CN110163617B - Television shopping payment method supporting voiceprint-based - Google Patents
Television shopping payment method supporting voiceprint-based Download PDFInfo
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- CN110163617B CN110163617B CN201910459122.XA CN201910459122A CN110163617B CN 110163617 B CN110163617 B CN 110163617B CN 201910459122 A CN201910459122 A CN 201910459122A CN 110163617 B CN110163617 B CN 110163617B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q20/409—Device specific authentication in transaction processing
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
- H04N21/00—Selective content distribution, e.g. interactive television or video on demand [VOD]
- H04N21/40—Client devices specifically adapted for the reception of or interaction with content, e.g. set-top-box [STB]; Operations thereof
- H04N21/47—End-user applications
- H04N21/478—Supplemental services, e.g. displaying phone caller identification, shopping application
- H04N21/47815—Electronic shopping
Abstract
The invention discloses a television shopping payment method based on voiceprints, and belongs to the technical field of payment technology and AI voiceprint recognition. The method comprises the following steps: step S1: the method comprises the steps that a user firstly inputs user voice in advance by using a voice control function of the smart television, complete voiceprint training is carried out, voiceprint characteristic values of the user are extracted through voiceprint software processing, the voiceprint characteristic values are stored in a cloud voiceprint server through the smart television server, and a voiceprint characteristic library is established in the cloud voiceprint server; step S2: the cloud voiceprint server establishes a complete user information database of the user by using the voiceprint of the user, the television mac address of the user and personal information input by the user; and step S3: the user opens the voiceprint payment function; and step S4: the user makes an order and pays; step S5: and (5) voice print verification.
Description
Technical Field
The invention relates to the technical field of payment technology and AI voiceprint recognition, in particular to a voiceprint-based payment method, which is used on an intelligent television and is combined with the intelligent television to form a voiceprint-based television shopping payment method by utilizing the rapid development of the conventional software and hardware.
Background
With the popularization of 4G and the trial use of 5G, the support of network bandwidth enables the household appliances which have already realized intelligence to be functionally normalized. The intelligent television is also converted into a 4G network signal from a traditional broadcast and television digital signal. In addition, the performance-price ratio of the intelligent television system is improved as the performance-price ratio of an intelligent mobile phone, the performance and the space of the hardware are continuously improved by the aid of 512M,1G,2G … … G and the kernel 1 and 2 kernels … …. Therefore, the intelligent television is already a computer hung on a wall in the aspect of operation processing.
After the network foundation and hardware conditions are met, the development space of the smart television is wider, the traditional 1080P to 2K, the traditional 4K to the current 8K and the like are displayed, the control of the smart television is all-round, the control of the former remote controller to the later smart phone APP control to the current sound control through the remote controller, so that the development of the current AI can directly bypass the remote controller to shout the television through sound, and the basis of all the control is television networking, the rapid network transmission capability and the strong computing capability of a CPU (central processing unit) of the television.
Television shopping can not be considered for a long time, but the traditional television shopping is generally telephone shopping, bank card payment or one higher-level WeChat payment precious code scanning payment, and the like, and as for television program purchase, television charge payment and the like, the television is informed in a form of notification, and then the user line goes off the counter for payment, so that the television shopping cannot be matched with the development of the intelligent television and the improvement of the network.
Since smart tv has been developed to such an intelligent state, the aspect of tv payment is still a blank, and traditional fast payment, internet bank payment and even very popular payment treasure and WeChat payment now are still only on mobile phone or PC computer. That is because the television, although large on screen, is very powerful, even the network bandwidth is already sufficient to support all its needs. Why it is still the old way to stay more than a decade ago in paying for purchases. That is because the tv screen can not be touched and operated as a mobile phone or the tv remote controller can not be pressed as many keys as a computer keyboard (on the contrary, the number of buttons of the remote controller is less and less, and the status is weakened more and more). It is impossible to realize the payment like a mobile phone or a PC. However, the smart television also has unique characteristics and advantages of the smart television, and a television shopping payment mode based on voiceprints is proposed in the smart television by using the characteristics of the smart television, and the mode is not limited to shopping, payment and the like.
Disclosure of Invention
The invention aims to provide a television shopping payment method based on voiceprints, which solves the problem of difficulty in shopping operation on the traditional television, reduces the limitation of remote control board input by converting voice semantics into actual operation commands, extracts voiceprints from the voice acquired by registration, and establishes a user identity database. When the user pays, the user identity is authenticated and paid by voiceprint matching through random password voice acquisition, and the payment safety is guaranteed while the user experiences the simplicity and convenience in operation.
