CN110046898B - Account information grouping method and device and payment method and device - Google Patents
Account information grouping method and device and payment method and device Download PDFInfo
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- CN110046898B CN110046898B CN201810043115.7A CN201810043115A CN110046898B CN 110046898 B CN110046898 B CN 110046898B CN 201810043115 A CN201810043115 A CN 201810043115A CN 110046898 B CN110046898 B CN 110046898B
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/40—Network security protocols
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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Abstract
The embodiment of the invention discloses a method and a device for grouping account information and a method and a device for payment, wherein the method for payment comprises the following steps: acquiring a voice password of a user; determining a target account set corresponding to the voice password in an account information base according to at least one sound characteristic of the voice password, wherein the target account set is one of account sets included in the account information base, and each account set comprises at least one piece of account information; acquiring at least one type of biological characteristic information of the user; and searching account information matched with the at least one type of biological characteristic information in the target account set, wherein the account information comprises at least one type of preset biological characteristic information and an account number. The account information is stored in groups according to the sound characteristics of the voice password, and when payment is carried out, the target account set to which the account information of the user belongs can be determined according to the voice password of the user, and the target account information can be quickly found in the target account set.
Description
Technical Field
The embodiment of the invention relates to the technical field of biological identification, in particular to a payment account grouping method and device and a payment method and device.
Background
Mobile payment allows a mobile user to make an account payment for goods or services consumed using a mobile terminal (e.g., a cell phone). Mobile payment generally includes two ways, one is that a consumer can complete payment by scanning a two-dimensional code provided by a merchant through a mobile terminal. The other is that the merchant's collection terminal determines the consumer's electronic payment account (hereinafter referred to as "payment account") by scanning the two-dimensional code on the consumer's mobile terminal, and then transfers the corresponding fee from the balance of the payment account or the bound bank card to the merchant account, thereby completing the payment. Although the mobile payment is more convenient and faster than the traditional payment method, the payment can be completed only by carrying the mobile terminal at any time by a consumer, and the mobile payment method is still inconvenient.
Biometric identification is a technique for authenticating the identity of a person by using the inherent physiological characteristics (e.g., fingerprint, facial appearance, iris, etc.) and behavioral characteristics (e.g., handwriting, voice, gait, etc.) of a human body. If the payment receiving terminal of the merchant can determine the payment account of the consumer through biological recognition, the consumer can complete the payment even if the consumer does not carry the mobile terminal.
However, because the matching algorithm of the biometric technology is complex, the biometric payment method can only be applied to the mobile terminal of the consumer at present, and the steps of 1: 1, matching the biological characteristics acquired during payment with the unique biological characteristics stored by the mobile terminal, and completing payment if matching is successful, or else failing payment. Because the number of users who currently own payment accounts is quite large, even hundreds of millions of people, current biometric technologies are described in 1: in the identification process of n, the number of n is limited, generally about 10 ten thousand, and the implementation is very difficult when the number of n is 100 ten thousand. If the number of the servers is increased to increase the number of n, the cost is high, and the operation response time is increased. Therefore, it is very difficult to match specific account information from such a huge account information library by using biometric technology.
Disclosure of Invention
The embodiment of the invention provides a grouping method and a payment method of account information, which aim to solve the problem that the payment function is difficult to realize by using a biometric identification technology at present.
In a first aspect, an embodiment of the present invention provides a payment method, including:
acquiring a voice password of a user;
determining a target account set corresponding to the voice password in an account information base according to at least one sound characteristic of the voice password, wherein the target account set is one of account sets included in the account information base, and each account set comprises at least one piece of account information;
acquiring at least one type of biological characteristic information of the user;
and searching account information matched with the at least one type of biological characteristic information in the target account set, wherein the account information comprises at least one type of preset biological characteristic information and an account number.
Further, the voice feature includes a gender feature, an age stage feature, a dialect feature, or a text message.
