CN110400151A - Voice payment method, apparatus, calculating equipment and medium applied to server - Google Patents
Voice payment method, apparatus, calculating equipment and medium applied to server Download PDFInfo
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- CN110400151A CN110400151A CN201910693577.8A CN201910693577A CN110400151A CN 110400151 A CN110400151 A CN 110400151A CN 201910693577 A CN201910693577 A CN 201910693577A CN 110400151 A CN110400151 A CN 110400151A
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- Prior art keywords
- payment
- voice
- default
- terminal
- request
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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
Abstract
Present disclose provides a kind of voice payment methods applied to server, it include: to receive the payment request from intelligent sound box, the payment request includes the device identification of the intelligent sound box, associated terminal iidentification is determined based on the device identification, verification information is generated based on the payment request, and the verification information is sent to target terminal corresponding with the terminal iidentification, receive the payment voice from the target terminal, the payment voice includes the user speech of the target terminal acquisition, the user speech is the voice that user generates according to the verification information, it is default voice in response to the payment voice, it completes to pay based on the payment request.The disclosure additionally provides a kind of voice payment device, calculates equipment, medium.
Description
Technical field
This disclosure relates to field of computer technology, more particularly to a kind of applied to the voice payment method of server, language
Sound payment mechanism calculates equipment and computer readable storage medium.
Background technique
With the rapid development of intelligent sound box technology, the function of intelligent sound box is more and more diversified.In the related art, intelligence
Energy speaker provides voice payment function, greatly improves the shopping experience of user.For example, user can open intelligence by voice
The voice payment function of speaker, and payment card number is bound, while reserved voucher of the voice payment password as continuation payment.
Although voice payment function provided by intelligent sound box brings good shopping experience to user, if the voice of user
It is recorded by other people or the daily voice of user is stolen by the people of malice and carried out editing and forms payment speech cipher, then cause
The safety of payment is on the hazard.
Summary of the invention
An aspect of this disclosure provides a kind of voice payment method applied to server, comprising: receives and comes from intelligence
The payment request of energy speaker, the payment request includes the device identification of the intelligent sound box, is determined based on the device identification
Associated terminal iidentification generates verification information based on the payment request, and the verification information is sent to and the end
End identifies corresponding target terminal, receives the payment voice from the target terminal, the payment voice includes the target
The user speech of terminal acquisition, the user speech is the voice that user generates according to the verification information, in response to the branch
Paying voice is default voice, completes payment based on the payment request.
Optionally, the above method further include: receive the default voice and registration request from the intelligent sound box, institute
Stating registration request includes communication identifier, wherein the communication identifier is associated with the terminal iidentification, is based on the communication identifier
It determines the terminal iidentification, and sends operating instruction to target terminal corresponding with the terminal iidentification, to indicate the target
Terminal operating application-specific receives the registration information that the user sends via the application-specific, wherein described
Registration information includes payment account, associatedly stores the default voice and the payment account.
Optionally, above-mentioned registration request further includes the device identification of the intelligent sound box, is preset described in the associated storage
Voice and the payment account, comprising: obtain the terminal iidentification of the target terminal, voice, described is preset described in associated storage
Payment account, the device identification and the terminal iidentification.
Optionally, above-mentioned payment request includes target amount；Described in response to the payment voice is default voice, is based on
The payment request completes payment, comprising: in response to the payment voice is the default voice, from the payment account transfer
The fund for meeting the target amount is moved to complete to pay.
Optionally, above-mentioned that the terminal iidentification is determined based on the communication identifier, and to corresponding with the terminal iidentification
Target terminal sends operating instruction, comprising: determines whether the communication identifier is default communication identifier, determines the terminal iidentification
It whether is default terminal iidentification, in response to the communication identifier be the default communication identifier and the terminal iidentification is described pre-
If terminal iidentification, operating instruction is sent to target terminal corresponding with the terminal iidentification.
Optionally, it is above-mentioned based on the payment request generate verification information, and by the verification information be sent to it is described
The corresponding target terminal of terminal iidentification, comprising: the default voice is obtained based on the payment request, is based on the default voice
The verification information is generated, and the verification information is sent to target terminal corresponding with the terminal iidentification.
Optionally, it is above-mentioned in response to the payment voice be the default voice, from the payment account shift meet
The fund of the target amount is to complete to pay, comprising: in response to the payment voice to preset voice, determines the target volume
Whether degree is greater than default amount, is greater than default amount in response to the determination target amount, Xiang Suoshu target terminal sends auxiliary
Checking request, the auxiliary checking request include at least one of face verification request and identifying code checking request, receive and
It is default feedback data in response to the feedback data, from the payment account transfer from the feedback data of the target terminal
The fund for meeting the target amount is moved to complete to pay.