In order to achieve the purpose, the invention adopts the following technical scheme:
a TV shopping payment method supporting voiceprint based includes the following steps:
step S1: the method comprises the steps that a user firstly inputs user voice by utilizing a voice control function of the smart television in advance, complete training of voiceprints is carried out, voiceprint characteristic values of the user are extracted after being processed by voiceprint software, the voiceprint characteristic values are stored in a cloud voiceprint server through the smart television server, and a voiceprint characteristic library is built in the cloud voiceprint server;
step S2: the cloud voiceprint server establishes a complete user information database of the user by using the voiceprint of the user, the television mac address of the user and personal information input by the user;
and step S3: the user opens the voiceprint payment function;
and step S4: the user makes an order and pays;
step S5: and (5) voice print verification.
Further, in step S3, specifically:
step 301: the user selects and places orders of commodities or television programs through voice;
step 302: when ordering, the intelligent television server judges whether a voiceprint payment function is activated for the user;
step 303: if the voiceprint payment function is not opened, go to step 304;
step 304: binding a bank card, and inputting information of the bank card of the user by the user through a voice acquisition system of the smart television;
step 305: when the information of the user bank card is input, a voice acquisition system of the smart television acquires the voiceprint of the information of each user bank card input by the user, transmits the voiceprint to a voiceprint feature library through a smart television server, compares the voiceprint with the voiceprint in the voiceprint feature library to determine whether the voiceprint is consistent, if not, prompts that the user is not a uniform user, and the input fails, otherwise, the step 306 is carried out;
step 306: if the collected voiceprint of the input user bank card information is consistent with the voiceprint in the voiceprint feature library, opening a withholding function for the bank card information input by the user through a bank interface, and storing the payment certificate information returned by the bank, the voiceprint feature value and the personal information in the step S2 prestored in the voiceprint feature library so as to be matched and acquired through the voiceprint feature value at the later time;
step 307: and informing the user of successful payment opening.
Further, in step S4, specifically:
step 401: a user submits an order through a television;
step 402: entering a payment confirmation page to perform secondary confirmation of the amount and the purchase details, and submitting the confirmation through an Ok key of the intelligent television;
step 403: inputting a password, and enabling a payment user to read within a specified time according to numbers or letters randomly displayed on a screen;
step 404: after the voice acquisition system of the intelligent television acquires the reading voice of the user, the voice acquisition system transmits the reading voice to the voiceprint server at the cloud end for conversion.
Further, in step S5, specifically:
step 501: after the voice acquisition system of the smart television acquires the voice of the numbers or letters randomly displayed on the screen in the step 403, the voice is transmitted to a voiceprint server at the cloud end through the smart television server, and the voice is converted into a voiceprint characteristic value and returned to the smart television server;
step 502: the intelligent television server extracts the converted voiceprint characteristic value and the payment amount in the order information of the user, and transmits the voiceprint characteristic value and the payment amount to the payment platform through an order placing interface of the payment platform;
step 503: the payment platform transmits the acquired voiceprint characteristic value to the voiceprint server again to acquire the payment information of the user;
step 504: and sending the user payment information and the payment amount acquired in the step 503 to a bank according to the requirement of a bank interface to complete the payment function.
Compared with the prior art, the invention has the following beneficial effects:
the invention solves the problem of difficult shopping operation on the traditional television, reduces the limitation of remote control board input by converting voice semantics into actual operation commands, and simultaneously carries out voiceprint extraction on the voice acquired by registration and establishes the user identity database. When the user pays, the user identity is authenticated and paid by voiceprint matching through random password voice acquisition, and the payment safety is guaranteed while the user experiences the simplicity and convenience in operation.
Drawings
FIG. 1 is a flow chart of a method of the present invention for supporting voiceprint based TV shopping payments;
FIG. 2 is a flowchart of step S3 of a payment method for TV shopping based on voiceprint of the present invention;
fig. 3 is a flowchart of step S4 of a payment method for supporting voiceprint-based tv shopping according to the present invention.
Detailed Description
The present invention will be further described with reference to the following examples, which are intended to illustrate only some, but not all, of the embodiments of the present invention. Based on the embodiments of the present invention, other embodiments used by those skilled in the art without any creative effort belong to the protection scope of the present invention.
