CN108830604A - A kind of transaction payment method based on voice authentication - Google Patents
A kind of transaction payment method based on voice authentication Download PDFInfo
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- CN108830604A CN108830604A CN201810470497.1A CN201810470497A CN108830604A CN 108830604 A CN108830604 A CN 108830604A CN 201810470497 A CN201810470497 A CN 201810470497A CN 108830604 A CN108830604 A CN 108830604A
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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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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F2218/00—Aspects of pattern recognition specially adapted for signal processing
- G06F2218/08—Feature extraction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F2218/00—Aspects of pattern recognition specially adapted for signal processing
- G06F2218/12—Classification; Matching
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Abstract
The transaction payment method based on voice authentication that the invention discloses a kind of by acquiring user voice signal in advance, and by the voice signal typing and is stored in banking data base;When the terminal device that user uses needs to be implemented bank account payment verification, terminal device obtains user speech, and the voice is sent to bank transaction server;Verifying is compared with the voice signal of preparatory typing in user speech by the bank transaction server, judges whether it is pre-stored user voice signal;If so, sound authentication passes through, the control of bank transaction server executes the operation of this transaction payment.This method is when carrying out voice authentication, it is verified voice signal using two voice signals are carried out synthesis, then again matches the verifying voice signal with the default sound signal prestored, and after voice signal synthesis, it can generate and more can verify that parameter, to improve the safety of verifying.
Description
Technical field
Data processing field of the present invention more particularly to a kind of transaction payment method based on voice authentication.
Background technique
All kinds of sound are filled in modern society, with the promotion of data-handling capacity, voice signal can be used in perhaps
More scenes.
In the prior art, one section of default sound signal can be set in user, and using the default sound signal as unlock
The signal of certain terminal devices (such as mobile phone, door etc.) can make a sound when user needs to unlock the terminal device,
After terminal receives the sound of user's sending, which is converted into verifying voice signal, and by the verifying voice signal and write from memory
Recognize voice signal to compare, if unanimously, be unlocked.
The program is only capable of verifying the voice signal of some specific user, higher for certain security requirements
Scene, for example, may may require that the multiple users' of verifying if carrying out the verifying that effect carries out transaction payment to voice signal
Voice signal, still, even verifying the voice signal of multiple users, terminal device be also one by one verify, can not
Really improve safety.
Summary of the invention
In view of the above shortcomings in the prior art, it is an object of the invention to provide one kind for user to test based on sound
The transaction payment method of card overcomes the defect that cannot carry out transaction payment by sound in the prior art.
The transaction payment method based on voice authentication that the present invention provides a kind of, wherein including:
The preparatory at least two end users voice signal of typing of the recording device of bank transaction server, at least by typing
Two end users voices synthesize a voice signal, generate default sound signal, and be stored in banking data base;
When the terminal device that user uses needs to be implemented bank account payment verification, terminal device obtains user speech,
And the voice is sent to bank transaction server;
Verifying is compared with the default sound signal of preparatory typing in user speech by the bank transaction server, judgement
Whether match with pre-stored default sound signal;
If matching, sound authentication passes through, and the control of bank transaction server executes the operation of this transaction payment.
Optionally, it before the terminal device used as user needs to be implemented bank account payment verification step, also wraps
It includes:
User terminal receives transaction payment request, opens transaction payment interface, and user is prompted to select payment verification option;
If user selects speech verification option, the acquisition user speech to be verified into bank account payment verification is controlled
Interface.
Optionally, user speech is compared with the default sound signal of preparatory typing and tests by the bank transaction server
Card, judges whether that the step of matching with pre-stored default sound signal includes:
The second voice that terminal device obtains the first voice that the first user issues and second user issues;
First voice is converted to the first voice signal by terminal device, and the second voice is converted to second sound signal;
Terminal device carries out synthesis to the first voice signal and second sound signal and is verified voice signal;
Terminal device judges to verify whether voice signal matches with the default sound signal prestored, if matching, confirmation are tested
It demonstrate,proves successfully.
Optionally, the terminal device carries out synthesis to the first voice signal and second sound signal and is verified sound
The step of signal includes:
Terminal device determines the snap point between the first voice signal and second sound signal;The snap point refers to first
Voice signal and second sound signal start matched position;
First voice signal and second sound signal are synthesized verifying voice signal according to snap point by terminal device.