Another aspect of the disclosure provides a kind of voice payment device, comprising: the first receiving module, determining module,
First sending module, the second receiving module and payment module.Wherein, the first receiving module receives the payment from intelligent sound box
Request, the payment request include the device identification of the intelligent sound box, and determining module is determined related based on the device identification
The terminal iidentification of connection, the first sending module is based on the payment request and generates verification information, and the verification information is sent to
Target terminal corresponding with the terminal iidentification, the second receiving module receives the payment voice from the target terminal, described
Payment voice includes the user speech of the target terminal acquisition, and the user speech is that user generates according to the verification information
Voice, payment module is default voice in response to the payment voice, completes payment based on the payment request.
Optionally, above-mentioned apparatus further include: third receiving module, the second sending module, the 4th receiving module and storage
Module.Wherein, the default voice and registration request, the registration of the third receiving module reception from the intelligent sound box are asked
It asks including communication identifier, wherein the communication identifier is associated with the terminal iidentification, and the second sending module is based on the communication
Mark determines the terminal iidentification, and sends operating instruction to target terminal corresponding with the terminal iidentification, described in instruction
Target terminal runs application-specific, and the 4th receiving module receives the note that the user sends via the application-specific
Volume information, wherein the registration information includes payment account, and memory module associatedly stores the default voice and the payment
Account.
Optionally, above-mentioned registration request further includes the device identification of the intelligent sound box, is preset described in the associated storage
Voice and the payment account, comprising: obtain the terminal iidentification of the target terminal, voice, described is preset described in associated storage
Payment account, the device identification and the terminal iidentification.
Optionally, above-mentioned payment request includes target amount；The payment module is used for: being in response to the payment voice
The default voice, transfer meets the fund of the target amount to complete to pay from the payment account.
Optionally, above-mentioned second sending module includes: second to determine that submodule, third determine submodule and second send
Submodule.Wherein, second determine that submodule determines whether the communication identifier is default communication identifier, third determines that submodule is true
Whether the fixed terminal iidentification is default terminal iidentification, and the second sending submodule is described default logical in response to the communication identifier
Beacon is known and the terminal iidentification is the default terminal iidentification, sends and runs to target terminal corresponding with the terminal iidentification
Instruction.
Optionally, it is above-mentioned based on the payment request generate verification information, and by the verification information be sent to it is described
The corresponding target terminal of terminal iidentification, comprising: the default voice is obtained based on the payment request, is based on the default voice
The verification information is generated, and the verification information is sent to target terminal corresponding with the terminal iidentification.
Optionally, above-mentioned payment module include: first determine submodule, the first sending submodule, receiving submodule and
Shift submodule.Wherein, first determine that submodule, to preset voice, determines that the target amount is in response to the payment voice
No to be greater than default amount, the first sending submodule is greater than default amount in response to the determination target amount, and Xiang Suoshu target is whole
End sends auxiliary checking request, and the auxiliary checking request includes at least one in face verification request and identifying code checking request
A, receiving submodule receives the feedback data from the target terminal, is default feedback data in response to the feedback data,
Transfer submodule shifts the fund for meeting the target amount from the payment account to complete to pay.
Another aspect of the present disclosure provides a kind of calculating equipment, comprising: one or more processors；Memory is used for
Store one or more programs, wherein when one or more of programs are executed by one or more of processors, so that
One or more of processors realize method as described above.
Another aspect of the present disclosure provides a kind of non-volatile readable storage medium, is stored with the executable finger of computer
It enables, described instruction is when executed for realizing method as described above.
Another aspect of the present disclosure provides a kind of computer program, and the computer program, which includes that computer is executable, to be referred to
It enables, described instruction is when executed for realizing method as described above.
