CN109359982A - In conjunction with the payment information confirmation method of face and Application on Voiceprint Recognition - Google Patents

In conjunction with the payment information confirmation method of face and Application on Voiceprint Recognition Download PDF

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Publication number
CN109359982A
CN109359982A CN201811017832.9A CN201811017832A CN109359982A CN 109359982 A CN109359982 A CN 109359982A CN 201811017832 A CN201811017832 A CN 201811017832A CN 109359982 A CN109359982 A CN 109359982A
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China
Prior art keywords
payment
face
information
terminal
account
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Granted
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CN201811017832.9A
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Chinese (zh)
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CN109359982B (en
Inventor
苏永锋
沈文临
曾鸣
曾一鸣
杨敬锋
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Zhuhai hengqinjing tongrongzhi Technology Information Co.,Ltd.
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Zhuhai Hengqin Xianlian Finance Technology Co Ltd
Zhuhai Hengqin Xianliansheng Technology Development Co Ltd
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Priority to CN201811017832.9A priority Critical patent/CN109359982B/en
Publication of CN109359982A publication Critical patent/CN109359982A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions
    • G06Q20/40145Biometric identity checks
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4016Transaction verification involving fraud or risk level assessment in transaction processing
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/405Establishing or using transaction specific rules

Abstract

The invention discloses the payment information confirmation methods for combining face and Application on Voiceprint Recognition, including mobile terminal, vocal print obtains terminal, face obtains terminal, cloud processing platform and information bank form payment affirmation system, the vocal print obtains terminal for acquiring voiceprint, and voiceprint is handled and is compared, the face obtains terminal for acquiring face information, and face information is handled and is compared, the mobile terminal carries out confirmation to payment information and carries out safety operation to payment account, the cloud processing platform is used to store the transaction bill harmony optical image data generated when payment.The present invention combines two kinds of technologies of Application on Voiceprint Recognition and face recognition, avoid the case where small variations can not be paid occur because of single identification information, multiple-protection measure is formed when paying to Application on Voiceprint Recognition and face recognition, and multiple-protection measure verifying is convenient and quick, the convenience of payment affirmation is improved, while ensure that the safety of account.

