal print feature data, finds out and is matched
Client identity information corresponding to client's vocal print feature data, the identity information of as current inlet wire client.Certainly, if all
It fails to match, illustrates that inlet wire client is not the storage client of company, can be handled at this time by turning the artificial service of answering, or press
Preset other manner carries out operation processing.
Step S105 is obtained according to the mapping relations of predetermined client identity information and authorized bank's card information
The corresponding authorized bank's card information of existing customer identity information；
After the client identity information for successfully confirming current inlet wire client, system by searching for client identity information with awarded
The mapping table for weighing bank card information, to find out authorized bank's card information of existing customer.
Step S106, after successfully obtaining the card information of authorized bank corresponding to existing customer identity information, according to institute
Payment information in predicate sound payment request detains the bank card corresponding to the card information of authorized bank got
Money operates.
As shown in figure 4, Fig. 4 is the flow chart of four embodiment of IVR voice payments method of the present invention.This embodiment scheme is based on
An above-mentioned embodiment or two embodiments, in the present embodiment, the IVR voice payments method further includes：
Step S201, after obtaining the card information failure of authorized bank corresponding to existing customer identity information, report carries
Show the signal language of client's typing bank card relevant information；
If there is no authorized the authorized bank of bank card or inlet wire client in systems to block by current inlet wire client
When the situations such as the mandate term of validity are already expired, then the card letter of authorized bank corresponding to existing customer identity information can not be successfully obtained
Breath；System is by reporting signal language at this time, to prompt existing customer typing bank card relevant information, for example, " please say your needs
Type, card number, safety code and the term of validity of the bank card of typing ".
Step S202 receives the voice data of the bank card relevant information of customer voice input, is received described in extraction
Vocal print feature in voice data, according to the mapping relations of predetermined client identity information and client's vocal print feature data,
The corresponding client's vocal print feature data of existing customer identity information are determined, by the vocal print feature extracted and determining client
Vocal print feature data are matched；
System receives the voice data for the bank card relevant information said, and therefrom extracts vocal print feature；And according to current
The client identity information of client finds corresponding client's vocal print feature data in system, by the vocal print feature extracted and finds
Client's vocal print feature data match, to verify the identity of existing customer.
Step S203, after the vocal print feature extracted and the client's vocal print feature Data Matching determined success, root
The typing mandate of bank card information is completed according to the bank card relevant information of customer voice input；
After successful match, i.e. existing customer authentication passes through, and is carried from the bank card relevant information that customer voice inputs
The relevant information (card number, the term of validity, safety code etc.) for taking out bank card in typing mandate to system, and the bank card is believed
Breath is corresponding with the association of the client identity information of existing customer.
Step S204, according to the payment information in voice payment request to the bank card information institute of the typing mandate
Corresponding bank card carries out operation of withholing.
The payment information in the voice payment request of client is extracted, according to the payment information to existing customer typing mandate
Bank card carries out operation of withholing accordingly.
The present invention also proposes a kind of IVR voice payment systems.
Referring to Fig. 5, being the running environment schematic diagram of 10 preferred embodiment of IVR voice payment systems of the present invention.
In the present embodiment, IVR voice payment systems 10 are installed and are run in electronic device 1.Electronic device 1 can be
The computing devices such as desktop PC, notebook, palm PC and server.The electronic device 1 may include, but be not limited only to,
Memory 11, processor 12 and display 13.Fig. 3 illustrates only the electronic device 1 with component 11-13, it should be understood that
It is, it is not required that implement all components shown, the implementation that can be substituted is more or less component.
Memory 11 can be the internal storage unit of electronic device 1 in some embodiments, such as the electronic device 1
Hard disk or memory.Memory 11 can also be the External memory equipment of electronic device 1, such as electronics dress in further embodiments
Set the plug-in type hard disk being equipped on 1, intelligent memory card (SmartMedia Card, SMC), secure digital (Secure
Digital, SD) card, flash card (Flash Card) etc..Further, memory 11 can also both include the interior of electronic device 1
Portion's storage unit also includes External memory equipment.Memory 11 is for storing the application software for being installed on electronic device 1 and all kinds of
Data, for example, IVR voice payment systems 10 program code etc..Memory 11 can be also used for temporarily storing exported or
The data that person will export.