Further, the step of determining a target account set corresponding to the voice password in an account information base according to at least one sound characteristic of the voice password comprises:
determining a first sound characteristic of the voice password, wherein each primary account set in the account information base is divided according to the first sound characteristic;
determining whether a first account set corresponding to a first sound feature of the voice password comprises a sub-account set, wherein the first account set is one of the primary account sets;
if the first account set corresponding to the first sound characteristic of the voice password does not comprise a sub-account set, determining that the first account set is a target account set;
if the first account set corresponding to the first sound feature of the voice password comprises a sub-account set, determining a second sound feature of the voice password, and dividing a secondary account set in the account information base according to the second sound feature;
determining whether a second set of accounts corresponding to a second sound characteristic of the voice password comprises a sub-set of accounts, wherein the second set of accounts is one of the sub-sets of accounts comprised by the first set of accounts;
and if the second account set corresponding to the second sound characteristic of the voice password does not comprise the sub-account set, determining that the second account set is a target account set.
Further, the step of searching the account information matching with the at least one biometric information in the target account set includes:
and searching account information matched with the at least one piece of biological characteristic information from the account information arranged at the top in the target account set, wherein the account information in the target account set is sorted according to the payment frequency corresponding to the account information from high to low.
In a second aspect, an embodiment of the present invention further provides a method for grouping account information, including:
acquiring at least two pieces of account information and a voice password corresponding to each piece of account information;
and dividing each account information into at least two account sets according to at least one sound characteristic of each voice password.
Further, the step of dividing each account information into at least two account sets according to at least one sound characteristic of each voice password further comprises:
dividing each account information into at least two primary account sets according to a first sound characteristic of each voice password;
judging whether a first account set with account information quantity larger than a first threshold exists or not, wherein the first account set is one of the primary account sets;
and if so, dividing the account information in the first account set into at least two secondary account sets according to the second sound characteristic of the voice password corresponding to the account information in the first account set.
Further, the method further comprises:
if the first server meets the deposit condition, a second account set is deposited into the first server, the deposit condition is that the sum of the account information quantity in the current server and the account information quantity in the second account set is smaller than a second threshold value, and the second account set is one of the at least two account sets;
if the first server does not accord with the storage condition, judging whether the second server accords with the storage condition;
and if the second server meets the storage condition, storing the second account set in the second server.
Further, the method further comprises:
saving the at least two account sets to at least one server;
determining a payment peak period corresponding to each server with account information stored in a payment period;
if the number of payments processed by a third server within the third server's peak payment period is greater than a preset number, then any set of accounts in the third server is transferred to the server with the lowest number of payments processed within the third server's peak payment period, the third server being one of the servers.
In a third aspect, an embodiment of the present invention further provides a payment apparatus, including:
a first acquisition unit for acquiring a voice password of a user;
a determining unit, configured to determine, according to at least one sound feature of the voice password, a target account set corresponding to the voice password in an account information base, where the target account set is one of account sets included in the account information base, and each account set includes at least one piece of account information;
a second acquisition unit configured to acquire at least one type of biometric information of the user;
and the searching unit is used for searching account information matched with the at least one piece of biological characteristic information in the target account set, wherein the account information comprises at least one piece of preset biological characteristic information and an account number.
In a fourth aspect, an embodiment of the present invention further provides an account information grouping apparatus, including:
the device comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring at least two pieces of account information and a voice password corresponding to each piece of account information;
and the grouping unit is used for dividing each account information into at least two account sets according to at least one sound characteristic of each voice password.
The account information needing biological recognition is stored in groups according to the voice characteristics of the voice password, when payment is carried out, the target account set to which the account information of the user belongs can be determined by acquiring the voice password of the user, so that the account information matched with the biological characteristics of the user can be quickly found from the target account set, the operation process of biological characteristic matching is reduced, the operation speed is improved, and the payment mode does not need the user to carry a mobile terminal, so that the payment is more convenient.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.
Drawings
In order to more clearly illustrate the technical solution of the embodiment of the present invention, the drawings needed to be used in the embodiment will be briefly described below, and it is obvious to those skilled in the art that other drawings can be obtained according to the drawings without any creative effort.
