CN109493074A - Bookkeeping methods, device, equipment and medium based on instant messaging - Google Patents

Bookkeeping methods, device, equipment and medium based on instant messaging Download PDF

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Publication number
CN109493074A
CN109493074A CN201811264582.9A CN201811264582A CN109493074A CN 109493074 A CN109493074 A CN 109493074A CN 201811264582 A CN201811264582 A CN 201811264582A CN 109493074 A CN109493074 A CN 109493074A
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CN
China
Prior art keywords
loaning bill
record
borrowing
lender
instant messaging
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Pending
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CN201811264582.9A
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Chinese (zh)
Inventor
程学峰
龚春燕
徐志成
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Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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Priority to CN201811264582.9A priority Critical patent/CN109493074A/en
Publication of CN109493074A publication Critical patent/CN109493074A/en
Pending legal-status Critical Current

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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
    • G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
    • 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
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G10L17/02—Preprocessing operations, e.g. segment selection; Pattern representation or modelling, e.g. based on linear discriminant analysis [LDA] or principal components; Feature selection or extraction
    • 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
    • G10L17/22—Interactive procedures; Man-machine interfaces
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L51/00—User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail
    • H04L51/04—Real-time or near real-time messaging, e.g. instant messaging [IM]
    • H04L51/046—Interoperability with other network applications or services

Abstract

The present invention discloses a kind of bookkeeping methods based on instant messaging, device, equipment and medium, should the bookkeeping methods based on instant messaging include: that the loaning bill list to be edited being pre-created is obtained based on record request of borrowing money；If loaning bill record type is borrowing record type, is singly edited based on loaning bill to be edited, it is single to obtain original loaning bill；Vocal print feature extraction is carried out to speech verification information using vocal print feature extraction algorithm, obtains vocal print feature to be measured；Vocal print feature to be measured is input to progress regular identity verifying in speech verification model corresponding with User ID, if the first authentication result is user, original loaning bill is singly sent to lender's client in a manner of instant messaging；If the confirmation message of lender's client feedback is to agree to borrow money, it is single then to generate target loaning bill, target loaning bill is singly handled according to preset recording rule, loaning bill is obtained and records, this method be not necessarily to user's hand-kept, effectively solves the problems, such as at present borrow money record disperse and it is nonstandard.

Description

Bookkeeping methods, device, equipment and medium based on instant messaging
Technical field
The present invention relates to field of internet communication more particularly to a kind of bookkeeping methods based on instant messaging, device, equipment And medium.
Background technique
The generally unidirectional book keeping operation of traditional loaning bill recording mode, such as: loaning bill both sides are when recording loaning bill information, mostly all It is to be recorded based on instant communication information or instant communication information screenshot, alternatively, personal using other modes (such as manual note Account) it is recorded, causing to borrow money, it is more dispersed and due to being nonreturn recording to record, and cannot be participated in jointly by loaning bill both sides, contract Property and validity are lower.
Summary of the invention
The embodiment of the present invention provides a kind of bookkeeping methods based on instant messaging, device, equipment and medium, current to solve Record loaning bill mode is unidirectionally kept accounts by hand dependent on user, and the record that causes to borrow money is compared with the problem dispersed and contractual is lower.
A kind of bookkeeping methods based on instant messaging, comprising:
Record request of borrowing money is obtained, the loaning bill record request includes loaning bill record type and User ID；
It is recorded and is requested based on the loaning bill, obtain the loaning bill list to be edited being pre-created；
If the loaning bill record type is borrowing record type, is singly edited, obtained based on the loaning bill to be edited Original loaning bill is single；
Speech verification information is obtained, and vocal print feature is carried out to the speech verification information using vocal print feature extraction algorithm It extracts, obtains vocal print feature to be measured；
The vocal print feature to be measured is input in speech verification model corresponding with the User ID and carries out regular identity Verifying obtains the first authentication as a result, if the first authentication result is user, by the original loaning bill list Lender's client is sent in a manner of instant messaging；
The confirmation message of lender's client feedback is obtained, if the confirmation message is to agree to borrow money, generates mesh Mark loaning bill is single, singly handles according to preset recording rule target loaning bill, acquisition, which is borrowed money, to be recorded, and the loaning bill is remembered Address book stored is in the database.
A kind of billing device based on instant messaging, comprising:
It borrows money and records request module, requested for obtaining record of borrowing money, the loaning bill record request includes borrowing money to remember Record type and User ID；
Loaning bill to be edited singly obtains module, for based on loaning bill record request, acquisition to be pre-created to be edited It borrows money single；
First original loaning bill singly obtains module, if being borrowing record type for the loaning bill record type, is based on institute It states loaning bill to be edited singly to be edited, it is single to obtain original loaning bill；
Vocal print feature extraction module to be measured, for obtaining speech verification information, and using vocal print feature extraction algorithm to institute Predicate sound verification information carries out vocal print feature extraction, obtains vocal print feature to be measured；
Regular identity authentication module is tested for the vocal print feature to be measured to be input to voice corresponding with the User ID Regular identity verifying is carried out in model of a syndrome, obtains the first authentication as a result, if the first authentication result is user's sheet The original loaning bill is then singly sent to lender's client by people in a manner of instant messaging；
First, which borrows money, records generation module, for obtaining the confirmation message of lender's client feedback, if described true Information is recognized to agree to borrow money, then generates target loaning bill list, and target loaning bill is singly handled according to preset recording rule, is obtained Loaning bill is taken to record, and in the database by the loaning bill record storage.
A kind of computer equipment, including memory, processor and storage are in the memory and can be in the processing The computer program run on device, the processor realize the above-mentioned book keeping operation based on instant messaging when executing the computer program The step of method.
A kind of non-volatile memory medium, the non-volatile memory medium are stored with computer program, the computer The step of above-mentioned bookkeeping methods based on instant messaging is realized when program is executed by processor.
In the above-mentioned bookkeeping methods based on instant messaging, device, equipment and medium, server is asked by obtaining record of borrowing money It asks, to obtain the loaning bill list to be edited being pre-created based on record request of borrowing money, if loaning bill record type is borrowing record Type is then directly based upon loaning bill to be edited and is singly edited, and obtains original loaning bill list, is not necessarily to manual editing, raising is borrowed money single Formation efficiency, so that record of borrowing money more standardizes.Then, speech verification information is obtained, and uses vocal print feature extraction algorithm pair Speech verification information carries out vocal print feature extraction, obtains vocal print feature to be measured, to be input to vocal print feature to be measured and user Authentication is carried out in the corresponding speech verification model of ID, obtains the first authentication as a result, if the first authentication result is Original loaning bill is then singly sent to lender's client by user in a manner of instant messaging, to prevent other people from maloperation initiating The case where record of borrowing money is requested, promotes the fault-tolerance of accounting system.Finally, obtaining the confirmation letter of lender's client feedback It ceases, if confirmation message is borrowed money for agreement, generates target loaning bill list and loaning bill record, and loaning bill is recorded and the single pass of target loaning bill Connection storage, without manually recorded, solution loaning bill record dispersion and nonstandard drawback, while bidirectional record being provided, improve loaning bill The contractual of record.