Processor 12 can be in some embodiments a central processing unit (Central Processing Unit,
CPU), microprocessor or other data processing chips, the program code for being stored in run memory 11 or processing data, example
Such as execute IVR voice payment systems 10.
Display 13 can be in some embodiments light-emitting diode display, liquid crystal display, touch-control liquid crystal display and
OLED (Organic Light-Emitting Diode, Organic Light Emitting Diode) touches device etc..Display 13 is for being shown in
The information that is handled in electronic device 1 and for showing visual user interface, such as business customizing interface etc..Electronic device
1 component 11-13 is in communication with each other by system bus.
Referring to Fig. 6, being the functional block diagram of 10 preferred embodiment of IVR voice payment systems of the present invention.In the present embodiment
In, IVR voice payment systems 10 can be divided into one or more modules, one or more module is stored in memory
In 11, and it is performed by one or more processors (the present embodiment is processor 12), to complete the present invention.For example, in Fig. 6
In, IVR voice payment systems 10 can be divided into the first acquisition module 101, the second acquisition module 102, the first reminding module
103, the first matching module 104, the first comparing module 105 and the first payment module 106.The so-called module of the present invention is to refer to
The series of computation machine program instruction section for completing specific function, than program more suitable for description IVR voice payment systems 10 in electricity
Implementation procedure in sub-device 1, wherein：
First acquisition module 101, for receive inlet wire client voice payment request after, according to predetermined electricity
The mapping relations for talking about number and client identity information, obtain the corresponding client identity information of current inlet wire number；
Prestored in system (IVR voice payment systems 10) storage client client identity information (may include customer name,
Certificate number etc.) with the mapping table of its telephone number, after inlet wire customer requirement carries out voice payment, the first acquisition module
101 search the pre-set mapping table to obtain the client identity information corresponding to current inlet wire number.Wherein, inlet wire
The voice payment request of client can say the sentence comprising printed words such as payment, payments by voice by inlet wire client to produce
It is raw, or generated by corresponding button operation by inlet wire client, etc..
Second acquisition module is used for after successfully obtaining client identity information, according to predetermined client identity information
With the mapping relations between authorized bank's card information, the corresponding authorized bank's card information of existing customer identity information is obtained；
The client identity information and mapping relations between authorized bank's card information of storage client are also prestored in system
Table, after the first acquisition module 101 successfully gets corresponding client identity information, the second acquisition module 102 is by searching for visitor
Mapping table between family identity information and authorized bank's card information, to obtain the client identity information institute currently got
Corresponding authorized bank's card information.Wherein, authorized bank's card information may include：Bank card number, safety code, effective day
Phase, etc..
First reminding module 103, for successfully obtaining the card letter of authorized bank corresponding to existing customer identity information
After breath, the signal language that prompt client says the card number information of the bank card authorized is reported；
After the second acquisition module 102 successfully gets the card information of authorized bank of existing customer identity information, first
Reminding module 103 reports signal language with preset sentence content, is believed with the card number for prompting user to reply the bank card that it has been authorized
Breath.Wherein, the card number information of bank card can be：Complete card number, card number mantissa are (for example, 4, card number end, card number end 5
Position, 6, card number end) or card number former positions, etc.；The signal language that first reminding module 103 is reported is for example, " would you please say
4, the card number end of authorized bank's card ", " the complete card number for woulding you please say authorized bank's card ", etc..