Fig. 1 is a flowchart of a method for grouping account information according to an embodiment of the present invention;
fig. 2 is a flowchart of a payment method according to an embodiment of the present invention;
fig. 3 is a block diagram of an account information grouping apparatus according to an embodiment of the present invention;
fig. 4 is a block diagram of a payment device according to an embodiment of the present invention.
Detailed Description
In order to make the aforementioned objects, features and advantages of the present invention comprehensible, embodiments accompanied with figures are described in further detail below.
The embodiment of the invention can be applied to the scene of consumption and payment by utilizing the biological identification technology. The invention has the conception that the account information needing biological recognition is stored in groups according to the sound characteristics of the voice password, when payment is carried out, the target account set to which the account information of the user belongs can be determined by acquiring the voice password of the user, so that the account information matched with the biological characteristics of the user can be quickly found from the target account set, the operation process of biological characteristic matching is reduced, the operation speed is improved, and the payment mode does not need the user to carry a mobile terminal, so that the payment is more convenient.
The account information of each user may include an account identifier, an account password, and at least one preset biometric information. The preset biometric information includes voiceprint characteristics, fingerprint characteristics, iris characteristics, facial characteristics, and the like. When the biological recognition is carried out in the payment process, the recognition of more than two biological characteristics can be carried out simultaneously, and the normal payment can be carried out only if all the biological characteristics are successfully matched, so that the payment safety is improved.
The voice password in the invention can be the voice password of any voice content, such as "hello", "agrees to pay", "sesame opens the door", and the like. Through the analysis of the voice password, the gender of the user outputting the voice password, the age stage of the user, the dialect used by the user or the word corresponding to the voice password, etc. can be determined, so the voice characteristics of the voice password can include gender characteristics, age stage characteristics, dialect characteristics or word information.
Referring to fig. 1, a method for grouping account information according to an embodiment of the present invention may specifically include the following steps.
When registering a payment account, a user can input any voice password, and the voice password corresponding to each account information can be stored in the account information base.
And 102, dividing each account information into at least two account sets according to at least one sound characteristic of each voice password.
When the account information is grouped, each account information may be divided into a plurality of account sets according to one sound characteristic, for example, all the account information of which the text information of the voice password is "sesame open door" may be divided into the same account set. When the account information is grouped, each account information can be further divided into a plurality of account sets according to at least two sound characteristics, for example, when the account information is grouped according to a gender characteristic and a dialect characteristic, the dialect characteristic can be a Sichuan dialect, and all the account information with the gender characteristic of a male can be divided into the same account set.
Each account set may be divided according to the corresponding sound feature label (hereinafter referred to as "label"), for example, the account set is divided according to the gender feature, the label of the account set may be male or female, for example, each account set is divided according to the dialect feature and the gender feature, and the label of the account set may be set to, for example, "a dialect and gender male" labels.
In order to adapt to a larger amount of account information, the embodiment of the present invention may further divide the account information into a multi-level account set, and the specific process may be as follows: dividing each account information into at least two primary account sets according to a first sound characteristic of each voice password; judging whether a first account set with account information quantity larger than a first threshold exists or not, wherein the first account set is one of the primary account sets; and if so, dividing the account information in the first account set into at least two secondary account sets according to the second sound characteristic of the voice password corresponding to the account information in the first account set. The same may divide the account information into more levels of account sets.
For example, the account information is divided into at least two primary account sets according to dialect characteristics of the voice password, and the primary account sets are further divided into secondary account sets according to word information of the voice password. It should be noted that, when account information of the same level is grouped, the account information may also be divided according to multiple sound characteristics, and the embodiment of the present invention does not specifically limit the types of sound characteristics according to which account information of the same level is grouped.