Detailed description of the invention
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below by institute in the description to the embodiment of the present invention Attached drawing to be used is needed to be briefly described, it should be apparent that, the accompanying drawings in the following description is only some implementations of the invention Example, for those of ordinary skill in the art, without any creative labor, can also be according to these attached drawings Obtain other attached drawings.
Fig. 1 is an application environment schematic diagram of the bookkeeping methods in one embodiment of the invention based on instant messaging；
Fig. 2 is a flow chart of the bookkeeping methods in one embodiment of the invention based on instant messaging；
Fig. 3 is a flow chart of the bookkeeping methods in one embodiment of the invention based on instant messaging；
Fig. 4 is a flow chart of the bookkeeping methods in one embodiment of the invention based on instant messaging；
Fig. 5 is a flow chart of the bookkeeping methods in one embodiment of the invention based on instant messaging；
Fig. 6 is a flow chart of the bookkeeping methods in one embodiment of the invention based on instant messaging；
Fig. 7 is a functional block diagram of the billing device in one embodiment of the invention based on instant messaging；
Fig. 8 is a schematic diagram of computer equipment in one embodiment of 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 some of the embodiments of the present invention, instead of all the embodiments.Based on this hair Embodiment in bright, every other implementation obtained by those of ordinary skill in the art without making creative efforts Example, shall fall within the protection scope of the present invention.
Bookkeeping methods provided in an embodiment of the present invention based on instant messaging, being somebody's turn to do the bookkeeping methods based on instant messaging can answer In a kind of accounting system based on instant messaging exploitation, for initiating to borrow money record request and creating loaning bill record, it is not necessarily to User records by hand or other modes record, and solves borrow money record dispersion and nonstandard drawback, while providing double To record, the contractual for record of borrowing money is improved.The bookkeeping methods based on instant messaging can be applicable to the application environment such as Fig. 1 In, wherein computer equipment is communicated by network with server.Computer equipment can be, but not limited to various individual calculus Machine, laptop, smart phone, tablet computer and portable wearable device.Server can with independent server come It realizes.
In one embodiment, it as shown in Fig. 2, providing a kind of bookkeeping methods based on instant messaging, applies in this way It is illustrated, includes the following steps: for server in Fig. 1
S11: obtaining record request of borrowing money, and record request of borrowing money includes loaning bill record type and User ID.
Wherein, record request of borrowing money is the request for triggering accounting system creation loaning bill record.Loaning bill record type packet Include lending record type and borrowing record type.Lending record type refers to the record type that I lends debt.Borrowing note Record type refers to the record type of borrowing debt.User ID is to initiate to borrow money for identification to record unique mark of the user of request Know.Specifically, user is logged in and is verified when entering accounting system, interface of borrowing money of being allowed for access after logining successfully, Including " addition, which is borrowed money, to be recorded ", this is used to create the button of new record of borrowing money at loaning bill interface.When the user clicks on interface When " addition, which is borrowed money, to be recorded " button, the selection interface of loaning bill record type will pop up, which includes two options, i.e. lending choosing Item and borrowing option, the corresponding loaning bill record type of each option, for selection by the user.When the option needed for user's selection, The corresponding loaning bill record type of the option can be labeled (be equipped with Option Box before the corresponding option of such as each loaning bill record type, If selecting a certain loaning bill record type, the corresponding Option Box of the loaning bill record type is ticked or is added some points), so as to server base In labeled Option Box, corresponding loaning bill record type is obtained.
S12: based on record request of borrowing money, the loaning bill list to be edited being pre-created is obtained.
Wherein, loaning bill to be edited has been pre-created for recording the document of loaning bill information.The loaning bill to be edited is single Including borrowing people's name, lender's name, borrowing balance, acknowledging time, creation time, expect the refund time, whether also cleer and peaceful Remark information.Borrowing balance is the amount of money for needing to borrow money to lender into people.Acknowledging time is that borrowing people fills in lender Time for being confirmed of loaning bill information.Creation time is the time borrowed money and record creation.It is expected that the time of refunding is borrowing people's root The refund time estimated according to own situation.Remark information is the field of reason of borrowing money for remarks.
S13: it if loaning bill record type is borrowing record type, is singly edited, is obtained original based on loaning bill to be edited It borrows money single.
Wherein, original loaning bill is singly that borrowing people singly carries out editing acquired loaning bill list according to loaning bill to be edited.Lender Client is the corresponding client of lender.Specifically, borrowing people to borrowing balance and it is expected that can go back on loaning bill to be edited is single The money time is edited, and after the completion of filling in, is clicked and is completed and send, so that server obtains original loaning bill list, and is borrowed original Money list is sent to lender's client in a manner of instant messaging, so that lender singly confirms original loaning bill.Specifically, exist When singly being edited based on loaning bill to be edited, needs to borrow person and select corresponding lender and borrow money, to be borrowed according to original Original loaning bill is singly sent to lender's client in a manner of instant messaging and sent by the lender in money list, selection mode Including but not limited to selection user is manually entered and selects the mode of wechat good friend, so as to user can be directly based upon wechat good friend into Row selection improves loaning bill efficiency without searching manually.
S14: speech verification information is obtained, and vocal print feature is carried out to speech verification information using vocal print feature extraction algorithm It extracts, obtains vocal print feature to be measured.
Wherein, speech verification information is uploaded by the first voice acquisition module in accounting system for carrying out identity The information of verifying.First voice acquisition module is voice acquisition module of the accounting system under ordinary loan mode.Vocal print feature Extraction algorithm is for carrying out the algorithm that vocal print feature mentions to speech verification information.In the present embodiment, vocal print feature extraction algorithm Meier feature extraction algorithm is including but not limited to used, vocal print feature to be measured is using Meier feature extraction algorithm to speech verification Information carries out vocal print feature and extracts acquired Meier feature.Meier is characterized in common phonetic feature during Application on Voiceprint Recognition. Specifically, vocal print feature extraction is carried out to speech verification information using vocal print feature extraction algorithm, obtains vocal print feature to be measured, is Subsequent progress authentication provides data source.
S15: vocal print feature to be measured being input in speech verification model corresponding with User ID and carries out authentication, is obtained First authentication is sent out original loaning bill list as a result, if the first authentication result is user in a manner of instant messaging Give lender's client.