Detailed description of the invention
In order to which the disclosure and its advantage is more fully understood, referring now to being described below in conjunction with attached drawing, in which:
Fig. 1 diagrammatically illustrates the voice payment method and voice payment applied to server according to the embodiment of the present disclosure
The application scenarios of device；
Fig. 2 diagrammatically illustrates the flow chart of the voice payment method applied to server according to the embodiment of the present disclosure；
Fig. 3 diagrammatically illustrates the flow chart of the payment process according to the embodiment of the present disclosure；
Fig. 4 diagrammatically illustrates the process of the voice payment method applied to server according to another embodiment of the disclosure
Figure；
Fig. 5 diagrammatically illustrates the flow chart of the transmission operating instruction according to the embodiment of the present disclosure；
Fig. 6 diagrammatically illustrates a kind of exemplary voice payment system schematic diagram according to the embodiment of the present disclosure；
Fig. 7 diagrammatically illustrates the block diagram of the voice payment device according to the embodiment of the present disclosure；
Fig. 8 diagrammatically illustrates the block diagram of the payment module according to the embodiment of the present disclosure；
Fig. 9 diagrammatically illustrates the block diagram of the voice payment device according to the embodiment of the present disclosure；
Figure 10 diagrammatically illustrates the block diagram of the second sending module according to the embodiment of the present disclosure；And
Figure 11 diagrammatically illustrates the block diagram of the computer system of the voice payment according to the embodiment of the present disclosure.
Specific embodiment
Hereinafter, will be described with reference to the accompanying drawings embodiment of the disclosure.However, it should be understood that these descriptions are only exemplary
, and it is not intended to limit the scope of the present disclosure.In the following detailed description, to elaborate many specific thin convenient for explaining
Section is to provide the comprehensive understanding to the embodiment of the present disclosure.It may be evident, however, that one or more embodiments are not having these specific thin
It can also be carried out in the case where section.In addition, in the following description, descriptions of well-known structures and technologies are omitted, to avoid
Unnecessarily obscure the concept of the disclosure.
Term as used herein is not intended to limit the disclosure just for the sake of description specific embodiment.It uses herein
The terms "include", "comprise" etc. show the presence of the feature, step, operation and/or component, but it is not excluded that in the presence of
Or add other one or more features, step, operation or component.
There are all terms (including technical and scientific term) as used herein those skilled in the art to be generally understood
Meaning, unless otherwise defined.It should be noted that term used herein should be interpreted that with consistent with the context of this specification
Meaning, without that should be explained with idealization or excessively mechanical mode.
It, in general should be according to this using statement as " at least one in A, B and C etc. " is similar to
Field technical staff is generally understood the meaning of the statement to make an explanation (for example, " system at least one in A, B and C "
Should include but is not limited to individually with A, individually with B, individually with C, with A and B, with A and C, have B and C, and/or
System etc. with A, B, C).Using statement as " at least one in A, B or C etc. " is similar to, generally come
Saying be generally understood the meaning of the statement according to those skilled in the art to make an explanation (for example, " having in A, B or C at least
One system " should include but is not limited to individually with A, individually with B, individually with C, with A and B, have A and C, have
B and C, and/or the system with A, B, C etc.).
Shown in the drawings of some block diagrams and/or flow chart.It should be understood that some sides in block diagram and/or flow chart
Frame or combinations thereof can be realized by computer program instructions.These computer program instructions can be supplied to general purpose computer,
The processor of special purpose computer or other programmable control units, so that these instructions can create when executed by this processor
For realizing function/operation device illustrated in these block diagrams and/or flow chart.
Therefore, the technology of the disclosure can be realized in the form of hardware and/or software (including firmware, microcode etc.).Separately
Outside, the technology of the disclosure can take the form of the computer program product on the computer-readable medium for being stored with instruction, should
Computer program product uses for instruction execution system or instruction execution system is combined to use.In the context of the disclosure
In, computer-readable medium, which can be, can include, store, transmitting, propagating or transmitting the arbitrary medium of instruction.For example, calculating
Machine readable medium can include but is not limited to electricity, magnetic, optical, electromagnetic, infrared or semiconductor system, device, device or propagation medium.
The specific example of computer-readable medium includes: magnetic memory apparatus, such as tape or hard disk (HDD)；Light storage device, such as CD
(CD-ROM)；Memory, such as random access memory (RAM) or flash memory；And/or wire/wireless communication link.
Embodiment of the disclosure provides a kind of voice payment method applied to server, comprising: receives from intelligence
The payment request of speaker, payment request include the device identification of intelligent sound box, determine associated terminal mark based on device identification
Know, verification information is generated based on payment request, and verification information is sent to target terminal corresponding with terminal iidentification, receive and
From the payment voice of target terminal, the user speech that voice includes target terminal acquisition is paid, user speech is user according to testing
The voice that information generates is demonstrate,proved, is default voice in response to payment voice, payment is completed based on payment request.
