CN109214824A - Payment information confirmation method based on Application on Voiceprint Recognition - Google Patents
Payment information confirmation method based on Application on Voiceprint Recognition Download PDFInfo
- Publication number
- CN109214824A CN109214824A CN201811001573.0A CN201811001573A CN109214824A CN 109214824 A CN109214824 A CN 109214824A CN 201811001573 A CN201811001573 A CN 201811001573A CN 109214824 A CN109214824 A CN 109214824A
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- Prior art keywords
- payment
- vocal print
- account
- voiceprint
- terminal
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Classifications
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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
-
- G—PHYSICS
- G10—MUSICAL INSTRUMENTS; ACOUSTICS
- G10L—SPEECH ANALYSIS OR SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING; SPEECH OR AUDIO CODING OR DECODING
- G10L17/00—Speaker identification or verification
- G10L17/06—Decision making techniques; Pattern matching strategies
Abstract
The invention discloses the payment information confirmation methods based on Application on Voiceprint Recognition, include the following steps；S1, payer obtain the clear sounding mouth of terminal mandarin towards vocal print and quote payment account；S2, vocal print obtain terminal and determine account number and the voiceprint that payer generates is compared with the vocal print of the corresponding account number in vocal print library, judge whether vocal print and account number match；If voiceprint and account number matching error, vocal print obtains terminal and generates operation information and be uploaded to the progress information storage of cloud processing platform, while sending risk information to the remote terminal of the binding account number, terminates this wheel operation.Multiple-protection measure is formed when the present invention pays vocal print, and multiple-protection measure verifying is convenient and quick, improve the convenience of payment affirmation, it ensure that the safety of account simultaneously, user can check account dynamic at any time, and account is carried out the operation such as to freeze, the safety of fund in account is improved, is suitable for promoting the use of.
Description
Technical field
The present invention relates to payment technology technical fields, more particularly to the payment information confirmation method based on Application on Voiceprint Recognition.
Background technique
Application on Voiceprint Recognition, one kind of biological identification technology, also referred to as Speaker Identification have two classes, i.e. speaker recognizes and says
Talk about people's confirmation.Different tasks and application will use different sound groove recognition technology in e, may need to distinguish when such as reducing criminal investigation range
Recognize technology, and then needs to confirm technology when bank transaction.Application on Voiceprint Recognition is exactly acoustical signal to be converted into electric signal, then use computer
It is identified.
With the continuous maturation of sound groove recognition technology in e, application field also gradually expands, in mobile payment field, though it is existing
The technology of Application on Voiceprint Recognition payment, but such technology is applied incomplete at present, and there are security breaches, and safety is poor, are easy
Cause the account property loss of user, and use not convenient enough, is unable to satisfy use demand, we design base thus
In the payment information confirmation method of Application on Voiceprint Recognition, comes and solve the above problems.
Summary of the invention
The purpose of the present invention is to solve recognition of face payment technology safety in the prior art is poor, using not enough just
The shortcomings that disadvantage of victory, and the payment information confirmation method based on Application on Voiceprint Recognition proposed.