Wherein, the first authentication is the result is that carry out the obtained knot of ordinary authentication to user under ordinary loan mode Fruit.Instant messaging refers to the application program for being able to carry out real time communication, the instant messaging include but is not limited to wechat, Alipay and Happy safety etc..Specifically, speech verification model is the voice messaging for each user that system acquires registration accounting system in advance Acquired verifying model corresponding with User ID is trained then to be input to vocal print feature to be measured corresponding with User ID Speech verification model in carry out authentication, obtain the first authentication as a result, if the first authentication result is user's sheet Original loaning bill is then singly sent to lender's client by people in a manner of instant messaging, to prevent other people from maloperation initiating note of borrowing money The case where record is requested, promotes the fault-tolerance of accounting system.
Further, when record is borrowed money in addition, borrowing people may be selected batch and add, when user selects batch to add, The accounting system will pop up lender's editing interface, for borrowing people batch addition lender.It needs to illustrate, if borrowing people is for the first time When registering accounting system, authorization accounting system obtains user's wechat address list information, when user selects batch to add, the book keeping operation System just will pop up lender's selection interface (i.e. wechat good friend interface).Lender's selection interface includes user's wechat communication All wechat good friends of record, so that user adds lender.Specifically, server can be called preparatory based on borrowing record type Loaning bill to be edited created is single, so that borrowing people edits.Wherein, borrowing people need to only edit borrowing people's name, lender's name, Borrowing balance, estimated refund time and remark information etc., the process make loaning bill list without user manually, can call directly in advance Loaning bill to be edited created is singly edited, and single formation efficiency of borrowing money is improved, so that record of borrowing money more standardizes.
S16: obtaining the confirmation message of lender's client feedback, if confirmation message is to agree to borrow money, generates target and borrows Money list and record of borrowing money singly handle target loaning bill according to preset recording rule, obtain record of borrowing money, and record borrowing money Storage is in the database.
Wherein, preset recording rule is pre-set for generating record of borrowing money according to information in target loaning bill list Rule.Specifically, original loaning bill singly can be sent to lender's client in a manner of instant messaging and confirmed by server, be lent People's client can click the original loaning bill received and singly check and confirm, so that server lender's client feedback Confirmation message.If confirmation message is to agree to borrow money, target loaning bill list is generated, according to preset recording rule in target loaning bill list It is handled, generates corresponding loaning bill record.Such as: Xiao Ming (i.e. borrowing people) (confirmed for 13 minutes 5 points of July 11 in 2018 Time) 5000 yuans of Xiang little Hong (i.e. lender) loaning bill, Xiao Ming promises to undertake (i.e. estimated to go back in the Wednesday on the 11st of August in 2018 The money time) it pays off, to achieve the purpose that loaning bill both sides record jointly, realize two-way book keeping operation.Finally, will borrow money record and target are borrowed Money list associated storage can also check the details in target loaning bill list when checking loaning bill record so as to user.Wherein, it borrows money Acknowledging time, creation time in record and it is expected that the time of refunding is stored in the form of UNIX timestamp, UNIX time Stamp can generate a unique encrypted value for the scheduled date, illegally reuse after preventing numerical value to be stolen, play encryption Effect.
Finally, target loaning bill is single for server and corresponding loaning bill records in associated storage database.In the present embodiment, number It include but is not limited to use MySQL database according to library.MySQL is a kind of relational database management system, and relational database will count According to being stored in different tables of data, rather than all data are placed in a tables of data, increase the efficiency of data access And improve flexibility.Understandably, which is recorded in be updated to the state of paying off before, configuration only has lender to possess deletion and borrow Money record permission so that only lender can delete the loaning bill record, with for prevent user misoperation creation borrow money record Situation, the accounting system also, by record deletion of borrowing money, can promote the fault-tolerance of book keeping operation small routine before lender is unconfirmed.
In the present embodiment, server is by obtaining record request of borrowing money, to obtain wound in advance based on record request of borrowing money The loaning bill list to be edited built up is directly based upon loaning bill to be edited and is singly compiled if loaning bill record type is borrowing record type Volume, original loaning bill list is obtained, manual editing is not necessarily to, improves single formation efficiency of borrowing money, so that loaning bill record more standardizes.So Afterwards, speech verification information is obtained, and vocal print feature extraction is carried out to speech verification information using vocal print feature extraction algorithm, is obtained Vocal print feature to be measured is tested so that vocal print feature to be measured is input to progress identity in speech verification model corresponding with User ID Card obtains the first authentication as a result, if the first authentication result is user, by original loaning bill list with instant messaging Mode is sent to lender's client, records the case where requesting to prevent other people maloperations from initiating to borrow money, promotes book keeping operation system The fault-tolerance of system.Finally, obtaining the confirmation message of lender's client feedback, if confirmation message is to agree to borrow money, mesh is generated It marks single and loaning bill of borrowing money to record, and will borrow money record and target loaning bill list associated storage, without manually recorded, solving to borrow money is recorded Dispersion and nonstandard drawback, while bidirectional record being provided, improve the contractual for record of borrowing money.
In one embodiment, as shown in Fig. 2, after step S12, it further includes as follows for being somebody's turn to do the bookkeeping methods based on instant messaging Step:
S17: if loaning bill record type is lending record type, loaning bill list to be edited is sent in a manner of instant messaging People's client is borrowed, so that borrowing people's client is based on loaning bill to be edited and singly edits, it is single to obtain original loaning bill.
Specifically, if loaning bill record type is lending record type, loaning bill list to be edited is sent out in a manner of instant messaging Borrowing people's client is given, is singly edited to borrow people according to loaning bill to be edited.It can be single according to loaning bill to be edited by means of such as people On field to be filled in (borrowing people's name, borrowing balance, estimated is refunded time and remark information etc. at lender's name) compile Volume, so that loaning bill both sides participate in jointly, so that record of borrowing money has contractual.It is understood that due to borrowing people's name, lender's surname Name, borrowing balance, the estimated fields such as time and remark information of refunding are to borrow the required item of people, therefore need to only borrow people and edit and borrow Money list is confirmed by lender, so that loaning bill process is more convenient.
S18: obtaining the original loaning bill list of borrowing people's client feedback, singly confirms to original loaning bill, obtains confirmation letter Breath obtains speech verification information, and believe speech verification using vocal print feature extraction algorithm if confirmation message is to agree to borrow money Breath carries out vocal print feature extraction, obtains vocal print feature to be measured；
S19: being input to progress regular identity verifying in speech verification model corresponding with User ID for vocal print feature to be measured, The first authentication is obtained as a result, target loaning bill list is generated, according to default note if the first authentication result is user Record rule singly handles target loaning bill, obtains record of borrowing money, and in the database by loaning bill record storage.