Fig. 1 diagrammatically illustrates the voice payment method and voice payment applied to server according to the embodiment of the present disclosure
The application scenarios of device.It should be noted that being only the example that can apply the scene of the embodiment of the present disclosure shown in Fig. 1, with side
The technology contents those skilled in the art understand that disclosure are helped, but are not meant to that the embodiment of the present disclosure may not be usable for other and set
Standby, system, environment or scene.
As shown in Figure 1, the application scenarios 100 for example may include server 110, intelligent sound box 120 and target terminal
130。
According to the embodiment of the present disclosure, intelligent sound box 120 is for example with shopping function, and the intelligent sound box 120 can be tied up
The terminal that sets the goal 130.Wherein, target terminal 130 for example can be mobile phone, computer etc..The target terminal is for example with corresponding
Application program, such as can be realized payment function with bank APP, bank APP.Wherein, server 110 for example can be
The server of application program provider, for example, server 110 can be bank server when application program is bank APP.
When user is done shopping by intelligent sound box 120, intelligent sound box 120 can be operated based on the shopping of user and be generated
Payment request, which can be sent to server 110 by intelligent sound box 120, then ask the payment via server 110
It asks and is sent in target terminal 130, target terminal 130 receives the bank after payment request in 130 end of wake up target terminal
APP, user can carry out voice payment by the bank APP in target terminal 130.
Below with reference to Fig. 1 application scenarios, the voice according to disclosure illustrative embodiments is described with reference to Fig. 2~Fig. 6
Method of payment.It should be noted that above-mentioned application scenarios are merely for convenience of understanding the spirit of the disclosure and principle and showing, this
Disclosed embodiment is unrestricted in this regard.On the contrary, embodiment of the present disclosure can be applied to it is applicable any
Scene.
Fig. 2 diagrammatically illustrates the flow chart of the voice payment method applied to server according to the embodiment of the present disclosure.
As shown in Fig. 2, this method is applied to server, this method includes operation S210~S250.
In operation S210, the payment request from intelligent sound box is received, payment request includes the device identification of intelligent sound box.
According to the embodiment of the present disclosure, user can be done shopping by intelligent sound box, when user is carried out by intelligent sound box
When shopping, user can initiate payment request, the equipment mark for example including intelligent sound box in the payment request by intelligent sound box
Know, the device identification is for uniquely indicating the intelligent sound box.
In operation S220, associated terminal iidentification is determined based on device identification.
According to the embodiment of the present disclosure, such as associatedly storage device identification and terminal iidentification, the terminal iidentification in server
For example, for uniquely indicating the mark of target terminal.Wherein, server is when receiving the payment request including device identification,
The terminal iidentification with device identification associated storage can be determined based on device identification.
In operation S230, verification information is generated based on payment request, and verification information is sent to corresponding with terminal iidentification
Target terminal.
In operation S240, the payment voice from target terminal is received, payment voice includes the user of target terminal acquisition
Voice, user speech are the voice that user generates according to verification information.
In the embodiments of the present disclosure, server can generate verification information based on payment request, which for example may be used
To be voice messaging, and the verification information is sent in target terminal.After target terminal receives verification information, it can call out
Bank APP in awake target terminal, the bank APP after starting can acquire the payment voice that user speech is used as, thereafter, target
Terminal can be by payment voice feedback to server.
Wherein, after the payment voice that server receives that target terminal is fed back, server can will payment voice with
Default voice is compared, to determine whether payment voice is correct.For example, default voice can be server use gathered in advance
Family voice, the default voice can be used as evidence for payment.
In operation S250, it is default voice in response to payment voice, payment is completed based on payment request.
According to the embodiment of the present disclosure, if payment voice is default voice, then it represents that be verified.After being verified, clothes
The payment request that business device can respond intelligent sound box completes payment.
According to the embodiment of the present disclosure, operating S230 further comprises: obtaining default voice based on payment request, and based on pre-
If speech production verification information, and verification information is sent to target terminal corresponding with terminal iidentification.
For example, the default language of user A is stored in advance in server so that user A initiates payment request by intelligent sound box as an example
Sound, such as default voice are user speech " 123456 ", and the default voice is for example associated with intelligent sound box, such as the default language
Sound " 123456 " is acquired by intelligent sound box, and is sent to server and is stored.When server receives the branch of intelligent sound box
After paying request, since the payment request is also associated with intelligent sound box (with the device identification of intelligent sound box in payment request),
Therefore, server can obtain pre-stored default voice " 123456 " based on payment request, and raw based on the default voice
At verification information, which for example may be voice, such as the verification information is voice " please read 123456 ".