Optionally, the terminal device determines the step of snap point between the first voice signal and second sound signal packet
It includes:
Terminal device calculates the first duration of the first voice signal and the second duration of second sound signal, the duration
Indicate the time of sound go;
Terminal device calculates the difference between the first duration and the second duration;
Being aligned between the first voice signal and second sound signal is confirmed with the gap of default value according to the difference
Point.
Optionally, described that first voice signal and second sound signal are confirmed according to the difference and the gap of default value
Between snap point the step of include:
If the difference is less than or equal to default value, the diminution on the period is carried out to wherein any one section of voice signal
Or amplification, so that two sections of voice signal durations are identical, then carried out using the first audio frame of two sections of voice signals as snap point pair
Together;
If the difference is greater than default value, using default sample frequency respectively to the first voice signal and second sound
Signal is sampled, and the first set of samples and the second set of samples are obtained;According to the default sample frequency, the first set of samples, second
Set of samples and cross-correlation weight generate cross-correlation group;The cross-correlation weight and the difference are positively correlated;It chooses described mutual
Maximum numerical value in the group of pass, and using the corresponding audio frame position of the maximum numerical value as snap point.
Optionally, described that zooming in or out on the period is carried out to wherein any one section of voice signal, so that two sections of sound
The identical step of signal duration includes:
With the shorter voice signal of duration for the first voice signal, terminal device determines that difference accounts for the first sound according to difference
The ratio X of the duration of signal;
Terminal device calculates the audio frame number Y of the first voice signal;
Terminal device calculates amplification coefficient Z, Z=X* (Y/ (Y-1));
Terminal device is according to the amplification coefficient Z, to other sounds in the first voice signal other than first audio frame
Frequency frame carries out equal proportion amplification, so that amplified first voice signal length is identical as second sound signal length.
Optionally, using cross-correlation group calculation formula according to the default sample frequency, the first set of samples, the second set of samples
And cross-correlation weight generates cross-correlation group, calculation formula is:
Wherein, Sn [t] indicates cross-correlation group, and x [m] indicates m-th of sampled data in the first set of samples, and y [m-t] is indicated
(m-t) a sampled data in second set of samples, t indicate the offset of time, and t is integer, and value is from 0 to m, and Wt is indicated
Window function, wherein n=l*f, l are cross-correlation weight, and f is default sample frequency.
Optionally, described to use the corresponding audio frame position of the maximum numerical value as the step of snap point and include:
According to the maximum numerical value and the cross-correlation group calculation formula is counter releases m;
The audio frame where the sampled data is determined again, and uses the audio frame as snap point.
Optionally, the method also includes steps:
Voice authentication number is set, if the number that the voice that judgement receives is not pre-stored user voice signal surpasses
The voice authentication number is crossed, then prompts to carry out bank account payment verification by other means.
Beneficial effect:The transaction payment method based on voice authentication that the invention discloses a kind of, terminal device in this method
It is not the two voice signals are verified one by one after getting the first voice signal and second sound signal,
But the two voice signals are carried out synthesis and are verified voice signal, then the verifying voice signal is write from memory with what is prestored again
Recognize voice signal to be matched, and after voice signal synthesis, can generate more can verify that parameter, such as:Whether two sections of sound
Alignment, the phase difference etc. of two sections of sound improve the safety of verifying compared to two sections of voice signals are verified one by one.
Detailed description of the invention
Fig. 1 is a kind of transaction payment method and step flow chart based on voice authentication provided by the invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, those skilled in the art's every other implementation obtained without creative efforts
Example, shall fall within the protection scope of the present invention.
The transaction payment method based on voice authentication that the present invention provides a kind of, as shown in Figure 1, including:
Step S101, the preparatory at least two end users voice signal of typing of the recording device of bank transaction server, will
At least two end users voices of typing synthesize a voice signal, generate default sound signal, and be stored in bank's number
According in library.