Description

In conjunction with the payment information confirmation method of face and Application on Voiceprint Recognition
Technical field
The present invention relates to mobile payment technical fields, more particularly to combine the payment information confirmation side of face and Application on Voiceprint Recognition Method.
Background technique
Mobile payment is also referred to as mobile-phone payment, exactly allows user using its mobile terminal (usually mobile phone) to being consumed Commodity or service carry out account payment a kind of method of service.Unit is personal by mobile device, internet or low coverage Payment instruction directly or indirectly is sent to bank finance mechanism from sensing and generates currency payment and fund displacement behavior, to realize Mobile payment function.Mobile payment blends terminal device, internet, application provider and financial institution, mentions for user For financial business such as currency payment, payments.Mobile payment is broadly divided near field payment and remote payment.
With the maturation of China's mobile payment technology, universal range is also quicklyd increase, with Application on Voiceprint Recognition and recognition of face Technology is constantly progressive, both identification technologies are also gradually applied in mobile payment, vocal print and facial information meeting due to people As subtle variation occurs in the physical condition of people, it is easy to only with single identification method because of vocal print or facial information Small variations cause the case where being unable to complete payment, the convenience used is poor, and single identification technology safety is low, can not It satisfies the use demand, we design the payment information confirmation method in conjunction with face and Application on Voiceprint Recognition thus, to solve above-mentioned ask Topic.
Summary of the invention
The purpose of the present invention is to solve the vocal prints of people in the prior art and facial information can be with the physical condition of people There is subtle variation, is easy to only with single identification method because vocal print or the small variations of facial information cause nothing Method completes the case where payment, and the convenience used is poor, and the disadvantage that single identification technology safety is low, and the combination people proposed The payment information confirmation method of face and Application on Voiceprint Recognition.
To achieve the goals above, present invention employs following technical solutions:
In conjunction with the payment information confirmation method of face and Application on Voiceprint Recognition, including mobile terminal, vocal print obtain terminal, face obtains Terminal, cloud processing platform and information bank composition payment affirmation system, the vocal print is taken to obtain terminal for acquiring voiceprint, and Voiceprint is handled and is compared, the face obtains terminal for acquiring face information, and to face information at Reason and comparison, the mobile terminal carry out confirmation to payment information and carry out safety operation, the cloud processing to payment account Platform is used to store the transaction bill harmony optical image data generated when payment, is stored with account owner's in described information storehouse Voiceprint and face information, include the following steps,
S1, payer obtain terminal towards vocal print and quote payment account with the clear sounding of mandarin;
S2, vocal print acquisition terminal determine the corresponding account in account number and the voiceprint and information bank that generate payer Number vocal print be compared, judge whether vocal print and account number match;
If S3, voiceprint and account number matching error, carry out recognition of face payment;
Payer obtains terminal in face of face, and face obtains the face identification unit in terminal to the iris of payer, view Nethike embrane is identified, is measured to the spacing of the inner eye corner of payer, the tail of the eye and the wing of nose, between the width the corners of the mouth of payer Degree measures, and above-mentioned measurement result is compared with the face information in the information bank of corresponding account number;
If A, any one of recognition of face compares failure, face obtains terminal and generates operation information and be uploaded at cloud Platform is stored, while being sent risk to the mobile terminal of the binding account number and being reminded, and end operation;
B, if all identification Xiang Jun pass through in recognition of face, face obtains whether terminal is greater than the set value payment amount Judged;
If voiceprint matches correctly with account number, Application on Voiceprint Recognition payment is carried out;
Vocal print obtains terminal and shows payment amount and payment password, and payer obtains terminal according to payment mouth towards vocal print It enables and payment password is quoted with the clear sounding mouth of mandarin, vocal print obtains terminal will be in the voiceprint and information bank of payer The vocal print of corresponding account number is compared, and judges whether vocal print and account number match again;
If a, vocal print compares failure, failure is paid;
If b, vocal print comparison passes through, vocal print obtains to be judged whether payment amount is greater than the set value eventually;
S4, recognition of face pass through or Application on Voiceprint Recognition passes through, and are required to judge payment amount;
If payment amount is greater than the set value, face obtains terminal or vocal print obtains the movement that terminal is bound to the account Terminal sends verification information and is confirmed: being verified, then pays success;Authentication failed then pays failure;
If payment amount is less than setting value, success is paid;
S5, in the case where pay failure in S3 and S4, face obtains terminal or vocal print and obtains the binding of the terminal account Mobile terminal send risk remind;
S6, no matter whether the payment in S3 and S4 succeeds, and face obtains terminal or vocal print obtains terminal and can generate branch Information is paid, and payment information is uploaded to cloud processing platform and is stored, terminates this wheel operation therewith.
Preferably, the mobile 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 S3 is preset on mobile terminals by account owner.
Preferably, the face obtains terminal and vocal print obtains terminal and integrates on one device, and is arranged in the equipment There are touching display screen, sound input device, camera and processor, and processor passes through 4G network signal and cloud processing platform It is wirelessly connected.
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 mobile terminal in real time, and authentication error >=3 time, account automatic stay.