Thereafter, verification information " please read 123456 " can be sent in target terminal and wake up target terminal by server
Bank APP, bank APP can be played verification information " please read 123456 ", and user receives the verification information of bank APP broadcasting
After " please read 123456 ", user can read payment voice " 123456 " according to the prompt of verification information " please read 123456 ",
The payment voice " 123456 " that bank APP acquisition user is read, and the payment voice " 123456 " is fed back into server, it services
Device comparison payment voice " 123456 " and default voice " 123456 " obtain comparing result, which is, for example, to pay voice
" 123456 " are consistent with default voice " 123456 ", and pay the voiceprint and default voice of voice " 123456 "
The voiceprint of " 123456 " is consistent, indicates that payment voice " 123456 " is the voice of user A, server responds intelligent sound at this time
The payment request of case completes payment.
The embodiment of the present disclosure initiates payment request by intelligent sound box, and the payment voice of user is acquired by target terminal
To complete payment verification, realizes and pay initiator and the separation of payment verification side, realize when the payment voice of user is stolen, only
It cannot complete to pay by intelligent sound box and the payment voice stolen, reduce a possibility that malice is paid, greatly ensure that logical
Cross the safety of fund during intelligent sound box is done shopping.
Fig. 3 diagrammatically illustrates the flow chart of the payment process according to the embodiment of the present disclosure.
As shown in figure 3, it is default voice that operation S250, which further comprises in response to payment voice, shifted from payment account
Meet the fund of target amount to complete to pay.Specifically, operation S250 includes operation S251~S254.
In operation S251, it is default voice in response to payment voice, determines whether target amount is greater than default amount.
It,, can be further before execution is withholdd if payment voice is consistent with default voice according to the embodiment of the present disclosure
It determines the target amount in payment request, if target amount is greater than default amount, indicates that the transaction is block trade, then need
Reinforce security level.In other words, it when transaction is block trade, for safety of guaranteeing payment, needs additionally to verify by other
Mode carries out transaction verification.
In operation S252, in response to determining that target amount is greater than default amount, auxiliary checking request is sent to target terminal,
Auxiliary checking request includes at least one of face verification request and identifying code checking request.
In operation S253, the feedback data from target terminal is received.
For example, face verification or verifying can be passed through if the target amount in payment request is greater than default amount
The modes such as code verifying verify the transaction.Specifically, such as server can send face verification request, mesh to target terminal
After mark terminal receives face verification request, the face data for acquiring user is sent to server as feedback data, convenient for clothes
Business device determines whether the face of user is correct based on feedback data.Alternatively, it includes testing that server can also be sent to target terminal
The short message for demonstrate,proving code after target terminal receives short message, obtains identifying code that user input based on short message as feedback data, and general
The identifying code of user's input feeds back to server, and whether the identifying code convenient for server authentication user input is correct.
It is default feedback data in response to feedback data, transfer meets target amount from payment account in operation S254
Fund to complete to pay.
If the face data of user is the pre-stored user's face data of server, then it represents that by verifying, or
If the identifying code of user's input is that server is stored in advance and is sent to the identifying code of target terminal, then it represents that pass through verifying.
If by verifying, server can take off the fund of target amount from the payment account of user.Wherein, the payment of user
Account is, for example, the payment account bound when user opens voice payment function by intelligent sound box.Wherein, payment account is tied up
Determine process for example to describe with reference to Fig. 4 as follows.
Fig. 4 diagrammatically illustrates the process of the voice payment method applied to server according to another embodiment of the disclosure
Figure.
As shown in figure 4, this method be applied to server, this method include operation S210~S250 and operation S410~
S440.Wherein, the operation that operation S210~S250 is described on reference to Fig. 2 is same or like, and details are not described herein.The operation
S410~S440 is, for example, to pay binding procedure, description specific as follows.
In operation S410, default voice and registration request from intelligent sound box are received, registration request includes communication identifier,
Wherein, communication identifier is associated with terminal iidentification.
According to the embodiment of the present disclosure, before being paid using intelligent sound box, need to be paid by intelligent sound box
Bindings.For example, intelligent sound box can acquire the default voice and registration request of user, it include communication mark in the registration request
Know.Wherein, when target terminal is mobile phone, communication identifier is, for example, phone number, the terminal of the phone number and target terminal
Mark associatedly stores in the server in advance.
In operation S420, terminal iidentification is determined based on communication identifier, and send to target terminal corresponding with terminal iidentification
Operating instruction, to indicate that target terminal runs application-specific.