Specifically, lender receives the original loaning bill list that borrowing people's client is sent in a manner of instant messaging, and clicking should Small routine includes confirmation and modification in the single displayed page of target loaning bill to enter original single details displayed page of borrowing money Two options.If lender's confirmation is errorless, confirmation option may be selected, at this point, server will pop up prompt information, prompt lending People, which carries out authentication, that is, lender, to upload recording with the first voice acquisition module of overregistering system, so that server obtains Speech verification information, and using vocal print feature extraction algorithm to the speech verification information carry out vocal print feature extraction, obtain to Vocal print feature is surveyed, the voiceprint extraction characteristics algorithm is consistent with step S15, and to avoid repeating, details are not described herein.By vocal print to be measured Feature, which is input in speech verification model corresponding with the User ID, carries out authentication, obtain the first authentication as a result, If the first authentication result be user, generate target borrow money singly, with prevent other people palm off lender confirm or The problem of maloperation, occurs, and promotes the fault-tolerance of accounting system.Finally, singly locating according to preset recording rule to target loaning bill Reason obtains record of borrowing money, and in the database by loaning bill record storage, the preset recording rule is consistent with step S16, to avoid It repeats, details are not described herein.
Further, if information is wrong in target loaning bill list, modification option may be selected and modify, and will be modified Target loaning bill list is sent to borrowing people's client in a manner of instant messaging, so that borrowing people confirms, is somebody's turn to do if borrowing people confirms Modified target loaning bill is single errorless, then generates target loaning bill list, singly handles according to preset recording rule target loaning bill, Record of borrowing money is obtained, and in the database by loaning bill record storage.Understandably, if the information in target loaning bill list is wrong, Lender can be modified the information in target loaning bill list, and borrowing people can only link up with lender privately, by lender come more Change, borrowing people does not have modification authority, to prevent borrowing people's malice altered data.
Accounting system in the present embodiment can be initiated record request of borrowing money by lender, filled in and be sent to by borrowing people Lender's client confirms；It can also be confirmed by borrowing people and editing and be sent to lender's client, so that it is double to borrow money Fang Gongtong is participated in, so that accounting information has contractual.
It is if loaning bill record type is lending record type, loaning bill to be edited is single with instant messaging side in the present embodiment Formula is sent to borrowing people's client, so that borrowing people's client is based on loaning bill to be edited and singly edits, the original loaning bill of acquisition is single, Without manual editing, the normalization of the formation efficiency for borrowing money single and record of borrowing money is improved.Finally, obtaining borrowing people's client feedback Original loaning bill list, to it is original loaning bill singly confirm, obtain confirmation message, if confirmation message be agree to borrow money, generate target It borrows money single and record of borrowing money, and will borrow money record and target is borrowed money single associated storage, without manually recorded, solve record point of borrowing money Scattered and nonstandard drawback, while bidirectional record being provided, improve the contractual for record of borrowing money.
In one embodiment, as shown in figure 3, being somebody's turn to do the bookkeeping methods based on instant messaging further includes following steps:
S21: being based on User ID, inquires database, obtains historical record corresponding with User ID, and historical record includes at one Reason state and record creation time.
Wherein, processing status refers to the state whether paid off.Record creation time is the creation time recorded of borrowing money.History Record is the pervious loaning bill record of current time corresponding with User ID stored in database.
S22: being not pay off the historical record progress quantity statistics of state to processing status, if processing status is not pay off shape The quantity of the historical record of state is greater than the first risk threshold value, then obtains the first Risk-warning.
S23: being in the historical record in preset time range to record creation time and carry out quantity statistics, if record creation The quantity that time is in the historical record in preset time range is greater than the second risk threshold value, then obtains the second Risk-warning.
Wherein, the first risk threshold value refers to the threshold value for carrying out the first Risk-warning.Second risk threshold value refers to that finger is used In the threshold value for carrying out the second Risk-warning.First Risk-warning refers to the early warning that borrowing people repeatedly borrows money to other people.Second wind Dangerous early warning refers to the early warning repeatedly borrowed money to other people borrowing people's short time.Specifically, original loaning bill is single with instant messaging side When formula is sent to lender's client, server can also carry out the first Risk-warning to borrowing people and the second Risk-warning is commented Estimate, and the assessment result of the first Risk-warning and the second Risk-warning is sent to lender's client, auxiliary lender is to borrowing The prestige for entering people judges, to ensure the interests of lender.
Specifically, the first Risk-warning is server by searching for database, obtains the corresponding history of borrowing people and borrows money and remembers Record, and to the history loaning bill record progress quantity statistics for not paying off state are in history loaning bill record, it is recorded if history is borrowed money In in do not pay off state history borrow money record quantity be greater than preset threshold when, then subsequent borrowing people initiates to borrow money every time When, the first Risk-warning information can be sent to corresponding lender.Second Risk-warning is server by searching for database, is obtained The corresponding loaning bill record of borrowing people is taken, and is counted based on the creation time in record of borrowing money, if short-term (such as: 1 day) It is introversive that other people repeatedly borrow money, then subsequent borrowing people initiates to borrow money every time record request when, corresponding borrowing human hair can be given to send the Two Risk-warning information, and give the first Risk-warning, the second Risk-warning and original loaning bill single-shot to lender, auxiliary lending People judges the prestige of borrowing people, to ensure the interests of lender.
In the present embodiment, original loaning bill is singly sent to lender's client in a manner of instant messaging, is specifically included as follows Step: the first Risk-warning, the second Risk-warning and original loaning bill are singly sent to lender's client in a manner of instant messaging.
In the present embodiment, server is based on User ID, inquires database, obtains historical record corresponding with User ID, with It just is not pay off the historical record progress quantity statistics of state to processing status, if processing status is not pay off the history note of state The quantity of record is greater than the first risk threshold value, then obtains the first Risk-warning, is in preset time range to record creation time Historical record carry out quantity statistics, if record creation time be in the quantity of the historical record in preset time range greater than the Two risk threshold values then obtain the second Risk-warning, and the first Risk-warning, the second Risk-warning and original loaning bill is single with Instant Messenger News mode is sent to lender's client, to assist lender to judge the prestige of borrowing people, to ensure the benefit of lender Benefit.
In one embodiment, original loaning bill singly includes borrowing balance.As shown in figure 4, after step S20 and in step Before S13, being somebody's turn to do the bookkeeping methods based on instant messaging further includes following steps:
S31: judging borrowing balance, if borrowing balance is more than preset threshold, generates mode conversion prompting message, Mode conversion prompting message is sent to lender's client.