Preferably, the operation information in the S3 includes video data and voiceprint, and the payment information in S6 includes Video data, voiceprint, face information 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 mobile terminal holder receives risk prompting, Frozen Account may be selected, account freezes duration by account The family owner carries out customized setting by mobile terminal.
It preferably, further include management APP, the management APP is installed on mobile 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 described information storehouse and face information are recorded by account owner by mobile terminal Enter.
Compared with prior art, the beneficial effects of the present invention are:
1, it by two kinds of technical combinations of Application on Voiceprint Recognition and face recognition, cooperates and carries out mobile payment, eliminate tradition Single Application on Voiceprint Recognition or facial recognition techniques is unable to complete the awkward situation of payment due to the minor variations of vocal print or facial information, mentions The high convenience of payment;
2, no matter identified by line or face recognition is provided with multiple tracks safety prevention measure, it can be in convenient payment Under the premise of guarantee the safety of account fund to the greatest extent, improve the safety of mobile payment;
3, payment amount is limited, the big amount of money needs further to verify by verification information, and the size amount of money finally leads to Crossing Application on Voiceprint Recognition or face recognition just can be carried out payment, and verification information and information comparison are improved by that could complete payment The small amount of money pays the convenience used, while ensureing the safety of big amount of money payment funding.
The present invention combines two kinds of technologies of Application on Voiceprint Recognition and face recognition, avoids tiny difference occur because of single identification information Different the case where can not being paid, forms multiple-protection measure when paying to Application on Voiceprint Recognition and face recognition, and multiple-protection is arranged It is convenient and quick to apply verifying, improves the convenience of payment affirmation, while ensure that the safety of account.
Detailed description of the invention
Fig. 1 is the flow diagram of the payment information confirmation method of combination face proposed by the present invention and 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, it is obtained eventually in conjunction with the payment information confirmation method of face and Application on Voiceprint Recognition, including mobile terminal, vocal print End, face obtain terminal, cloud processing platform and information bank and form payment affirmation system, and vocal print obtains terminal for acquiring vocal print letter Breath, and is handled and is compared to voiceprint, and face obtains terminal for acquiring face information, and to face information at Reason and comparison, face obtains terminal and vocal print obtains terminal and integrates on one device, and is provided with touch-control in the equipment and shows Screen, sound input device, camera and processor, and processor is wirelessly connected by 4G network signal and cloud processing platform, Mobile terminal carries out confirmation to payment information and carries out safety operation to payment account, and mobile terminal can set for hand-held electronics It is standby, and hand-hold electronic equipments are provided with the security password that only account owner knows, when cloud processing platform is for storing payment The transaction bill harmony optical image data of generation is stored with the voiceprint and face information of account owner, letter in information bank The voiceprint and face information ceased in library carries out typing by mobile terminal by account owner, further includes management APP, management APP is installed on mobile terminal, and management APP checks Account Transaction History, payment amount for logging in payment account The setting of setting value is freezed and payment affirmation, includes the following steps,
S1, payer obtain terminal towards vocal print and quote payment account with the clear sounding of mandarin;
S2, vocal print acquisition terminal determine the corresponding account in account number and the voiceprint and information bank that generate payer Number vocal print be compared, judge whether vocal print and account number match;
If S3, voiceprint and account number matching error, carry out recognition of face payment;
Payer obtains terminal in face of face, and face obtains the face identification unit in terminal to the iris of payer, view Nethike embrane is identified, is measured to the spacing of the inner eye corner of payer, the tail of the eye and the wing of nose, between the width the corners of the mouth of payer Degree measures, and above-mentioned measurement result is compared with the face information in the information bank of corresponding account number;
If A, any one of recognition of face compares failure, face obtains terminal and generates operation information and be uploaded at cloud Platform is stored, while being sent risk to the mobile terminal of the binding account number and being reminded, and end operation;
B, if all identification Xiang Jun pass through in recognition of face, face obtains whether terminal is greater than the set value payment amount Judged;
If voiceprint matches correctly with account number, Application on Voiceprint Recognition payment is carried out;
Vocal print obtains terminal and shows payment amount and payment password, and payer obtains terminal according to payment mouth towards vocal print It enables and payment password is quoted with the clear sounding mouth of mandarin, vocal print obtains terminal will be in the voiceprint and information bank of payer The vocal print of corresponding account number is compared, and judges whether vocal print and account number match again;
If a, vocal print compares failure, failure is paid;
If b, vocal print comparison passes through, vocal print obtains to be judged whether payment amount is greater than the set value eventually;
S4, recognition of face pass through or Application on Voiceprint Recognition passes through, and are required to judge payment amount;
If payment amount is greater than the set value, face obtains terminal or vocal print obtains the movement that terminal is bound to the account Terminal sends verification information and is confirmed: being verified, then pays success;Authentication failed then pays failure;
If payment amount is less than setting value, success is paid;