First matching module 104, the voice data of card number information is said for receiving client, extracts the voice number received
Vocal print feature in, and according to the mapping relations of predetermined client identity information and client's vocal print feature data, determine
The corresponding client's vocal print feature data of existing customer identity information, by the vocal print feature and determining client's vocal print feature data
It is matched；
Voice print database has been pre-established in system, and the vocal print of all storage clients is pre-saved in the voice print database
Characteristic, and the mapping table of client's vocal print feature data and client identity information is also pre-set in system；In visitor
When card number information is replied in family according to the prompt of report, the first matching module 104 receives this part when client replys card number information
Voice data, and the voice data is analyzed to extract its vocal print feature, then by searching for client's vocal print feature data
With the mapping table of client identity information, the corresponding client's vocal print feature data of existing customer identity information are determined, then
The vocal print feature extracted is matched with the client's vocal print feature data determined, whether see can match.
First comparing module 105 is used for after the vocal print feature and the client's vocal print feature Data Matching determined success,
The card number information in the voice data received is extracted, and the card number information extracted and the authorized bank got are blocked and believed
Breath is compared；
If the vocal print feature extracted and (i.e. successful match) in the client's vocal print feature Data Matching determined, the first ratio
The verification of card number mantissa is further carried out to module 105, i.e. the first comparing module 105 is extracted from the voice data received
The card number information extracted is compared card number information with the card information of authorized bank got, sees whether the two compares
To success.
First payment module 106, for blocking in the card number mantissa information extracted and the authorized bank got
After information comparison success, the payment information in being asked according to the voice payment is to the authorized bank's card information got
Corresponding bank card carries out operation of withholing.
When the card number information extracted in the voice data replied from client and the card information ratio of authorized bank got
To success, i.e., current inlet wire client has passed through the dual identity verification of system, system then assert according to current inlet wire client into
The client itself corresponding to client identity information that wire size code is got allows for after system passes through the authentication of client
Client uses voice payment, therefore the first payment module 106 is obtained according to the payment information in the request of the voice payment of client to described
The bank card corresponding to the card information of authorized bank got carries out operation of withholing.
The present embodiment technical solution obtains inlet wire visitor in inlet wire customer requirement IVR voice payments according to inlet wire number
The client identity information at family determines its client's vocal print feature data to prestore in systems further according to the client identity information of acquisition
Authorized bank's card information, it is desirable that inlet wire customer voice answers the card number information of authorized bank's card, and answered from client
Card number information and vocal print feature are extracted in voice data, by the vocal print feature extracted and determining client's vocal print feature data
With verification, and by the card number information extracted and the card information comparison of authorized bank determined, believe in vocal print and card number
It ceases after double verification passes through, system just executes the IVR voice payments requirement of inlet wire client, carries out operation of withholing.
Compared with prior art, this embodiment scheme is by carrying out client's voice print verification and the card of authorized bank's card
Number mantissa information verification confirms the identity of inlet wire client, to execute the operation of withholing of IVR voice payments request, effectively avoids
The case where other people pretend to be client to authorize, there is no need to by requiring insurer is identical with warrantee to control wind
Danger；In addition, the phone that the telephone number of client is revised as to oneself or relatives and friends for intra-company attendant is dialled
The situation beaten, can not be by voice print verification due to intra-company attendant and the card number information of authorized bank's card is verified, therefore
The situation can not authorize operation of withholing, and effectively ensure the property safety of client.In addition, the card number information that authorized bank blocks
Vocal print feature, which is extracted, for the private information of client, therefore in the voice data by saying the private information from client carries out vocal print
Verification can prevent other people using recording the case where passing through voice print verification, ensure that the reliability of voice print verification.
Preferably, the prompt client that system is reported is said the prompt of the card number information of the bank card authorized by the present embodiment
Language is formed using by fixed paragraph and the default paragraph determined at random, wherein fixed paragraph is for example：" woulds you please say and authorized silver
Row card ", default paragraph may include：Complete card number, 4, card number end, 5, card number end, 6, card number end, card number preceding 6
Position, first 7 etc. of card number；In this way, the reliability verified to client identity can be promoted.