To achieve the goals above, present invention employs following technical solutions:
Payment information confirmation method based on Application on Voiceprint Recognition, vocal print obtain terminal, remote terminal, cloud processing platform and vocal print
Library forms payment affirmation system, and the vocal print obtains terminal for acquiring voiceprint, and is handled voiceprint and compared
Right, the remote terminal carries out confirmation to payment information and carries out safety operation to payment account, and the cloud processing platform is used
In storing the transaction bill harmony optical image data generated when payment, the vocal print letter of account owner is stored in the vocal print library
Breath, includes the following steps；
S1, payer obtain the clear sounding mouth of terminal mandarin towards vocal print and quote payment account；
S2, vocal print acquisition terminal determine the corresponding account in account number and the voiceprint for generating payer and vocal print library
Number vocal print be compared, judge whether vocal print and account number match；
If voiceprint and account number matching error, vocal print obtains terminal generation operation information and is uploaded to cloud processing and puts down
Platform carries out information storage, while sending risk information to the remote terminal of the binding account number, terminates this wheel operation；
If account number and voiceprint can match correctly, vocal print obtains terminal and shows payment amount and payment password；
S3, payer obtain terminal towards vocal print and quote payment mouth according to payment password with the clear sounding mouth of mandarin
It enables；
S4, vocal print obtain terminal and judge whether payment amount is more than or equal to setting value；
If payment amount is less than setting value, vocal print obtains terminal directly will be in the voiceprint and the vocal print library that pay password
Voiceprint be compared；
If payment amount is greater than the set value, vocal print obtains the remote terminal that terminal is bound to the account and sends verifying letter
Breath: a is verified, and the voiceprint for paying password is compared with the voiceprint in vocal print library；B authentication failed, then prop up
Failure is paid, vocal print obtains the remote terminal that terminal is bound to the account and sends risk prompting；
S5, the voiceprint for paying password being compared with the voiceprint in vocal print library as described in S4, if comparing
Success, then pay success；If comparing failure, failure is paid, while vocal print obtains the remote terminal that terminal is bound to the account
Risk is sent to remind；
S6, no matter whether the payment in S5 succeeds, and vocal print, which obtains terminal, can generate payment information, and will be on payment information
It reaches cloud processing platform to be stored, terminates this wheel operation therewith.
Preferably, the remote terminal can be hand-hold electronic equipments, and hand-hold electronic equipments are provided with only account and own
The security password that person knows.
Preferably, the setting value of the payment amount in the S4 is preset on remote terminal by account owner.
Preferably, the vocal print obtains and is provided with touching display screen, sound input device, camera and processing in terminal
Device, and processor is wirelessly connected by 4G network signal and cloud processing platform.
Preferably, the verification information in the S4 is the dynamic password verified in short message or APP, and by cloud processing platform
It is sent on remote terminal in real time, and authentication error >=3 time, account automatic stay.
Preferably, the operation information in the S2 includes video data and voiceprint, and the payment information in S6 includes
Video data, voiceprint and payment bill information, and payment bill information include the time of payment, the place of payment, payment amount,
Collecting account and payment account.
Preferably, when remote terminal holder receives risk prompting, Frozen Account may be selected, account freezes duration by account
The family owner carries out customized setting by remote terminal.
It preferably, further include management APP, the management APP is installed on remote terminal, and management APP is for logging in payment
Account, and Account Transaction History is checked, the setting of payment amount setting value, is freezed and payment affirmation.
Preferably, the voiceprint in the vocal print library carries out typing by remote terminal by account owner.
Compared with prior art, the beneficial effects of the present invention are:
1, account number and voiceprint are provided with to compare as first of safeguard procedures, both is only mutually matched and sound
Line information correctly just can enter next step verification item, improve the safety of account；
2, payment amount is limited, the big amount of money needs further to verify by verification information, and the size amount of money is finally equal
The voiceprint comparison by paying password is needed just to can be carried out payment, verification information and vocal print information comparison by that could complete
Payment improves the small amount of money and pays the convenience used, while ensureing the safety of big amount of money payment funding；
3, whether no matter entire payment process trades succeeds, and will form operation information and is stored, and is convenient for subsequent presence
It collects evidence and checks when financial disputes；
4, in payment process, once account owner realizes bill payment, there are doubts, can pass through remote terminal at any time
Account is freezed, guarantees the safety of fund in account.
Multiple-protection measure is formed when the present invention pays vocal print, and multiple-protection measure verifying is convenient and quick, improve branch
The convenience of confirmation is paid, while ensure that the safety of account, user can check account dynamic at any time, and freeze to account
The operation such as knot, improves the safety of fund in account, is suitable for promoting the use of.
Detailed description of the invention
Fig. 1 is the flow chart of the payment information confirmation method proposed by the present invention based on Application on Voiceprint Recognition；
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.