S5, in the case where pay failure in S3 and S4, face obtains terminal or vocal print and obtains the binding of the terminal account Mobile terminal send risk remind;When mobile terminal holder receives risk prompting, Frozen Account may be selected, account is freezed Duration carries out customized setting by mobile terminal by account owner;
S6, no matter whether the payment in S3 and S4 succeeds, and face obtains terminal or vocal print obtains terminal and can generate branch Information is paid, and payment information is uploaded to cloud processing platform and is stored, terminates this wheel operation therewith.
Further, the setting value of the payment amount in S3 is preset on mobile terminals by account owner.
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 mobile terminal, and authentication error >=3 time, account automatic stay.
Further, the operation information in S3 includes video data and voiceprint, and the payment information in S6 includes view Frequency data, voiceprint, face information and payment bill information, and payment bill information includes time of payment, the place of payment, branch Pay the amount of money, collecting account and payment account.
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. combining the payment information confirmation method of face and Application on Voiceprint Recognition, including mobile terminal, vocal print obtain terminal, face obtains Terminal, cloud processing platform and information bank form payment affirmation system, and the vocal print obtains terminal for acquiring voiceprint, and right Voiceprint is handled and is compared, and the face obtains terminal for acquiring face information, and handles face information And comparison, the mobile terminal carry out confirmation to payment information and carry out safety operation to payment account, the cloud processing is flat Platform is used to store the transaction bill harmony optical image data generated when payment, and the sound of account owner is stored in described information storehouse Line information and face information, which is characterized in that include the following steps,
S1, payer obtain terminal towards vocal print and quote payment account with the clear sounding of mandarin;
S2, vocal print obtain terminal and determine corresponding account number in account number and the voiceprint and information bank that generate payer Vocal print is compared, and judges whether vocal print and account number match;
If S3, voiceprint and account number matching error, carry out recognition of face payment;
Payer obtains terminal in face of face, and face obtains iris, retina of the face identification unit to payer in terminal Identified, the spacing of the inner eye corner of payer, the tail of the eye and the wing of nose measured, between the width the corners of the mouth of payer into Row measurement, and above-mentioned measurement result is compared with the face information in the information bank of corresponding account number;
If A, any one of recognition of face comparison failure, face obtains terminal generation operation information and is uploaded to cloud processing and puts down Platform is stored, while being sent risk to the mobile terminal of the binding account number and being reminded, and end operation;
B, if all identification Xiang Jun pass through in recognition of face, face obtains whether terminal is greater than the set value progress to payment amount Judgement;
If voiceprint matches correctly with account number, Application on Voiceprint Recognition payment is carried out;
Vocal print obtain terminal show payment amount and payment password, payer towards vocal print obtain terminal according to payment password with The clear sounding mouth of mandarin quotes payment password, vocal print obtain terminal by the voiceprint of payer with it is corresponding in information bank The vocal print of account number is compared, and judges whether vocal print and account number match again;
If a, vocal print compares failure, failure is paid;
If b, vocal print comparison passes through, vocal print obtains to be judged whether payment amount is greater than the set value eventually;
S4, recognition of face pass through or Application on Voiceprint Recognition passes through, and are required to judge payment amount;
If payment amount is greater than the set value, face obtains terminal or vocal print obtains the mobile terminal that terminal is bound to the account It sends verification information to be confirmed: being verified, then pay success;Authentication failed then pays failure;
If payment amount is less than setting value, success is paid;
S5, in the case where pay failure in S3 and S4, face obtains the shifting that terminal or vocal print obtain the binding of the terminal account Dynamic terminal sends risk and reminds;
S6, no matter whether the payment in S3 and S4 succeeds, and face obtains terminal or vocal print obtains terminal and can generate disbursement letter Breath, and payment information is uploaded to cloud processing platform and is stored, terminate 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 described mobile whole 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 S3 The setting value of payment amount is preset on mobile terminals 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 face obtains Take terminal and vocal print to obtain terminal integrated on one device, and be provided in the equipment touching display screen, sound input device, Camera and processor, and processor is wirelessly connected by 4G network signal and 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 mobile 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 S3 Operation information includes video data and voiceprint, and the payment information in S6 includes video data, voiceprint, face information With payment bill information, and payment bill information includes that time of payment, the place of payment, payment amount, collecting account and branch are paid a bill Family.
7. the payment information confirmation method according to claim 1 based on Application on Voiceprint Recognition, which is characterized in that mobile terminal is held When the person of having receives risk prompting, Frozen Account may be selected, account freezes duration and passes through mobile 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 mobile 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 described information storehouse Interior voiceprint and face information carries out typing by mobile terminal by account owner.
CN201811017832.9A 2018-09-02 2018-09-02 Payment information confirmation method combining face and voiceprint recognition Active CN109359982B (en)

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CN115760128A (en) * 2022-10-21 2023-03-07 深圳市盛思达通讯技术有限公司 Safety payment method and system based on face recognition

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CN115760128A (en) * 2022-10-21 2023-03-07 深圳市盛思达通讯技术有限公司 Safety payment method and system based on face recognition

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