Preferably, first reminding module 103 of the present embodiment be additionally operable to the card number information extracted with get
Authorized bank card information compare failure after, report the wrong signal language of prompt user's card number information, and report prompt client
Say the signal language of the card number information of the bank card authorized.
So that client when card number information is wrong, notifies that client is wrong, and user is allowed to reply card number information again.
As shown in fig. 7, Fig. 7 is the functional block diagram of 10 2 embodiment of IVR voice payment systems of the present invention.
First acquisition module 101, second of the technical solution of the present embodiment IVR voice payment systems in an example scheme
On the basis of acquisition module 102 and the first reminding module 103, by the first matching module 104 of an embodiment, the first comparing module
105 and first payment module 106 replace with the second matching module 107, the second comparing module 108 and the second payment module respectively
109；Wherein：
Second comparing module 108, the voice data of card number mantissa information is said for receiving client, extracts the language received
Card number information in sound data, and the card number information extracted is compared with the card information of authorized bank got；
When client replys card number mantissa information according to the prompt of report, the verification of card number information is carried out first；I.e. second
Comparing module 108 receives this part of speech data when client replys card number information, and is analyzed the voice data to carry
Card number information therein is taken out, which is compared with the card information of authorized bank got, is seen
Whether the two compares success.
Second matching module 107, in the card number information extracted and the authorized bank's card information got
After comparing successfully, the vocal print feature in the voice data received is extracted, and according to predetermined client identity information and visitor
The mapping relations of family vocal print feature data determine the corresponding client's vocal print feature data of existing customer identity information, by the sound
Line feature is matched with the client's vocal print feature data determined；
After being proved to be successful through the card number information of the second comparing module 108, then by the second matching module 107 into line of travel
The voice print verification of client；Voice print database has been pre-established in system, and all storage visitors have been pre-saved in the voice print database
The vocal print feature data at family, and the mapping relations of client's vocal print feature data and client identity information are also pre-set in system
Table；Analysis extracts vocal print feature in the voice data that second matching module 107 is received from this, special by searching for client's vocal print
The mapping table for levying data and client identity information, determines the corresponding client's vocal print feature number of existing customer identity information
According to then the vocal print feature extracted being matched with the client's vocal print feature data determined, whether see can match.
Second payment module 109 is used for after the vocal print feature and the client's vocal print feature Data Matching determined success,
Payment information in being asked according to the voice payment is to the bank card corresponding to the card information of authorized bank got
Carry out operation of withholing.
When the vocal print feature extracted in the voice data replied from client and the client's vocal print feature data determined
After success, i.e., current inlet wire client passes through two authentications of system, and system then assert that current inlet wire client is root
The client itself corresponding to client identity information got according to inlet wire number, after system passes through the authentication of client, just
Allow client to use voice payment, thus the second payment module 109 asked according to the voice payment of client in payment information, to institute
It states the bank card corresponding to the card information of authorized bank got and carries out operation of withholing.
This embodiment scheme is differed only in an example scheme by vocal print feature verification and the verification of card number tail number
Sequence has been exchanged.
As shown in figure 8, Fig. 8 is the functional block diagram of 10 3 embodiment of IVR voice payment systems of the present invention.
Further include in the IVR voice payment systems of the present embodiment：
Second reminding module 110 is used in the mapping relations according to predetermined telephone number and client identity information,
It is random to generate the character string of preset quantity character after obtaining client identity information failure, and report the character string and prompt user
Repeat the related signal language of the character string；
When system is by searching for the mapping table of telephone number and client identity information, without finding currently into wire size
The corresponding client identity information of code, illustrates the telephone number of the storage client preserved in the inlet wire number and nonsystematic, this
In the case of, client identity information cannot be determined according to the inlet wire number；At this point, the second reminding module 110 generates at random
The character string of preset quantity character (for example, generate 8 words, letter, number or the character of a variety of formation of any of the above at random
String), and report the character string and report prompt user and repeat the signal language of the character string (for example, " woulding you please repeat following language
Sentence：********”).