Wherein, mode conversion prompting message refers to the prompting message for prompting the user whether to carry out fine mode.The present embodiment In, it include two kinds of loaning bill modes when borrowing money and recording using accounting system creation, one is fine mode, another kind is common Loaning bill mode.Wherein, fine mode refers to that borrowing balance is more than the mode that preset threshold when institute recommended user uses, in advanced mould Under formula, need to verify loaning bill both sides identity just can create original loaning bill list, with the safety of guaranteed loan process.Ordinary loan mould Formula refers to the mode that institute recommended user uses when borrowing balance is less than preset threshold, under ordinary loan mode, without verifying Loaning bill both sides identity can directly original loaning bill list.It needs to illustrate, loaning bill is recorded in no overdue (being more than estimated refund the time) Before, do not support group to share loaning bill data, to protect privacy of user.
Specifically, borrowing people carries out according to the field to be filled in (borrowing people, borrowing balance and refund date) on loaning bill list It edits and uploads, if borrowing balance is more than preset threshold, it is believed that borrowing balance is larger, then generates mode conversion prompting message, Mode conversion prompting message is sent to lender's client, to remind whether lender enters fine mode, with double to borrowing money The identity of side is verified, and is borrowed money with preventing other people from falsely using identity, is reduced the risk of swindle.
S32: the authentication instruction of lender's client feedback generated based on mode conversion prompting message is obtained.
Wherein, authentication instruction is that the instruction of authentication is carried out for triggering accounting system.Specifically, lender visitor Family end receive mode conversion prompting message after, lender can root point blow mode conversion prompting message in "Yes" button, with Server is set to obtain the authentication instruction of lender's client feedback generated based on mode conversion prompting message.
S33: identity-based verifies instruction acquisition lender information and borrowing people's information, to lender's information and borrowing people's letter Breath carries out high-level identity verifying, obtains the second authentication as a result, and authentication result is sent to lender's client.
Wherein, the second authentication verifies obtained knot the result is that carrying out high-level identity to user under advanced loaning bill mode Fruit.In the present embodiment, the mode of authentication include but is not limited to by third party's authentication mode, speech verification mode and Recognition of face verification mode.It needs to illustrate, the authentication under fine mode need to verify the identity of loaning bill both sides, and common Authentication (i.e. step S15 and step S23 are the authentication under ordinary loan mode) under loaning bill mode is only needed to initiation It borrows money and records user's progress authentication of request, record the case where requesting to prevent other people maloperations from initiating to borrow money, mention Rise the fault-tolerance of accounting system.By taking speech verification as an example, specifically, accounting system includes the second voice acquisition module, is borrowed money Both sides can also preset loaning bill password, and using default loaning bill password as recording substance, be based on the second voice acquisition module (such as Mike Wind) it is recorded and is uploaded, since the authentication under fine mode need to verify the identity of loaning bill both sides, and initiate to borrow The user of money record request has carried out authentication when initiating to borrow money record request, therefore, only needs in the advanced mode pair The user for not carrying out the first authentication carries out authentication.(i.e. lender believes for the recording that server is uploaded by loaning bill both sides Breath or borrowing people's information), acoustic feature extraction algorithm (consistent with step S15) is used to the recording for the user for not carrying out authentication Vocal print feature extraction is carried out, vocal print feature to be measured is obtained, vocal print feature to be measured is input to speech verification corresponding with User ID High-level identity verifying is carried out in model, obtains recognition result；If recognition result is greater than preset threshold, voice print verification is successful, really Fixed its is user.It also needs to record to be input in speech recognition modeling by speech recognition interface to identify simultaneously, obtain Identification text information is taken, and identification text information is compared with default loaning bill password, if comparing successfully, password authentification is logical It crosses.It is understood that obtaining the second authentication knot if voice print verification is successful and password authentification success, high-level identity are verified Fruit is to pass through.If voice print verification is unsuccessful or password authentification is unsuccessful, verifies and do not pass through, obtains the second authentication result For failure.Further, in this embodiment default loaning bill password can borrow money record generate after be used as encryption, in password Verification process is decrypted again, to ensure that privacy of user is not easy to reveal.
It needs to illustrate, loaning bill both sides are both needed to carry out authentication in the advanced mode.Wherein, lender's information refers to lender Using default loaning bill password as recording substance and the information for upload of recording.Borrowing people's information refers to borrowing people by default loaning bill password As recording substance and the information for upload of recording.Default loaning bill password refers to the loaning bill password of loaning bill both sides' private consultation, prevents Other people falsely use identity loaning bill, the safety of guaranteed loan.Vocal print feature includes but is not limited to mel cepstrum feature.Due to vocal print spy The uniqueness of sign carrying speaker's identity information, therefore authentication is carried out using vocal print feature, improve the accurate of verification result Rate is verified to prevent other people from falsely using identity and borrow money by the identity to loaning bill both sides, reduces the risk of swindle.
In the present embodiment, server can judge the borrowing balance in original loaning bill list, if borrowing balance is more than pre- If threshold value, then mode conversion prompting message is generated, mode conversion prompting message is sent to lender's client, is borrowed to obtain The authentication instruction of people's client feedback generated based on mode conversion prompting message out.Finally, identity-based verifying instruction Lender's information and borrowing people's information are acquired, authentication is carried out to lender's information and borrowing people's information, obtains authentication As a result, and authentication result is sent to lender's client, verified by the identity to loaning bill both sides, to prevent him People falsely uses identity loaning bill, reduces the risk of swindle, enhances the safety of accounting system.
In one embodiment, as shown in figure 5, being somebody's turn to do the bookkeeping methods based on instant messaging further includes following steps:
S41: obtain lender's client send regular alert requests, regular alert requests include the timed reminding time and Reminded contents.
Wherein, regular alert requests are to remind the request that borrowing people refunds or lender collects money for triggering accounting system. Specifically, it will include the button whether periodically reminded on target loaning bill list, which can be lighted that (default button is lit by user When correspond to option "Yes"), or can also be whether two Option Boxes be arranged in the corresponding position periodically reminded, user can be in Option Box Middle ticking is selected, and determines whether to need periodically to be reminded.Meanwhile server can be touched in the button periodically reminded It when hair, pops up and periodically reminds configuration interface, user can be in periodically reminding the configuration timed reminding time in configuration interface and reminding Hold, so that server obtains regular alert requests.It is understood that timed reminding time and reminded contents can deposit in advance from system It directly selects and is configured in the default fields of storage, without being manually entered, if not including needed for user in pre-stored field , then user can manual modification, so as to users' personal allocation timed reminding time and reminded contents.
S42: timed task is arranged based on timed reminding time and reminded contents, if the current time in system is timed reminding Between, then refund prompting message is generated, refund prompting message is sent to borrowing people's client in a manner of instant messaging.
It wherein, further include with timed task in accounting system, for timed reminding, borrowing people refunds.Specifically, server Based on timed reminding time and reminded contents setting timed task (such as: refunding).If the current time in system is the timed reminding time, Refund prompting message is then generated, refund prompting message is sent to borrowing people's client in a manner of instant messaging, reminds borrowing people It refunds, realizes and collect money from dynamic auxiliary lender, urge money manually without lender.