Example 1
As shown in fig. 1-3, a payment method for supporting voiceprint-based tv shopping comprises the following steps:
step S1: the user firstly uses the voice control function of the smart television to pre-input the user voice to carry out the complete training of the voiceprint (just like a mobile phone for identifying the voiceprint in life, the user logs in the own fingerprint for many times according to the prompt). The voiceprint feature value of the user is extracted through processing of voiceprint software, the voiceprint feature value is stored in a cloud voiceprint server through an intelligent television server, and a voiceprint feature library is established in the cloud voiceprint server;
step S2: the cloud voiceprint server establishes a complete user information database of the user by using the voiceprint of the user, the television mac address of the user and personal information input by the user, wherein the personal information is matched with the input voiceprint;
and step S3: the user opens the voiceprint payment function; the method specifically comprises the following steps:
step 301: the user selects and places orders of commodities or television programs through voice;
step 302: when ordering, the intelligent television server judges whether the voiceprint payment function is activated or not for the user;
step 303: if the voiceprint payment function is not opened, go to step 304;
step 304: binding a bank card, and inputting information of the bank card of the user by the user through a voice acquisition system of the smart television; the information of the bank card of the user comprises a card number, a user name, an identity card, a mobile phone number of the bank card, a short message verification code and the like.
Step 305: when the information of the user bank card is input, the voice acquisition system of the smart television acquires the voiceprint of the information of each user bank card input by the user, transmits the voiceprint to the voiceprint feature library through the smart television server, compares the voiceprint with the voiceprint in the voiceprint feature library to determine whether the voiceprint is consistent, prompts that the user is not a uniform user if the voiceprint is inconsistent, and if not, enters step 306;
step 306: if the collected voiceprint of the user bank card information input is consistent with the voiceprint in the voiceprint feature library, opening a withholding function for the bank card information input by the user through a bank interface, and storing the payment voucher information returned by the bank, the voiceprint feature value and the personal information in the step S2 prestored in the voiceprint feature library so as to be matched and obtained through the voiceprint feature value later;
step 307: and informing the user of successful payment opening.
And step S4: the user makes an order and pays; the method specifically comprises the following steps:
step 401: a user submits an order through a television;
step 402: entering a payment confirmation page to perform secondary confirmation of the amount and the purchase details, and submitting the confirmation through an Ok key of the intelligent television;
step 403: password input, in the traditional payment, the password is required to be input when the payment is confirmed, and the password is not required to be input in voiceprint payment, but the payment user can read the password within the set time according to the numbers or letters randomly displayed on a screen during the payment; the random display of numbers or letters is adopted, and the reason for reading by a user is that a lawless person is worried about, the sound of a payment user is input in advance through sound input equipment, and then the sound is played during payment.
Step 404: after the voice acquisition system of the intelligent television acquires the reading voice of the user, the voice acquisition system transmits the reading voice to the voiceprint server at the cloud end for conversion.
Step S5: voiceprint verification, specifically:
step 501: after the voice acquisition system of the smart television acquires the voice of the numbers or letters randomly displayed on the screen in the step 403, the voice is transmitted to a voiceprint server at the cloud end through the smart television server, and the voice is converted into a voiceprint characteristic value and returned to the smart television server;
step 502: the intelligent television server extracts the converted voiceprint characteristic value and the payment amount in the order information of the user, and transmits the voiceprint characteristic value and the payment amount to the payment platform through an order placing interface of the payment platform;
step 503: the payment platform transmits the acquired voiceprint characteristic value to the voiceprint server again to acquire the payment information of the user;
step 504: and sending the user payment information and the payment amount acquired in the step 503 to a bank according to the requirement of a bank interface to complete the payment function.
The smart television generally can interact with the smart phone, and controls the television through the smart phone, and the general method is to pre-install APP/WeChat public numbers/applets and the like in the smart phone, or control the television through a local area network or the Internet. Therefore, the payment function can be connected in the application (app, public number and applet), wherein the payment function can be the payment of a traditional bank through a quick bound card, and can also be the payment of an internet third party, such as a payment treasure or a WeChat payment. But the payment must open a small amount of secret-free payment function.
The cloud voiceprint server can not only realize that the mobile phone controls a message transfer station of the television, but also can realize that the mobile phone controls a payment channel server of the television and a payment channel (bank or third-party payment). And a payment channel needs to be connected in the cloud voiceprint server, and meanwhile, information of the user and the corresponding television equipment also needs to be stored.