Acquired first in this step at least two using the terminal device user voice signals, and by it is collected at least
Two user voice signals using the terminal device synthesize the database that a default sound signal is stored in banking system
In, and user account information corresponding with the terminal device is associated with.It is envisioned that this acquisition user voice signal
Time can be user in handling bank business, such as:Multiple users using the bank account are carried out when handling bank card
Multiple user voice signals synthesis default sound signal of acquisition is stored in the database of banking system by the acquisition of voice signal
In, when user needs to carry out transaction payment certification by sound, then the default sound of storage is extracted from the database of system
Signal, the verifying of user voice when for transaction authentication.
Step S102, when the terminal device that user uses needs to be implemented bank account payment verification, terminal device is obtained
User speech, and the voice is sent to bank transaction server.
When user's using terminal equipment carries out Bank Account Number payment verification, terminal device acquires present user speech, can
With it is contemplated that need to acquire simultaneously in this step at least two using the bank account user voice signals, and will be described
User speech is sent to bank transaction server.It is envisioned that terminal device can acquire user by its audio devices
Voice, the terminal device of user, which needs to establish with banking system server, to be communicated to connect, and is sent to user speech to realize
Bank transaction server.
When it is implemented, in order to realize that the terminal device used as user needs to be implemented bank account payment verification step
Before rapid, further include:
User terminal receives transaction payment request, opens transaction payment interface, and user is prompted to select payment verification option;
If user selects speech verification, enter the acquisition user speech interface to be verified of bank account payment verification.
Step S103, user speech is compared the described bank transaction server with the default sound signal of preparatory typing
Verifying, judges whether to match with pre-stored default sound signal.
The bank transaction server is by preparatory typing in the user speech obtained in above-mentioned steps S102 and step S101
Default sound signal compare verifying, judge whether identical, if they are the same, be then determined as at least two using the bank account
A user.
Specifically, bank transaction server described in the step S103 is by the voice signal of user speech and preparatory typing
The step of verifying is compared, judges whether it is pre-stored user voice signal include:
The second voice that terminal device obtains the first voice that the first user issues and second user issues;
First voice is converted to the first voice signal by terminal device, and the second voice is converted to second sound signal;
Terminal device carries out synthesis to the first voice signal and second sound signal and is verified voice signal;
Terminal device judges to verify whether voice signal matches with the default sound signal prestored, if matching, confirmation are tested
It demonstrate,proves successfully.
If step S104, matching, sound authentication passes through, and the control of bank transaction server executes this transaction payment behaviour
Make.
Due to determining two people of user of the bank account before active user is in above-mentioned steps, then sound authentication is logical
It crosses, the control of bank transaction server executes the operation of this transaction payment, completes this payment.
It is not only to increase one kind due to using sound as authentication mode in method disclosed in this method
Transaction payment option, but also the safety of transaction payment is substantially increased, the certification for avoiding a voice signal may be led
The false judgment of cause.
Specifically, terminal device described in above-mentioned steps synthesize to the first voice signal and second sound signal
Include to the step of verifying voice signal:
Terminal device determines the snap point between the first voice signal and second sound signal;The snap point refers to first
Voice signal and second sound signal start matched position;
First voice signal and second sound signal are synthesized verifying voice signal according to snap point by terminal device.
Wherein, the terminal device determines the step of snap point between the first voice signal and second sound signal packet
It includes:
Terminal device calculates the first duration of the first voice signal and the second duration of second sound signal, the duration
Indicate the time of sound go;
Terminal device calculates the difference between the first duration and the second duration;
Being aligned between the first voice signal and second sound signal is confirmed with the gap of default value according to the difference
Point.
Further, described that first voice signal and rising tone message are confirmed according to the difference and the gap of default value
The step of snap point between number includes:
If the difference is less than or equal to default value, the diminution on the period is carried out to wherein any one section of voice signal
Or amplification, so that two sections of voice signal durations are identical, then carried out using the first audio frame of two sections of voice signals as snap point pair
Together;
If the difference is greater than default value, using default sample frequency respectively to the first voice signal and second sound
Signal is sampled, and the first set of samples and the second set of samples are obtained;According to the default sample frequency, the first set of samples, second
Set of samples and cross-correlation weight generate cross-correlation group;The cross-correlation weight and the difference are positively correlated;It chooses described mutual
Maximum numerical value in the group of pass, and using the corresponding audio frame position of the maximum numerical value as snap point.