Third comparing module 111 repeats voice data corresponding to the character string for receiving client, extracts and receives
Content in voice data, and the content for the character string that the content extracted and system are reported is compared；
Third comparing module 111 receives voice data when client repeats the character string that system generates at random, to the voice
Data carry out content analysis to extract the content in the voice data, the character string that the content extracted and system are reported
Content be compared, to be confirmed whether that content is identical.
The content of third matching module 112, the character string for being reported in the content extracted and system is compared into
After work(, the vocal print feature in the voice data received is extracted, by the client in the vocal print feature and voice print database that extract
Vocal print feature data are matched one by one；
After the content for the character string that the content extracted is reported with system compares successfully, third matching module 112 is right
The voice data received is analyzed to extract vocal print feature, and by the institute in the vocal print feature and vocal print feature database
There are client's vocal print feature data to match one by one, whether there is client's vocal print feature data in vocal print feature database to confirm
Matched with the vocal print feature of current inlet wire client, so that it is determined that current inlet wire client whether be company storage client.
Third acquisition module 113, it is special for client's vocal print in the vocal print feature and voice print database extracted
After levying Data Matching success, according to the mapping relations of predetermined client identity information and client's vocal print feature data, obtain
The client identity information corresponding to client's vocal print feature data that the vocal print feature extracted is matched to；
It is matched with the vocal print feature of current inlet wire client when there are client's vocal print feature data in vocal print feature database
When, illustrate that the client of current inlet wire is the storage client of company, but the client is the telephone number being not enrolled for by system
It dials, third acquisition module 113 is found out then according to the mapping relations of client identity information and client's vocal print feature data at this time
The client identity information corresponding to client's vocal print feature data being matched, the identity information of as current inlet wire client.When
So, if all it fails to match, illustrate that inlet wire client is not the storage client of company, at this time can by turn it is artificial answer service into
Row processing, or carry out operation processing by preset other manner.
4th acquisition module 114, for reflecting according to predetermined client identity information and authorized bank's card information
Relationship is penetrated, the corresponding authorized bank's card information of existing customer identity information is obtained；
After the client identity information that third acquisition module 113 successfully confirms current inlet wire client, the 4th acquisition module 114
By searching for the mapping table of client identity information and authorized bank's card information, to find out the authorized bank of existing customer
Card information.
Third payment module 115, for successfully being obtained corresponding to existing customer identity information in the 4th acquisition module 114
After authorized bank's card information, the payment information in being asked according to the voice payment, to the authorized bank got
Bank card corresponding to card information carries out operation of withholing.
As shown in figure 9, Fig. 9 is the functional block diagram of 10 4 embodiment of IVR voice payment systems of the present invention.The present embodiment side
Case is based on any of the above-described embodiment, and in the present embodiment, the IVR voice payment systems further include：
Third reminding module 116, for obtaining the card information mistake of authorized bank corresponding to existing customer identity information
After losing, the signal language of prompt client's typing bank card relevant information is reported；
If there is no authorized the authorized bank of bank card or inlet wire client in systems to block by current inlet wire client
When the situations such as the mandate term of validity are already expired, then the card letter of authorized bank corresponding to existing customer identity information can not be successfully obtained
Breath；Third reminding module 116 is by reporting signal language at this time, to prompt existing customer typing bank card relevant information, for example,
" you please be say and need type, card number, safety code and the term of validity of the bank card of typing ".
4th matching module 117, the voice data of the bank card relevant information for receiving customer voice input, extracts institute
The vocal print feature in the voice data received is stated, according to predetermined client identity information and client's vocal print feature data
Mapping relations determine the corresponding client's vocal print feature data of existing customer identity information, by the vocal print feature extracted with
Determining client's vocal print feature data match；
4th matching module 117 receives the voice data for the bank card relevant information said, and therefrom extracts vocal print feature,
And corresponding client's vocal print feature data in system are found according to the client identity information of existing customer, by the vocal print extracted spy
It levies and is matched with the client's vocal print feature data found, to verify the identity of existing customer.