In the present embodiment, the regular alert requests that server is sent by obtaining lender's client, so as to based on regular Timed task is arranged in timed reminding time and reminded contents in alert requests, if the current time in system is the timed reminding time, Refund prompting message is then generated, refund prompting message is sent to borrowing people's client in a manner of instant messaging, with timed reminding It borrows people to refund, realizes the purpose collected money from dynamic auxiliary lender, urge money manually without lender.
In one embodiment, as shown in fig. 6, if the not set timed reminding of user, also can be used the mode reminded in real time with When remind borrowing people refund.Specifically, being somebody's turn to do the bookkeeping methods based on instant messaging further includes following steps:
S51: it obtains the inquiry that lender's client is sent and records request, inquiry record request includes query argument and data State.
Wherein, the request of inquiry record is the request for triggering accounting system inquiry user's history loaning bill record.Inquiry ginseng Number includes but is not limited to creation time, borrowing balance amount and loaning bill record type to inquire.Data mode refers to that loaning bill is The no state paid off.Specifically, user can click " checking loaning bill record " button on loaning bill interface, and jump to inquiry circle Face, query interface include two kinds of query types, and one is lending record queries, another kind is borrowing record queries.When user selects When selecting lending record queries, server will pop up query argument choice box and data mode choice box, and user can join according to inquiry Number choice box and data mode choice box select query argument and data mode, so that server obtains inquiry record request.
S52: being based on query argument and data status inquiry database, obtains at least one history loaning bill record, each to borrow Money record includes reminder option.
Specifically, server can inquire database according to query argument and data mode, obtain at least one history loaning bill Record, and give at least one history loaning bill record display to the display interface in lender's client, every loaning bill record wraps It includes a reminder option, whether pay off button and delete button.It is understood that only whether paying off button and being lit or activate When, the lending talent can click delete button, and otherwise the delete button is only open to lender, prevent malice from deleting, and ensure lending The number one of people.
S53: refund prompting message is generated based on reminder option, refund prompting message is sent in a manner of instant messaging and is borrowed Enter people's client.
Wherein, refund prompting message is the information refunded for system alert borrowing people.Specifically, if reminder option When button is lit or activates, then server can be based on reminder option, pop up reminded contents set interface, reminded contents setting Interface includes customized and two kinds of Setting patterns of default, user can choose corresponding Setting pattern on demand, so that server is raw It is sent to borrowing people's client in a manner of instant messaging at refund prompting message, and by refund prompting message, is mentioned at any time with reaching The purpose that the borrowing people that wakes up refunds.
Further, which further includes the interface H5 for the business of borrowing money, so that user's real time inspection is borrowed money situation.Tool Body, it further include the url with the associated each lending and borrowing business (such as: an account is logical) of instant messaging on the interactive interface of accounting system (Uniform Resource Locator, uniform resource locator) reaches flow point so that user can directly borrow or lend money to enterprise The purpose of hair realizes win-win.Wherein, url (Uniform Resource Locator, uniform resource locator) is with referring to network Location.
In the present embodiment, server obtains the inquiry that lender's client is sent and records request, so as to based on based on inquiry Parameter and data status inquiry database obtain at least one history loaning bill record, and each loaning bill record includes reminder option.Most Afterwards, refund prompting message is generated based on reminder option, refund prompting message is sent to borrowing people client in a manner of instant messaging End, to achieve the purpose that remind borrowing people to refund at any time.
It should be understood that the size of the serial number of each step is not meant that the order of the execution order in above-described embodiment, each process Execution sequence should be determined by its function and internal logic, the implementation process without coping with the embodiment of the present invention constitutes any limit It is fixed.
In one embodiment, a kind of billing device based on instant messaging is provided, it should the billing device based on instant messaging It is corresponded with the bookkeeping methods in above-described embodiment based on instant messaging.As shown in fig. 7, should be filled based on the book keeping operation of instant messaging Set including borrow money record request module 11, loanings bill to be edited singly obtain original loanings bill of module 12, first list acquisition module 13, Vocal print feature extraction module 14 to be measured, regular identity authentication module 15, first borrow money record generation module 16, loanings bill to be edited singly The original loaning bill of sending module 17, second singly obtains module 18 and the second loaning bill record generation module 19.Each functional module is specifically It is bright as follows:
Record request module 11 of borrowing money borrows money to record and requests to include record of borrowing money for acquisition loaning bill record request Type and User ID.
Loaning bill to be edited singly obtains module 12, borrows for based on record request of borrowing money, obtaining be pre-created to be edited Money list.
First original loaning bill singly obtains module 13, if being borrowing record type for loaning bill record type, based on wait compile It collects to borrow money and singly be edited, obtain original loaning bill list, original loaning bill is singly sent to lender's client in a manner of instant messaging.
Vocal print feature extraction module 14 to be measured for obtaining speech verification information, and uses vocal print feature extraction algorithm pair Speech verification information carries out vocal print feature extraction, obtains vocal print feature to be measured.
Regular identity authentication module 15, for vocal print feature to be measured to be input to speech verification model corresponding with User ID Middle progress regular identity verifying, obtain the first authentication as a result, if the first authentication result be user, will be original List of borrowing money is sent to lender's client in a manner of instant messaging.
Specifically, the first loaning bill record generation module 16, for obtaining the confirmation message of lender's client feedback, if really Information is recognized to agree to borrow money, then generates target loaning bill list, target loaning bill is singly handled according to preset recording rule, acquisition is borrowed Money record, and in the database by loaning bill record storage.
The single sending module 17 of loaning bill to be edited is borrowed if being lending record type for loaning bill record type by be edited Money list is sent to borrowing people's client in a manner of instant messaging, so that borrowing people's client is based on loaning bill to be edited and singly compiles Volume, it is single to obtain original loaning bill.
Second original loaning bill singly obtains module 18, for obtaining the original loaning bill list of borrowing people's client feedback, to original Loaning bill is singly confirmed, confirmation message is obtained, if confirmation message is to agree to borrow money, obtains speech verification information, and use sound Line feature extraction algorithm carries out vocal print feature extraction to speech verification information, obtains vocal print feature to be measured；
Second, which borrows money, records generation module 19, for vocal print feature to be measured to be input to speech verification corresponding with User ID Regular identity verifying is carried out in model, obtains the first authentication as a result, giving birth to if the first authentication result is user Target loaning bill is singly handled according to preset recording rule at target loaning bill individual palpation, obtains record of borrowing money, and the record that will borrow money is deposited Storage is in the database.
Specifically, should billing device based on instant messaging further include that historical record acquiring unit, the first Risk-warning obtain Take unit and the second Risk-warning acquiring unit.