Preferably, described carry out zooming in or out on the period to wherein any one section of voice signal, so that two sections of sound
The identical step of signal duration includes:
With the shorter voice signal of duration for the first voice signal, terminal device determines that difference accounts for the first sound according to difference
The ratio X of the duration of signal;
Terminal device calculates the audio frame number Y of the first voice signal;
Terminal device calculates amplification coefficient Z, Z=X* (Y/ (Y-1));
Terminal device is according to the amplification coefficient Z, to other sounds in the first voice signal other than first audio frame
Frequency frame carries out equal proportion amplification, so that amplified first voice signal length is identical as second sound signal length.
It is envisioned that can also by calculate second sound signal coefficient of reduction, to second sound signal according to
Deng relatively diminution, so that the second sound signal length after reducing is identical as the first voice signal length, consequently facilitating by first
Voice signal and second sound signal alignment.
In order to get preferable cross-correlation weight, use cross-correlation group calculation formula according to the default in above-mentioned steps
Sample frequency, the first set of samples, the second set of samples and cross-correlation weight generate cross-correlation group, the cross-correlation group calculation formula
For:
Wherein, Sn [t] indicates cross-correlation group, and x [m] indicates m-th of sampled data in the first set of samples, and y [m-t] is indicated
(m-t) a sampled data in second set of samples, t indicate the offset of time, and t is integer, and value is from 0 to m, and Wt is indicated
Window function, wherein n=l*f, l are cross-correlation weight, and f is default sample frequency.
Optionally, described to use the corresponding audio frame position of the maximum numerical value as the step of snap point and include:
According to the maximum numerical value and the cross-correlation group calculation formula is counter releases m;
The audio frame where the sampled data is determined again, and uses the audio frame as snap point.
In specific embodiment, transaction payment certification can be carried out by different modes, therefore the method also includes steps
Suddenly:
Voice authentication number is set, if the number that the voice that judgement receives is not pre-stored user voice signal surpasses
The voice authentication number is crossed, then prompts to carry out bank account payment verification by other means.
The transaction payment method based on voice authentication that the invention discloses a kind of, by acquiring user voice signal in advance,
And by the voice signal typing and be stored in banking data base, when the terminal device that user uses needs to be implemented bank account
When payment verification, terminal device obtains user speech, and the voice is sent to bank transaction server;The bank transaction
Verifying is compared with the voice signal of preparatory typing in user speech by server, judges whether it is pre-stored user voice
Signal;If so, sound authentication passes through, the control of bank transaction server executes the operation of this transaction payment.Terminal in this method
Equipment is not testing the two voice signals one by one after getting the first voice signal and second sound signal
Card, but the two voice signals carry out synthesis be verified voice signal, then again by the verifying voice signal with prestore
Default sound signal matched, and after voice signal synthesis, can generate more can verify that parameter, compared to verifying one by one
Two sections of voice signals, improve the safety of verifying.
It, can according to the technique and scheme of the present invention and its hair it is understood that for those of ordinary skills
Bright design is subject to equivalent substitution or change, and all these changes or replacement all should belong to the guarantor of appended claims of the invention
Protect range.
Claims (10)
1. a kind of transaction payment method based on voice authentication, which is characterized in that including:
The preparatory at least two end users voice signal of typing of the recording device of bank transaction server, by at least two of typing
End users voice synthesizes a voice signal, generates default sound signal, and be stored in banking data base;
When the terminal device that user uses needs to be implemented bank account payment verification, terminal device obtains user speech, and will
The voice is sent to bank transaction server;
Verifying is compared with the default sound signal of preparatory typing in user speech by the bank transaction server, is judged whether
Match with pre-stored default sound signal;
If matching, sound authentication passes through, and the control of bank transaction server executes the operation of this transaction payment.
2. the transaction payment method according to claim 1 based on voice authentication, which is characterized in that described when user uses
Terminal device need to be implemented bank account payment verification step before, further include:
User terminal receives transaction payment request, opens transaction payment interface, and user is prompted to select payment verification option;
If user selects speech verification option, acquisition user speech circle to be verified into bank account payment verification is controlled
Face.