The third-party service required to be used by the invention comprises (1) a voiceprint recognition algorithm server which has the functions of user voice feature extraction, voiceprint model training and voiceprint storage and corresponding voiceprint accurate matching of a plurality of users; (2) A payment channel service function server of a payment channel needs to be docked, because most companies have own payment platforms, or third party payment license plates, or banks are handed in for fund escrow and clearing, and only package each channel as a platform middleware server of a payment channel; (3) The intelligent television server stores relevant registration information of the intelligent television, can perform a real-time communication function with the intelligent television, and forwards a control instruction of the intelligent mobile phone to the intelligent television; (4) The other third-party servers comprise an account server for uniformly managing the user, a short message gateway server identified by the user and the like; and (5) the intelligent television must have a voice control function. Therefore, different service functions are independent of each other, the functions are decoupled, and the iteration is not influenced by each other.
Security aspects, which are particularly important because of the payment involved. And the communication between the television/mobile phone and the smart television server is subjected to authority verification through a token, the smart television server and the payment channel service are encrypted through an asymmetric key, and APPID and secret _ key are issued to perform communication security verification. The communication between the payment channel server and the channel is carried out according to the payment requirements of a bank or a third party.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents and improvements made within the spirit and principle of the present invention are intended to be included within the scope of the present invention.
Claims (2)
1. A television shopping payment method supporting voiceprint-based is characterized in that: the method comprises the following steps:
step S1: the method comprises the steps that a user firstly inputs user voice by utilizing a voice control function of the smart television in advance, complete training of voiceprints is carried out, voiceprint characteristic values of the user are extracted after being processed by voiceprint software, the voiceprint characteristic values are stored in a cloud voiceprint server through the smart television server, and a voiceprint characteristic library is built in the cloud voiceprint server;
step S2: the cloud voiceprint server establishes a complete user information database of the user by using the voiceprint of the user, the television mac address of the user and personal information input by the user;
and step S3: the user opens the voiceprint payment function;
and step S4: the user makes an order and pays;
step S5: voice print verification;
in the step S3, the method specifically includes:
step 301: the user selects and places orders of commodities or television programs through voice;
step 302: when ordering, the intelligent television server judges whether the voiceprint payment function is activated or not for the user;
step 303: if the voiceprint payment function is not opened, go to step 304;
step 304: binding a bank card, and recording information of the bank card of the user by using a voice acquisition system of the smart television by the user;
step 305: when the information of the user bank card is input, a voice acquisition system of the smart television acquires the voiceprint of the information of each user bank card input by the user, transmits the voiceprint to a voiceprint feature library through a smart television server, compares the voiceprint with the voiceprint in the voiceprint feature library to determine whether the voiceprint is consistent, if not, prompts that the user is not a uniform user, and the input fails, otherwise, the step 306 is carried out;
step 306: if the collected voiceprint of the input user bank card information is consistent with the voiceprint in the voiceprint feature library, opening a withholding function for the bank card information input by the user through a bank interface, and storing the payment certificate information returned by the bank, the voiceprint feature value and the personal information in the step S2 prestored in the voiceprint feature library so as to be matched and acquired through the voiceprint feature value at the later time;
step 307: informing the user of successful payment opening;
in the step S5, the method specifically includes:
step 501: after the voice acquisition system of the smart television acquires the voice of the numbers or letters randomly displayed on the screen in the step 403, the voice is transmitted to a voiceprint server at the cloud end through the smart television server, and the voice is converted into a voiceprint characteristic value and returned to the smart television server;
step 502: the intelligent television server extracts the converted voiceprint characteristic value and the payment amount in the order information of the user, and transmits the voiceprint characteristic value and the payment amount to the payment platform through an order placing interface of the payment platform;
step 503: the payment platform transmits the acquired voiceprint characteristic value to the voiceprint server again to acquire the payment information of the user;
step 504: and sending the user payment information and the payment amount obtained in the step 503 to a bank according to the requirements of a bank interface to complete a payment function.
2. The voice-print based tv shopping payment method as claimed in claim 1, wherein: in the step S4, the method specifically includes:
step 401: a user submits an order through a television;
step 402: entering a payment confirmation page to perform secondary confirmation of the amount and the purchase details, and submitting the confirmation through an Ok key of the intelligent television;
step 403: inputting a password, and enabling a payment user to read within a specified time according to numbers or letters randomly displayed on a screen;
step 404: after the voice acquisition system of the intelligent television acquires the reading voice of the user, the voice acquisition system transmits the reading voice to the voiceprint server at the cloud end for conversion.
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| CN110691265B (en) * | 2019-10-10 | 2021-04-20 | 四川虹微技术有限公司 | Television payment method and system based on voiceprint recognition |
| CN110753254A (en) * | 2019-10-30 | 2020-02-04 | 四川长虹电器股份有限公司 | Voiceprint registration method applied to voiceprint payment of intelligent voice television |
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