Historical record acquiring unit inquires database, obtains history note corresponding with User ID for being based on User ID Record；Historical record includes a processing status and record creation time；
First Risk-warning acquiring unit, for being not pay off the historical record progress quantity system of state to processing status Meter obtains the first Risk-warning if processing status is not pay off the quantity of the historical record of state greater than the first risk threshold value；
Second Risk-warning acquiring unit, for record creation time be in the historical record in preset time range into Row quantity statistics, if the quantity that record creation time is in the historical record in preset time range is greater than the second risk threshold value, Then obtain the second Risk-warning；
Then by original loaning bill it is single be sent to lender's client in a manner of instant messaging specifically, by the first Risk-warning, Second Risk-warning and original loaning bill are singly sent to lender's client in a manner of instant messaging.
Specifically, original loaning bill singly includes borrowing balance, and being somebody's turn to do the billing device based on instant messaging further includes mode conversion Prompting message generation unit, authentication instruction acquisition unit and authentication result acquiring unit.
Mode converts prompting message generation unit, for judging borrowing balance, if borrowing balance is more than default threshold Value then generates mode conversion prompting message, and mode conversion prompting message is sent to lender's client.
Authentication instruction acquisition unit, for obtaining the raw based on mode conversion prompting message of lender's client feedback At authentication instruction.
Authentication result acquiring unit for identity-based verifying instruction acquisition lender information and borrows people's information, High-level identity verifying is carried out to lender's information and borrowing people's information, obtains the second authentication as a result, and testing the second identity Card result is sent to lender's client.
Specifically, being somebody's turn to do the billing device based on instant messaging further includes regular alert requests acquiring unit and prompting letter of refunding Cease generation unit.
Regular alert requests acquiring unit is periodically reminded for obtaining the regular alert requests of lender's client transmission Request includes timed reminding time and reminded contents.
First refund prompting message generation unit, for timed task to be arranged based on timed reminding time and reminded contents, If the current time in system is the timed reminding time, refund prompting message is generated, by refund prompting message in a manner of instant messaging It is sent to borrowing people's client.
Specifically, being somebody's turn to do the billing device based on instant messaging further includes inquiry record request unit, history loaning bill note Record acquiring unit and the second refund prompting message generation unit.
Inquiry record request unit obtains the inquiry that lender's client is sent and records request, inquiry record request Including query argument and data mode.
History, which is borrowed money, records acquiring unit, for being based on query argument and data status inquiry database, obtains at least one A history, which is borrowed money, to be recorded, and each loaning bill record includes reminder option.
Second refund prompting message generation unit is reminded for generating refund prompting message based on reminder option by refunding Information is sent to borrowing people's client in a manner of instant messaging.
Specific restriction about the billing device based on instant messaging may refer to above for based on instant messaging The restriction of bookkeeping methods, details are not described herein.Modules in the above-mentioned billing device based on instant messaging can whole or portion Divide and is realized by software, hardware and combinations thereof.Above-mentioned each module can be embedded in the form of hardware or independently of computer equipment In processor in, can also be stored in a software form in the memory in computer equipment, in order to processor calling hold The corresponding operation of the above modules of row.
In one embodiment, a kind of computer equipment is provided, which can be server, internal junction Composition can be as shown in Figure 8.The computer equipment include by system bus connect processor, memory, network interface and Database.Wherein, the processor of the computer equipment is for providing calculating and control ability.The memory packet of the computer equipment Include non-volatile memory medium, built-in storage.The non-volatile memory medium is stored with operating system, computer program and data Library.The built-in storage provides environment for the operation of operating system and computer program in non-volatile memory medium.The calculating The database of machine equipment, which is used to store, executes the data that the bookkeeping methods based on instant messaging is generated or obtained in the process, such as borrows money Record.The network interface of the computer equipment is used to communicate with external terminal by network connection.The computer program is located It manages when device executes to realize a kind of bookkeeping methods based on instant messaging.
In one embodiment, a kind of computer equipment is provided, including memory, processor and storage are on a memory And the computer program that can be run on a processor, processor execute computer program when realize in above-described embodiment based on i.e. When communicate bookkeeping methods the step of, such as step shown in step S11-S19 or Fig. 3 to Fig. 6 shown in Fig. 2.Or Person, processor execute computer program when realize this embodiment of the long-distance monitorng device based on Internet of Things in each module/it is mono- The function of member, such as the function of each module/unit shown in Fig. 7, to avoid repeating, which is not described herein again.
In one embodiment, a non-volatile memory medium is provided, is stored with computer on the non-volatile memory medium The step of program, which realizes user account number unlocking method in above-described embodiment when being executed by processor, such as Fig. 2 Step shown in shown step S11-S19 or Fig. 3 to Fig. 6, to avoid repeating, which is not described herein again.Alternatively, the meter Calculation machine program realizes each module in above-mentioned this embodiment of the long-distance monitorng device based on Internet of Things/mono- when being executed by processor The function of member, such as the function of each module/unit shown in Fig. 7, to avoid repeating, which is not described herein again.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with Relevant hardware is instructed to complete by computer program, the computer program can be stored in a non-volatile computer In read/write memory medium, the computer program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein, To any reference of memory, storage, database or other media used in each embodiment provided herein, Including non-volatile and/or volatile memory.Nonvolatile memory may include read-only memory (ROM), programming ROM (PROM), electrically programmable ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory may include Random access memory (RAM) or external cache.By way of illustration and not limitation, RAM is available in many forms, Such as static state RAM (SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram (DDRSDRAM), enhancing Type SDRAM (ESDRAM), synchronization link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each function Can unit, module division progress for example, in practical application, can according to need and by above-mentioned function distribution by different Functional unit, module are completed, i.e., the internal structure of described device is divided into different functional unit or module, more than completing The all or part of function of description.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although referring to aforementioned reality Applying example, invention is explained in detail, those skilled in the art should understand that: it still can be to aforementioned each Technical solution documented by embodiment is modified or equivalent replacement of some of the technical features；And these are modified Or replacement, the spirit and scope for technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution should all It is included within protection scope of the present invention.

Claims (10)

1. a kind of bookkeeping methods based on instant messaging characterized by comprising
Record request of borrowing money is obtained, the loaning bill record request includes loaning bill record type and User ID；
It is recorded and is requested based on the loaning bill, obtain the loaning bill list to be edited being pre-created；
If the loaning bill record type is borrowing record type, is singly edited, obtained original based on the loaning bill to be edited It borrows money single；
Speech verification information is obtained, and vocal print feature is carried out to the speech verification information using vocal print feature extraction algorithm and is mentioned It takes, obtains vocal print feature to be measured；
The vocal print feature to be measured is input to progress regular identity verifying in speech verification model corresponding with the User ID, The first authentication is obtained as a result, if the first authentication result is user, by the original loaning bill list with i.e. When communication modes be sent to lender's client；
The confirmation message of lender's client feedback is obtained, if the confirmation message is to agree to borrow money, target is generated and borrows Money list is singly handled target loaning bill according to preset recording rule, obtains record of borrowing money, and loaning bill record is deposited Storage is in the database.