Referring to Fig.1, the payment information confirmation method based on Application on Voiceprint Recognition, vocal print acquisition terminal, remote terminal, cloud processing are flat
Platform and vocal print library form payment affirmation system, and vocal print obtains terminal for acquiring voiceprint, and handles voiceprint
And comparison, remote terminal can be hand-hold electronic equipments, and hand-hold electronic equipments are provided with the safety that only account owner knows
Password, vocal print obtains and is provided with touching display screen, sound input device, camera and processor in terminal, and processor is logical
It crosses 4G network signal and cloud processing platform is wirelessly connected, remote terminal carries out confirmation to payment information and carries out to payment account
Safety operation, cloud processing platform are used to store the transaction bill harmony optical image data generated when payment, and vocal print is stored in library
The voiceprint of account owner, the voiceprint in vocal print library carry out typing by remote terminal by account owner.Including
Following steps；
S1, payer obtain the clear sounding mouth of terminal mandarin towards vocal print and quote payment account；
S2, vocal print acquisition terminal determine the corresponding account in account number and the voiceprint for generating payer and vocal print library
Number vocal print be compared, judge whether vocal print and account number match；
If voiceprint and account number matching error, vocal print obtains terminal generation operation information and is uploaded to cloud processing and puts down
Platform carries out information storage, while sending risk information to the remote terminal of the binding account number, terminates this wheel operation；
If account number and voiceprint can match correctly, vocal print obtains terminal and shows payment amount and payment password；
S3, payer obtain terminal towards vocal print and quote payment mouth according to payment password with the clear sounding mouth of mandarin
It enables；
S4, vocal print obtain terminal and judge whether payment amount is more than or equal to setting value, and the setting value of payment amount is by account
The owner presets on remote terminal；
If payment amount is less than setting value, vocal print obtains terminal directly will be in the voiceprint and the vocal print library that pay password
Voiceprint be compared；
If payment amount is greater than the set value, vocal print obtains the remote terminal that terminal is bound to the account and sends verifying letter
Breath: a is verified, and the voiceprint for paying password is compared with the voiceprint in vocal print library；B authentication failed, then prop up
Failure is paid, vocal print obtains the remote terminal that terminal is bound to the account and sends risk prompting；
S5, such as S4's the voiceprint for paying password is compared with the voiceprint in vocal print library, if comparing successfully,
Then pay success；If comparing failure, failure is paid, while vocal print obtains the remote terminal that terminal is bound to the account and sends wind
It reminds danger；
S6, no matter whether the payment in S5 succeeds, and vocal print, which obtains terminal, can generate payment information, and will be on payment information
It reaches cloud processing platform to be stored, terminates this wheel operation therewith.
Further, the verification information in S4 is the dynamic password verified in short message or APP, and real by cloud processing platform
When be sent on remote terminal, and authentication error >=3 time, account automatic stay.
Further, the operation information in S2 includes video data and voiceprint, and the payment information in S6 includes view
Frequency data, voiceprint and payment bill information, and payment bill information includes time of payment, the place of payment, payment amount, receipts
Money account and payment account.
Further, remote terminal holder receive risk remind when, may be selected Frozen Account, account freeze duration by
Account owner carries out customized setting by remote terminal.
It further, further include management APP, management APP is installed on remote terminal, and management APP pays a bill for logging in branch
Family, and Account Transaction History is checked, the setting of payment amount setting value, is freezed and payment affirmation.
The foregoing is only a preferred embodiment of the present invention, but scope of protection of the present invention is not limited thereto,
Anyone skilled in the art in the technical scope disclosed by the present invention, according to the technique and scheme of the present invention and its
Inventive concept is subject to equivalent substitution or change, should be covered by the protection scope of the present invention.