3. the transaction payment method according to claim 2 based on voice authentication, which is characterized in that the bank transaction clothes
Verifying is compared with the voice signal of preparatory typing in user speech by business device, judges whether and pre-stored default sound is believed
The step of number matching include:
The second voice that terminal device obtains the first voice that the first user issues and second user issues;
First voice is converted to the first voice signal by terminal device, and the second voice is converted to second sound signal;
Terminal device carries out synthesis to the first voice signal and second sound signal and is verified voice signal;
Terminal device judge verify voice signal whether matched with the default sound signal prestored, if matching, confirm verify at
Function.
4. the transaction payment method according to claim 3 based on voice authentication, which is characterized in that the terminal device pair
First voice signal and second sound signal carry out synthesizing the step of being verified voice signal:
Terminal device determines the snap point between the first voice signal and second sound signal;The snap point refers to the first sound
Signal and second sound signal start matched position;
First voice signal and second sound signal are synthesized verifying voice signal according to snap point by terminal device.
5. the transaction payment method according to claim 4 based on voice authentication, which is characterized in that the terminal device is true
The step of snap point between fixed first voice signal and second sound signal includes:
Terminal device calculates the first duration of the first voice signal and the second duration of second sound signal, and the duration indicates
The time of sound go;
Terminal device calculates the difference between the first duration and the second duration;
The snap point between the first voice signal and second sound signal is confirmed according to the difference and the gap of default value.
6. the transaction payment method based on voice authentication according to claim 5, which is characterized in that described according to the difference
The step of confirming the snap point between the first voice signal and second sound signal the gap of default value include:
If the difference is less than or equal to default value, is carried out by the diminution on the period or is put for wherein any one section of voice signal
Greatly, it so that two sections of voice signal durations are identical, then is aligned using the first audio frame of two sections of voice signals as snap point;
If the difference is greater than default value, using default sample frequency respectively to the first voice signal and second sound signal
It is sampled, obtains the first set of samples and the second set of samples;According to the default sample frequency, the first set of samples, the second sampling
Group and cross-correlation weight generate cross-correlation group;The cross-correlation weight and the difference are positively correlated;Choose the cross-correlation group
In maximum numerical value, and using the corresponding audio frame position of the maximum numerical value as snap point.
7. the transaction payment method based on voice authentication according to claim 6, which is characterized in that described to wherein any one
Section voice signal carries out zooming in or out on the period, so that two sections of identical steps of voice signal duration include:
With the shorter voice signal of duration for the first voice signal, terminal device determines that difference accounts for the first voice signal according to difference
Duration ratio X;
Terminal device calculates the audio frame number Y of the first voice signal;
Terminal device calculates amplification coefficient Z, Z=X* (Y/ (Y-1));
Terminal device is according to the amplification coefficient Z, to other audio frames in the first voice signal other than first audio frame
Equal proportion amplification is carried out, so that amplified first voice signal length is identical as second sound signal length.
8. the transaction payment method based on voice authentication according to claim 7, which is characterized in that calculated using cross-correlation group
Formula generates cross-correlation group according to the default sample frequency, the first set of samples, the second set of samples and cross-correlation weight, calculates
Formula is:
Wherein, Sn [t] indicates cross-correlation group, and x [m] indicates m-th of sampled data in the first set of samples, and y [m-t] indicates second
(m-t) a sampled data in set of samples, t indicate the offset of time, and t is integer, and value is from 0 to m, and Wt indicates window letter
Number, wherein n=l*f, l are cross-correlation weight, and f is default sample frequency.
9. the transaction payment method based on voice authentication according to claim 8, which is characterized in that described to use the maximum
The corresponding audio frame position of numerical value include as the step of snap point:
According to the maximum numerical value and the cross-correlation group calculation formula is counter releases m;
The audio frame where the sampled data is determined again, and uses the audio frame as snap point.
10. the transaction payment method based on voice authentication according to claim 9, which is characterized in that the method also includes
Step:
Voice authentication number is set, if the number that the voice that judgement receives is not pre-stored user voice signal is more than institute
Voice authentication number is stated, then prompts to carry out bank account payment verification by other means.
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Cited By (1)
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CN111242628A (en) * | 2019-04-03 | 2020-06-05 | 泰州市海陵区一马商务信息咨询有限公司 | Secret-free payment verification method |
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Application publication date: 20181116 |