2. as described in claim 1 based on the bookkeeping methods of instant messaging, which is characterized in that described by the original loaning bill Before single the step of being sent to lender's client in a manner of instant messaging, the bookkeeping methods based on instant messaging is also wrapped It includes:
Based on the User ID, database is inquired, obtains historical record corresponding with the User ID, the historical record includes One processing status and record creation time；
It is not pay off the historical record progress quantity statistics of state to the processing status, if the processing status is not go back The quantity of the historical record of clear state is greater than the first risk threshold value, then obtains the first Risk-warning；
The historical record in preset time range is in the record creation time and carries out quantity statistics, if the record The quantity that creation time is in the historical record in preset time range is greater than the second risk threshold value, then obtains the second risk Early warning；
It is described that the original loaning bill is singly sent to lender's client in a manner of instant messaging, comprising: by first risk Early warning, second Risk-warning and the original loaning bill are singly sent to lender's client in a manner of instant messaging.
3. as described in claim 1 based on the bookkeeping methods of instant messaging, which is characterized in that remembered described based on the loaning bill Record is requested, and after the step for obtaining the loaning bill list to be edited being pre-created, the bookkeeping methods based on instant messaging is also wrapped It includes:
If the loaning bill record type is lending record type, the loaning bill list to be edited is sent in a manner of instant messaging People's client is borrowed, so that borrowing people's client is based on the loaning bill to be edited and singly edits, it is single to obtain original loaning bill；
The original loaning bill list for obtaining borrowing people's client feedback singly confirms the original loaning bill, obtains confirmation letter Breath obtains speech verification information, and test voice using vocal print feature extraction algorithm if the confirmation message is to agree to borrow money It demonstrate,proves information and carries out vocal print feature extraction, obtain vocal print feature to be measured；
The vocal print feature to be measured is input to progress regular identity verifying in speech verification model corresponding with the User ID, The first authentication is obtained as a result, generating the target loaning bill individual palpation if the first authentication result is user Target loaning bill is singly handled according to preset recording rule, obtains record of borrowing money, and by the loaning bill record storage in number According in library.
4. as described in claim 1 based on the bookkeeping methods of instant messaging, which is characterized in that the original loaning bill singly includes borrowing The money amount of money；
After the described the step of original loaning bill is singly sent to lender's client in a manner of instant messaging and described Before the step of obtaining the confirmation message of lender's client feedback, the bookkeeping methods based on instant messaging is also wrapped It includes:
The borrowing balance is judged, if the borrowing balance is more than preset threshold, generates mode conversion prompting message, Mode conversion prompting message is sent to lender's client；
Obtain the authentication instruction of lender's client feedback generated based on mode conversion prompting message；
Based on the authentication instruction acquisition lender information and borrowing people's information, to lender's information and the borrowing People's information carries out high-level identity verifying, obtains the second authentication as a result, and the second authentication result is sent to institute State lender's client.
5. as described in claim 1 based on the bookkeeping methods of instant messaging, which is characterized in that the note based on instant messaging Account method further include:
The regular alert requests that lender's client is sent are obtained, the regular alert requests include timed reminding time and prompting Content；
Timed task is set based on the timed reminding time and the reminded contents, if the current time in system is described fixed When reminder time, then generate refund prompting message, the refund prompting message be sent to the borrowing in a manner of instant messaging People's client.
6. as described in claim 1 based on the bookkeeping methods of instant messaging, which is characterized in that the note based on instant messaging Account method further include:
It obtains the inquiry that lender's client is sent and records request, the inquiry record request includes query argument and data shape State；
Based on the query argument and data status inquiry database, obtains at least one history and borrow money record, it is each described to borrow Money record includes reminder option；
Refund prompting message is generated based on the reminder option, the refund prompting message is sent to institute in a manner of instant messaging State borrowing people's client.
7. a kind of billing device based on instant messaging characterized by comprising
It borrows money and records request module, requested for obtaining record of borrowing money, the loaning bill record request includes borrowing money to record class Type and User ID；
Loaning bill to be edited singly obtains module, for obtaining the loaning bill to be edited being pre-created based on loaning bill record request It is single；
First original loaning bill singly obtains module, if being borrowing record type for the loaning bill record type, based on it is described to Editor borrows money and is singly edited, and it is single to obtain original loaning bill；
Vocal print feature extraction module to be measured, for obtaining speech verification information, and using vocal print feature extraction algorithm to institute's predicate Sound verification information carries out vocal print feature extraction, obtains vocal print feature to be measured；
Regular identity authentication module, for the vocal print feature to be measured to be input to speech verification mould corresponding with the User ID In type carry out regular identity verifying, obtain the first authentication as a result, if the first authentication result be user, The original loaning bill is singly sent to lender's client in a manner of instant messaging；
First, which borrows money, records generation module, for obtaining the confirmation message of lender's client feedback, if the confirmation letter It ceases to agree to borrow money, then generates target loaning bill list, target loaning bill is singly handled according to preset recording rule, acquisition is borrowed Money record, and in the database by the loaning bill record storage.
8. as claimed in claim 7 based on the billing device of instant messaging, which is characterized in that the note based on instant messaging Account device further include:
Mode converts prompting message generation unit, for judging the borrowing balance, if the borrowing balance is more than pre- If threshold value, then mode conversion prompting message is generated, mode conversion prompting message is sent to lender's client；
Authentication instruction acquisition unit reminds letter for obtaining converting based on the mode for lender's client feedback The authentication instruction that breath generates；
Authentication result acquiring unit, for being based on the authentication instruction acquisition lender information and borrowing people's information, High-level identity verifying is carried out to lender's information and borrowing people's information, obtains the second authentication as a result, and by institute It states the second authentication result and is sent to lender's client.
9. a kind of computer equipment, including memory, processor and storage are in the memory and can be in the processor The computer program of upper operation, which is characterized in that the processor realized when executing the computer program as claim 1 to The step of bookkeeping methods described in 6 any one based on instant messaging.
10. a kind of non-volatile memory medium, the non-volatile memory medium is stored with computer program, which is characterized in that The book keeping operation side based on instant messaging as described in any one of claim 1 to 6 is realized when the computer program is executed by processor The step of method.
CN201811264582.9A 2018-10-29 2018-10-29 Bookkeeping methods, device, equipment and medium based on instant messaging Pending CN109493074A (en)

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CN110490566A (en) * 2019-08-20 2019-11-22 珠海格力电器股份有限公司 Loaning bill processing method, device, processor and electronic device in instant messaging
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