After all the account information is grouped, the grouping information may be stored, and the grouping information may include the identifier of each account set and the affiliation between each account set. In the payment process, the target account set corresponding to the target voice password can be quickly determined by using the group information. The grouping information may also include a saved address for an account set without a subaccount set to enable quick finding of the target account set. The identifiers of the account sets in the grouping information may be sorted according to a preset rule, for example, sorted according to the first pinyin letters of the identifiers, so that the target account set is quickly found by using the dichotomy. In the account information base, all account sets of the same level can be sorted according to the identification of the account sets, and a target account set can be quickly found by utilizing a dichotomy.
The respective account sets may be stored in one or more servers, and when the respective account sets are stored in a plurality of servers, the process of storing the respective account sets in the plurality of servers may include: if the first server meets the deposit condition, a second account set is deposited into the first server, the deposit condition is that the sum of the account information quantity in the current server and the account information quantity in the second account set is smaller than a second threshold value, and the second account set is one of the at least two account sets; if the first server does not accord with the storage condition, judging whether the second server accords with the storage condition; and if the second server meets the storage condition, storing the second account set in the second server. Through the saving process, the number of the account information in each server can be controlled within a certain range, and the number of occupied servers can be reduced while the servers are guaranteed to have smooth running speed. It should be noted that the second account set may be an account set without a sub-account set, or may be an account set at a higher level, and the embodiment of the present invention does not limit the level of the second account set.
In a specific implementation, the payment times processed by each server in each unit time in a plurality of payment periods can be monitored in real time, and the payment times processed by each server is the sum of the payment times corresponding to all account information in each server. Then, the payment peak period corresponding to each server storing the account information in the payment cycle is determined according to the payment times processed by each server in each unit time, where the payment peak period may include one or more continuous unit times, and the payment peak period corresponding to each server may be the same or different, and this embodiment is not specifically limited herein. If the number of payments processed by a third server within the third server's peak payment period is greater than a preset number, any set of accounts in the third server may be transferred to a fourth server that has the lowest number of payments processed within the third server's peak payment period or to a server that does not hold account information, the third server being one of the servers. If the sum of the payment times processed by the fourth server and the payment times of the account set to be transferred in the payment peak period of the third server is greater than a preset number, the account set to be transferred can be transferred to a server without account information. The payment period may be one day, one week, one month, one quarter, or one year. The unit time may be n hours or n days, where n may be a natural number or an unnatural number. The storage positions of the account sets are dynamically planned according to the payment times of the servers in the payment peak period, and the servers can be effectively guaranteed to keep smooth operation speed all the time.
The account information needing biological recognition is stored in groups according to the voice characteristics of the voice password, when payment is carried out, the target account set to which the account information of the user belongs can be determined by acquiring the voice password of the user, so that the account information matched with the biological characteristics of the user can be quickly found from the target account set, the operation process of biological characteristic matching is reduced, the operation speed is improved, and the payment mode does not need the user to carry a mobile terminal, so that the payment is more convenient.
Referring to fig. 2, a payment method provided in an embodiment of the present invention may specifically include the following steps.
When a user pays, a voice password can be input into the payment system for determining the account set to which the account information of the user belongs. If the account set divided according to the word information of the voice password exists in the account set, the user needs to input the voice password with the content identical to that of the preset voice password so as to accurately determine the account set where the account information of the user is located, otherwise, the content of the voice password input by the user is not limited.
Each account set in the account information base may be an account set of the same level or an account set of different levels. When the account sets are account sets of the same level, the target account set corresponding to the voice password can be determined according to the identification of each account set. If the account sets are divided according to a sound characteristic, the identification of each account set can be marked by a sound characteristic, such as dialect a. If each account set is divided into two sound features, the identifier of each account set is marked by the two sound features, for example, the identifier can be set as "a dialect, gender male". When determining the target account set, the voice feature of the voice password may be determined first, and then the target account set may be determined according to the voice feature and the identifier of each account set.