Authorization module 118, for the vocal print feature extracted with determine client's vocal print feature Data Matching at
After work(, the typing mandate of bank card information is completed according to the bank card relevant information of customer voice input；
It is in the 4th matching module 117 that the vocal print feature extracted and the client's vocal print feature Data Matching found is successful
Afterwards, i.e. existing customer authentication passes through, and authorization module 118 extracts silver from the bank card relevant information that customer voice inputs
The relevant information (card number, the term of validity, safety code etc.) of row card, in typing mandate to system, and by the bank card information with work as
The client identity information association of preceding client corresponds to.
4th payment module 119, for the payment information in being asked according to the voice payment to the typing mandate
Bank card corresponding to bank card information carries out operation of withholing.
4th payment module 119 extracts the payment information in the voice payment request of client, according to the payment information to working as
The bank card of preceding client's typing mandate carries out operation of withholing accordingly.
The present invention also proposes that a kind of computer readable storage medium, the computer-readable recording medium storage have IVR languages
Sound payment system, the IVR voice payment systems can be executed by least one processor, so that at least one processor is held
The IVR voice payment methods of any of the above-described embodiment of row.
The foregoing is merely the preferred embodiment of the present invention, are not intended to limit the scope of the invention, every at this
Under the inventive concept of invention, using equivalent structure transformation made by description of the invention and accompanying drawing content, or directly/use indirectly
In the scope of patent protection that other related technical areas are included in the present invention.
Claims (10)
1. a kind of electronic device, which is characterized in that the electronic device includes memory, processor and is stored in the memory
IVR voice payment systems that are upper and can running on the processor, the IVR voice payment systems are executed by the processor
Shi Shixian following steps：
A, after the voice payment request for receiving inlet wire client, according to predetermined telephone number and client identity information
Mapping relations obtain the corresponding client identity information of current inlet wire number；
B, after successfully obtaining client identity information, according to predetermined client identity information and authorized bank's card information it
Between mapping relations, obtain the corresponding authorized bank's card information of existing customer identity information；
C, it after successfully obtaining the card information of authorized bank corresponding to existing customer identity information, reports prompt client and says
The signal language of the card number information of the bank card of mandate；
D, it receives client and says the voice data of card number information, extract the vocal print feature in the voice data received, and according to
The mapping relations of predetermined client identity information and client's vocal print feature data determine that existing customer identity information is corresponding
Client's vocal print feature data match the vocal print feature with the client's vocal print feature data determined；
E, it is extracted in the voice data received with after determining client's vocal print feature Data Matching success in the vocal print feature
Card number information, and the card number information extracted is compared with the card information of authorized bank got；
F, after the card number information extracted and the card information of authorized bank got compare successfully, according to the voice
Payment information in payment request carries out operation of withholing to the bank card corresponding to the card information of authorized bank got.
2. electronic device as described in claim 1, which is characterized in that the IVR voice payment systems are held by the processor
Following steps are also realized when row：
After the card number information extracted and the card information of authorized bank got compare unsuccessfully, prompt subscriber card is reported
Number wrong signal language of information, and jump to the step C.
3. electronic device as described in claim 1, which is characterized in that the IVR voice payment systems are held by the processor
Following steps are also realized when row：
In the mapping relations according to predetermined telephone number and client identity information, after obtaining client identity information failure,
It is random to generate the character string of preset quantity character, and report the character string and user is prompted to repeat the related of the character string and prompt
Language；
It receives client and repeats the voice data corresponding to the character string, extract the content in the voice data received, and will carry
The content of taking-up is compared with the content for the character string that system is reported；
After the content for the character string that the content extracted and system are reported compares successfully, the voice data received is extracted
In vocal print feature, the vocal print feature extracted is matched one by one with client's vocal print feature data in voice print database；
After client's vocal print feature Data Matching success in the vocal print feature and voice print database extracted, according to advance
The mapping relations of determining client identity information and client's vocal print feature data, the vocal print feature extracted described in acquisition are matched to
Client's vocal print feature data corresponding to client identity information；
According to the mapping relations of predetermined client identity information and authorized bank's card information, existing customer identity letter is obtained
Cease corresponding authorized bank's card information；
After successfully obtaining the card information of authorized bank corresponding to existing customer identity information, asked according to the voice payment
In payment information operation of withholing is carried out to the bank card corresponding to the card information of authorized bank got.