Claims (9)
1. the payment information confirmation method based on Application on Voiceprint Recognition, vocal print obtains terminal, remote terminal, cloud processing platform and vocal print library
Payment affirmation system is formed, the vocal print obtains terminal for acquiring voiceprint, and voiceprint is handled and compared,
The remote terminal carries out confirmation to payment information and carries out safety operation to payment account, and the cloud processing platform is for depositing
The transaction bill harmony optical image data generated when payment is stored up, the voiceprint of account owner is stored in the vocal print library,
It is characterized by comprising the following steps；
S1, payer obtain the clear sounding mouth of terminal mandarin towards vocal print and quote payment account；
S2, vocal print obtain terminal and determine corresponding account number in account number and the voiceprint for generating payer and vocal print library
Vocal print is compared, and judges whether vocal print and account number match；
If voiceprint and account number matching error, vocal print obtain terminal generate operation information and be uploaded to cloud processing platform into
Row information storage, while risk information is sent to the remote terminal of the binding account number, terminate this wheel operation；
If account number and voiceprint can match correctly, vocal print obtains terminal and shows payment amount and payment password；
S3, payer obtain terminal towards vocal print and quote payment password according to payment password with the clear sounding mouth of mandarin；
S4, vocal print obtain terminal and judge whether payment amount is more than or equal to setting value；
If payment amount is less than setting value, vocal print obtains terminal directly for the sound in the voiceprint and vocal print library that pay password
Line information is compared；
If payment amount is greater than the set value, vocal print obtains the remote terminal that terminal is bound to the account and sends verification information: a is tested
Card passes through, and the voiceprint for paying password is compared with the voiceprint in vocal print library；B authentication failed, then pay failure,
Vocal print obtains the remote terminal that terminal is bound to the account and sends risk prompting；
S5, the voiceprint for paying password being compared with the voiceprint in vocal print library as described in S4, if comparing successfully,
Then pay success；If comparing failure, failure is paid, while vocal print obtains the remote terminal that terminal is bound to the account and sends wind
It reminds danger；
S6, no matter whether the payment in S5 succeeds, and vocal print, which obtains terminal, can generate payment information, and payment information is uploaded to
Cloud processing platform is stored, and terminates this wheel operation therewith.
2. the payment information confirmation method according to claim 1 based on Application on Voiceprint Recognition, which is characterized in that the long-range end
End can be hand-hold electronic equipments, and hand-hold electronic equipments are provided with the security password that only account owner knows.
3. the payment information confirmation method according to claim 1 based on Application on Voiceprint Recognition, which is characterized in that in the S4
The setting value of payment amount is preset on remote terminal by account owner.
4. the payment information confirmation method according to claim 1 based on Application on Voiceprint Recognition, which is characterized in that the vocal print obtains
It takes and is provided with touching display screen, sound input device, camera and processor in terminal, and processor passes through 4G network signal
It is wirelessly connected with cloud processing platform.
5. the payment information confirmation method according to claim 1 based on Application on Voiceprint Recognition, which is characterized in that in the S4
Verification information is the dynamic password verified in short message or APP, and is sent on remote terminal in real time by cloud processing platform, and test
Card mistake >=3 times, account automatic stay.
6. the payment information confirmation method according to claim 1 based on Application on Voiceprint Recognition, which is characterized in that in the S2
Operation information includes video data and voiceprint, and the payment information in S6 includes that video data, voiceprint and branch are paid a bill
Single information, and payment bill information includes time of payment, the place of payment, payment amount, collecting account and payment account.
7. the payment information confirmation method according to claim 1 based on Application on Voiceprint Recognition, which is characterized in that remote terminal is held
When the person of having receives risk prompting, Frozen Account may be selected, account freezes duration and passes through remote terminal progress by account owner
Customized setting.
8. the payment information confirmation method according to claim 1 based on Application on Voiceprint Recognition, which is characterized in that further include management
APP, the management APP are installed on remote terminal, and management APP is carried out for logging in payment account, and to Account Transaction History
It checks, the setting of payment amount setting value, freeze and payment affirmation.
9. the payment information confirmation method according to claim 1 based on Application on Voiceprint Recognition, which is characterized in that the vocal print library
Interior voiceprint carries out typing by remote terminal by account owner.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201811001573.0A CN109214824A (en) | 2018-08-30 | 2018-08-30 | Payment information confirmation method based on Application on Voiceprint Recognition |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201811001573.0A CN109214824A (en) | 2018-08-30 | 2018-08-30 | Payment information confirmation method based on Application on Voiceprint Recognition |
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| CN109214824A true CN109214824A (en) | 2019-01-15 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201811001573.0A Pending CN109214824A (en) | 2018-08-30 | 2018-08-30 | Payment information confirmation method based on Application on Voiceprint Recognition |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN112215598A (en) * | 2019-12-12 | 2021-01-12 | 华为技术有限公司 | Voice payment method and electronic equipment |
| CN112837053A (en) * | 2021-01-29 | 2021-05-25 | 支付宝(杭州)信息技术有限公司 | Payment processing method and device |
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Application publication date: 20190115 |
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