When account sets of different levels are included in the account information base, the process of determining the target account set may include: determining a first sound characteristic of the voice password, wherein each primary account set in the account information base is divided according to the first sound characteristic; determining whether a first account set corresponding to a first sound feature of the voice password comprises a sub-account set, wherein the first account set is one of the primary account sets; if the first account set corresponding to the first sound characteristic of the voice password does not comprise a sub-account set, determining that the first account set is a target account set; if the first account set corresponding to the first sound feature of the voice password comprises a sub-account set, determining a second sound feature of the voice password, and dividing a secondary account set in the account information base according to the second sound feature; determining whether a second set of accounts corresponding to a second sound characteristic of the voice password comprises a sub-set of accounts, wherein the second set of accounts is one of the sub-sets of accounts comprised by the first set of accounts; and if the second account set corresponding to the second sound characteristic of the voice password does not comprise the sub-account set, determining that the second account set is a target account set.
In a specific implementation, all the sound characteristics required for determining the target account set may be obtained first, and then the target account set is determined according to each sound characteristic. It should be noted that each level of account set may also be divided according to at least two sound features, and when determining the account set corresponding to the voice password in each level of account set, at least two sound features corresponding to the level of account set may be determined first, and then the account set corresponding to the voice password is determined in the level of account set according to the at least two sound features. The process may refer to the process of determining a target account set described in the previous paragraph, and is not described herein again.
In order to quickly find the target account set corresponding to the voice password, a dichotomy may be used for the search, and the specific search process may include: determining account sets arranged in the middle position in the account information base, wherein each account set in the account information base is ordered according to at least one sound characteristic corresponding to each account set; and searching forwards or backwards from the account set ranked at the middle position according to the comparison between the at least one sound characteristic of the voice password and the at least one sound characteristic corresponding to the account set ranked at the middle position so as to determine a target account set corresponding to the voice password. When the account sets in the account information base are sorted according to at least two sound characteristics, the sorting priority of each sound characteristic can be set, thereby completing the sorting. The sound characteristics corresponding to each account set can be determined according to the identification of each account set, so that each account set in the account information base can be ordered according to the pinyin initial letters of the identification. When searching is carried out from the account set arranged in the middle position, whether the target account set is positioned in front of or behind the account set arranged in the middle position can be determined according to a preset sequencing rule, so that the target account set can be searched by traversing the identifiers of half of the account sets at most, the searching time can be saved, and the searching operation process can be reduced.
When the account information base includes account sets of different levels, and when an account set corresponding to the voice password is determined in each level of account set, the binary method may also be used for searching, and the specific process may refer to the process of searching by the binary method described in the previous section, which is not described herein again.
Each account information stores preset biometric information, for example, when the preset biometric information is a voiceprint feature and a face feature, a user voice and a face image need to be acquired, so that the voiceprint feature and the face feature of the user are acquired for matching with the preset biometric information.
The target account set may include a plurality of account information, and when searching for account information that matches with the at least one biometric information, the target account set may traverse each account information in the target account set, match each acquired biometric information with each preset biometric information in the traversed account information, respectively, and the search may be ended only if each biometric information matches successfully.
In order to reduce the number of matching operations of the whole account set, the account information matched with the at least one piece of biometric information may be searched from the account information arranged most in front in the target account set, and the account information in the target account set is sorted in the order from high to low according to the payment frequency corresponding to the account information.
In a specific implementation, the payment frequency corresponding to each account information may be a payment frequency in a payment period. Every time a payment period passes, the account information can be rearranged according to the payment frequency corresponding to the account information in the last payment period, so that the correct sequencing of the newly-added account information is ensured or the payment frequency is changed due to the change of the consumption habits of the user.
The account information needing biological recognition is stored in groups according to the voice characteristics of the voice password, when payment is carried out, the target account set to which the account information of the user belongs can be determined by acquiring the voice password of the user, so that the account information matched with the biological characteristics of the user can be quickly found from the target account set, the operation process of biological characteristic matching is reduced, the operation speed is improved, and the payment mode does not need the user to carry a mobile terminal, so that the payment is more convenient.