4. electronic device as described in claim 1, which is characterized in that the IVR voice payment systems are held by the processor
Following steps are also realized when row：
After obtaining the card information failure of authorized bank corresponding to existing customer identity information, prompt client's typing bank is reported
The signal language of card relevant information；
Receive the voice data of the bank card relevant information of customer voice input, the sound in the voice data received described in extraction
Line feature determines existing customer body according to the mapping relations of predetermined client identity information and client's vocal print feature data
The corresponding client's vocal print feature data of part information, by the vocal print feature extracted and client's vocal print feature data for determining into
Row matching；
In the vocal print feature extracted with after determining client's vocal print feature Data Matching success, inputted according to customer voice
Bank card relevant information complete bank card information typing mandate；
The bank card corresponding to bank card information of the payment information to the typing mandate in being asked according to the voice payment
Carry out operation of withholing.
5. a kind of electronic device, which is characterized in that the electronic device includes memory, processor and is stored in the memory
IVR voice payment systems that are upper and can running on the processor, the IVR voice payment systems are executed by the processor
Shi Shixian following steps：
After the voice payment request for receiving inlet wire client, according to reflecting for predetermined telephone number and client identity information
Relationship is penetrated, the corresponding client identity information of current inlet wire number is obtained；
After successfully obtaining client identity information, according to predetermined client identity information and between authorized bank's card information
Mapping relations, obtain the corresponding authorized bank's card information of existing customer identity information；
After successfully obtaining the card information of authorized bank corresponding to existing customer identity information, report prompt client, which says, have been awarded
The signal language of the card number information of the bank card of power；
The voice data that client says card number information is received, extracts the card number information in the voice data received, and will extraction
The card number information gone out is compared with the card information of authorized bank got；
After the card number information extracted and the card information of authorized bank got compare successfully, the language received is extracted
Vocal print feature in sound data, and according to the mapping relations of predetermined client identity information and client's vocal print feature data,
The corresponding client's vocal print feature data of existing customer identity information are determined, by the vocal print feature and determining client's vocal print feature
Data are matched；
After the vocal print feature and the client's vocal print feature Data Matching determined success, in being asked according to the voice payment
Payment information carries out operation of withholing to the bank card corresponding to the card information of authorized bank got.
6. a kind of IVR voice payments method, which is characterized in that the method includes：
A, after the voice payment request for receiving inlet wire client, according to predetermined telephone number and client identity information
Mapping relations obtain the corresponding client identity information of current inlet wire number；
B, after successfully obtaining client identity information, according to predetermined client identity information and authorized bank's card information it
Between mapping relations, obtain the corresponding authorized bank's card information of existing customer identity information；
C, it after successfully obtaining the card information of authorized bank corresponding to existing customer identity information, reports prompt client and says
The signal language of the card number information of the bank card of mandate；
D, it receives client and says the voice data of card number information, extract the vocal print feature in the voice data received, and according to
The mapping relations of predetermined client identity information and client's vocal print feature data determine that existing customer identity information is corresponding
Client's vocal print feature data match the vocal print feature with the client's vocal print feature data determined；
E, it is extracted in the voice data received with after determining client's vocal print feature Data Matching success in the vocal print feature
Card number information, and the card number information extracted is compared with the card information of authorized bank got；
F, after the card number information extracted and the card information of authorized bank got compare successfully, according to the voice
Payment information in payment request carries out operation of withholing to the bank card corresponding to the card information of authorized bank got.
7. IVR voice payments method as claimed in claim 6, which is characterized in that after the step C, the IVR voices
Method of payment includes：
The voice data that client says card number information is received, extracts the card number information in the voice data received, and will extraction
The card number information gone out is compared with the card information of authorized bank got；
After the card number information extracted and the card information of authorized bank got compare successfully, the language received is extracted
Vocal print feature in sound data, and according to the mapping relations of predetermined client identity information and client's vocal print feature data,
The corresponding client's vocal print feature data of existing customer identity information are determined, by the vocal print feature and determining client's vocal print feature
Data are matched；
After the vocal print feature and the client's vocal print feature Data Matching determined success, in being asked according to the voice payment
Payment information carries out operation of withholing to the bank card corresponding to the card information of authorized bank got.
8. IVR voice payment methods as claimed in claims 6 or 7, which is characterized in that the IVR voice payments method is also wrapped
It includes：
In the mapping relations according to predetermined telephone number and client identity information, after obtaining client identity information failure,
It is random to generate the character string of preset quantity character, and report the character string and user is prompted to repeat the related of the character string and prompt
Language；
It receives client and repeats the voice data corresponding to the character string, extract the content in the voice data received, and will carry
The content of taking-up is compared with the content for the character string that system is reported；
After the content for the character string that the content extracted and system are reported compares successfully, the voice data received is extracted
In vocal print feature, the vocal print feature extracted is matched one by one with client's vocal print feature data in voice print database；
After client's vocal print feature Data Matching success in the vocal print feature and voice print database extracted, according to advance
The mapping relations of determining client identity information and client's vocal print feature data, the vocal print feature extracted described in acquisition are matched to
Client's vocal print feature data corresponding to client identity information；
According to the mapping relations of predetermined client identity information and authorized bank's card information, existing customer identity letter is obtained
Cease corresponding authorized bank's card information；
After successfully obtaining the card information of authorized bank corresponding to existing customer identity information, asked according to the voice payment
In payment information operation of withholing is carried out to the bank card corresponding to the card information of authorized bank got.
9. IVR voice payment methods as claimed in claims 6 or 7, which is characterized in that the IVR voice payments method is also wrapped
It includes：
After obtaining the card information failure of authorized bank corresponding to existing customer identity information, prompt client's typing bank is reported
The signal language of card relevant information；
Receive the voice data of the bank card relevant information of customer voice input, the sound in the voice data received described in extraction
Line feature determines existing customer body according to the mapping relations of predetermined client identity information and client's vocal print feature data
The corresponding client's vocal print feature data of part information, by the vocal print feature extracted and client's vocal print feature data for determining into
Row matching；
In the vocal print feature extracted with after determining client's vocal print feature Data Matching success, inputted according to customer voice
Bank card relevant information complete bank card information typing mandate；
The bank card corresponding to bank card information of the payment information to the typing mandate in being asked according to the voice payment
Carry out operation of withholing.
10. a kind of computer readable storage medium, which is characterized in that the computer-readable recording medium storage has IVR voices
Payment system, the IVR voice payment systems can be executed by least one processor, so that at least one processor executes
IVR voice payment methods as described in any one of claim 6-9.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
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| CN201710489753.7A CN108428134A (en) | 2017-06-24 | 2017-06-24 | Electronic device, IVR voice payments method and computer readable storage medium |
| PCT/CN2018/077654 WO2018233314A1 (en) | 2017-06-24 | 2018-02-28 | Electronic device, ivr voice payment method, and computer-readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201710489753.7A CN108428134A (en) | 2017-06-24 | 2017-06-24 | Electronic device, IVR voice payments method and computer readable storage medium |
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| CN (1) | CN108428134A (en) |
| WO (1) | WO2018233314A1 (en) |
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Application publication date: 20180821 |