Referring to fig. 3, a block diagram of a structure of an account information grouping apparatus according to an embodiment of the present invention may specifically include an obtaining unit 301, a grouping unit 302, and a storing unit 303.
An obtaining unit 301, configured to obtain at least two pieces of account information and a voice password corresponding to each piece of account information.
A grouping unit 302, configured to divide each account information into at least two account sets according to at least one sound characteristic of each voice password.
A saving unit 303, configured to save the at least two account sets to at least one server.
Preferably, the grouping unit 302 may be specifically configured to:
dividing each account information into at least two primary account sets according to a first sound characteristic of each voice password;
judging whether a first account set with account information quantity larger than a first threshold exists or not, wherein the first account set is one of the primary account sets;
and if so, dividing the account information in the first account set into at least two secondary account sets according to the second sound characteristic of the voice password corresponding to the account information in the first account set.
Preferably, the saving unit 303 may be specifically configured to:
if the first server meets the deposit condition, a second account set is deposited into the first server, the deposit condition is that the sum of the account information quantity in the current server and the account information quantity in the second account set is smaller than a second threshold value, and the second account set is one of the at least two account sets;
if the first server does not accord with the storage condition, judging whether the second server accords with the storage condition;
and if the second server meets the storage condition, storing the second account set in the second server.
Preferably, the saving unit 303 may further include a determining subunit and a transferring subunit.
The determining subunit is configured to determine a payment peak period corresponding to each server holding account information in a payment cycle.
A transfer subunit, configured to, when the number of payments processed by a third server in the payment peak period of the third server is greater than a preset number, transfer any one of the account sets in the third server to a server in which the number of payments processed in the payment peak period of the third server is the lowest, the third server being one of the servers.
Referring to fig. 4, a block diagram of a payment apparatus according to an embodiment of the present invention may include a first obtaining unit 401, a determining unit 402, a second obtaining unit 403, and a searching unit 404.
The first obtaining unit 401 is configured to obtain a voice password of a user.
A determining unit 402, configured to determine, according to at least one sound feature of the voice password, a target account set corresponding to the voice password in an account information base, where the target account set is one of account sets included in the account information base, and each account set includes at least one piece of account information.
A second obtaining unit 403, configured to obtain at least one biometric information of the user.
A searching unit 404, configured to search, in the target account set, account information that matches the at least one piece of biometric information, where the account information includes at least one piece of preset biometric information and an account number.
Preferably, the determining unit 402 may be specifically configured to:
determining a first sound characteristic of the voice password, wherein each primary account set in the account information base is divided according to the first sound characteristic;
determining whether a first account set corresponding to a first sound feature of the voice password comprises a sub-account set, wherein the first account set is one of the primary account sets;
if the first account set corresponding to the first sound characteristic of the voice password does not comprise a sub-account set, determining that the first account set is a target account set;
if the first account set corresponding to the first sound feature of the voice password comprises a sub-account set, determining a second sound feature of the voice password, and dividing a secondary account set in the account information base according to the second sound feature;
determining whether a second set of accounts corresponding to a second sound characteristic of the voice password comprises a sub-set of accounts, wherein the second set of accounts is one of the sub-sets of accounts comprised by the first set of accounts;
and if the second account set corresponding to the second sound characteristic of the voice password does not comprise the sub-account set, determining that the second account set is a target account set.
Preferably, the searching unit 404 is specifically configured to search, from the account information arranged at the top in the target account set, the account information matched with the at least one piece of biometric information, where each piece of account information in the target account set is sorted according to the payment frequency corresponding to each piece of account information from high to low.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
The above-described embodiments of the apparatus are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
Through the above description of the embodiments, those skilled in the art will clearly understand that each embodiment can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware. With this understanding in mind, the above-described technical solutions may be embodied in the form of a software product, which can be stored in a computer-readable storage medium such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods described in the embodiments or some parts of the embodiments.
Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, but not to limit it; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.
Claims (4)
1. A payment method, comprising:
acquiring a voice password of a user;
determining a target account set corresponding to the voice password in an account information base according to at least one sound characteristic of the voice password, wherein the target account set is one of account sets included in the account information base, and each account set comprises at least one piece of account information;
acquiring at least one type of biological characteristic information of the user;
searching account information matched with the at least one type of biological characteristic information in the target account set, wherein the account information comprises at least one type of preset biological characteristic information and an account number;
the step of determining a target account set corresponding to the voice password in an account information base according to at least one sound characteristic of the voice password comprises the following steps:
determining a first sound characteristic of the voice password, wherein each primary account set in the account information base is divided according to the first sound characteristic;
determining whether a first account set corresponding to a first sound feature of the voice password comprises a sub-account set, wherein the first account set is one of the primary account sets;
if the first account set corresponding to the first sound characteristic of the voice password does not comprise a sub-account set, determining that the first account set is a target account set;
if the first account set corresponding to the first sound feature of the voice password comprises a sub-account set, determining a second sound feature of the voice password, and dividing a secondary account set in the account information base according to the second sound feature;
determining whether a second set of accounts corresponding to a second sound characteristic of the voice password comprises a sub-set of accounts, wherein the second set of accounts is one of the sub-sets of accounts comprised by the first set of accounts;
and if the second account set corresponding to the second sound characteristic of the voice password does not comprise the sub-account set, determining that the second account set is a target account set.
2. The method of claim 1, wherein the voice characteristics comprise gender characteristics, age stage characteristics, dialect characteristics, or textual information.
3. The method of claim 1, wherein the step of finding account information in the set of target accounts that matches the at least one biometric information comprises:
and searching account information matched with the at least one piece of biological characteristic information from the account information arranged at the top in the target account set, wherein the account information in the target account set is sorted according to the payment frequency corresponding to the account information from high to low.
4. A payment device, comprising:
a first acquisition unit for acquiring a voice password of a user;
a determining unit, configured to determine, according to at least one sound feature of the voice password, a target account set corresponding to the voice password in an account information base, where the target account set is one of account sets included in the account information base, and each account set includes at least one piece of account information;
a second acquisition unit configured to acquire at least one type of biometric information of the user;
the searching unit is used for searching account information matched with the at least one piece of biological characteristic information in the target account set, wherein the account information comprises at least one piece of preset biological characteristic information and an account number;
the step of determining a target account set corresponding to the voice password in an account information base according to at least one sound characteristic of the voice password comprises the following steps:
determining a first sound characteristic of the voice password, wherein each primary account set in the account information base is divided according to the first sound characteristic;
determining whether a first account set corresponding to a first sound feature of the voice password comprises a sub-account set, wherein the first account set is one of the primary account sets;
if the first account set corresponding to the first sound characteristic of the voice password does not comprise a sub-account set, determining that the first account set is a target account set;
if the first account set corresponding to the first sound feature of the voice password comprises a sub-account set, determining a second sound feature of the voice password, and dividing a secondary account set in the account information base according to the second sound feature;
determining whether a second set of accounts corresponding to a second sound characteristic of the voice password comprises a sub-set of accounts, wherein the second set of accounts is one of the sub-sets of accounts comprised by the first set of accounts;
and if the second account set corresponding to the second sound characteristic of the voice password does not comprise the sub-account set, determining that the second account set is a target account set.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810043115.7A CN110046898B (en) | 2018-01-17 | 2018-01-17 | Account information grouping method and device and payment method and device |
| PCT/CN2018/122341 WO2019141039A1 (en) | 2018-01-17 | 2018-12-20 | Account information grouping method and apparatus and payment method and device |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201810043115.7A CN110046898B (en) | 2018-01-17 | 2018-01-17 | Account information grouping method and device and payment method and device |
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| CN110046898A CN110046898A (en) | 2019-07-23 |
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| CN111312257A (en) * | 2019-12-16 | 2020-06-19 | 五八有限公司 | Multi-account identification method and device, electronic equipment and storage medium |
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| CN110046898A (en) | 2019-07-23 |
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