According to the embodiment of the present disclosure, application-specific for example can be the bank APP in target terminal.For example, when clothes
After business device receives the registration request of intelligent sound box, it can determine to close with communication identifier based on the communication identifier in registration request
Join the terminal iidentification of storage, and send operating instruction to target terminal corresponding with terminal iidentification, to indicate that target terminal wakes up
And start bank APP.
In operation S430, the registration information that user sends via application-specific is received, wherein registration information includes branch
It pays a bill family.
According to the embodiment of the present disclosure, after target terminal receives the operating instruction from server and starts bank APP, use
Family can carry out payment bindings in bank APP, such as user can input registration information in the interface bank APP, note
Volume information is for example including user name, user identity card number, payment account (such as payment card number) etc..
In operation S440, default voice and payment account are associatedly stored.
It, can will be in registration information after server receives the registration information of user according to the embodiment of the present disclosure
Payment account and default voice association store, convenient for subsequent using default voice as evidence for payment, and after through verifying
Target amount is taken off from payment account to complete to pay.
For example, registration request can also include the device identification of intelligent sound box, operation S440 be can further include: obtain
The terminal iidentification of target terminal is taken, associated storage presets voice, payment account, device identification and terminal iidentification.The disclosure is real
When the technical solution applied is convenient for initiating payment request subsequently through intelligent sound box, server, can after receiving payment request
Corresponding terminal iidentification is confirmed with the device identification based on intelligent sound box, and verification information is sent to corresponding with terminal iidentification
Target terminal, and then the payment voice from target terminal is received, whether further validation of payment voice is default voice, verifying
By rear, withholdd from payment account to complete to pay.
Fig. 5 diagrammatically illustrates the flow chart of the transmission operating instruction according to the embodiment of the present disclosure.
As shown in figure 5, operation S420 includes operation S421~S423.
It can before target terminal runs bank APP based on the operating instruction from server according to the embodiment of the present disclosure
To prejudge whether communication identifier and terminal iidentification meet condition.Description specific as follows.
In operation S421, determine whether communication identifier is default communication identifier.
For example, can determine the mobile phone in registration request when server receives the registration request from intelligent sound box
Whether number is the preset mobile phone number for being pre-stored within server, if it is not, then indicating that the phone number is in blacklist
Phone number.
In operation S422, determine whether terminal iidentification is default terminal iidentification.
For example, server can be determined with whether the terminal iidentification of phone number associated storage is to be pre-stored within server
Default terminal iidentification, if it is not, then indicate the terminal iidentification be blacklist in terminal iidentification, that is, with the terminal iidentification
Terminal is the equipment in blacklist in corresponding target.
In operation S423, in response to communication identifier be default communication identifier and terminal iidentification is default terminal iidentification, to
The corresponding target terminal of terminal iidentification sends operating instruction.
In the embodiments of the present disclosure, if communication identifier is default communication identifier and terminal iidentification is default terminal iidentification,
Then indicate that the communication identifier and terminal iidentification are legal, server can send operating instruction to target terminal, to indicate target end
End wakes up and starts bank APP.
The embodiment of the present disclosure in order to promote the safety of voice payment, user by intelligent sound box open voice payment or
When being done shopping using intelligent sound box, voice payment can be sent to the bank APP of the credible target terminal of user and open information
Or payment verification information.It, can be by the default voice (such as information of acoustic wave) of user and pre- for example, when opening voice payment
Payment card number is stayed to be stored in bank server.When user is done shopping using intelligent sound box, can be tested by various auxiliary
Card mode (modes such as the verifying of brush face, short message verification code verifying, fingerprint authentication) is verified, such as server can be to credible mesh
It marks terminal and sends verification information, be verified, execution withholds operation to complete to pay.
The technical solution of the embodiment of the present disclosure, Fig. 6 are diagrammatically illustrated according to the embodiment of the present disclosure in order to facilitate understanding
A kind of exemplary voice payment system schematic diagram.It will be understood by those skilled in the art that voice payment system signal shown in fig. 6
Scheme merely illustrative, the embodiment of the present disclosure is not limited thereto.
As shown in fig. 6, voice payment system 600 includes bank server 610, intelligent sound box 620 and target terminal
630.Wherein, bank server 610 is for example including payment binding module 611, voice payment module 612 and risk control module
613。
Wherein, intelligent sound box 620 requests the payment bind request or voice payment of user to be sent to bank by network
Server 610, such as the gateway being sent in bank server 610.Bank server 610 is received from intelligent sound box 620
Payment bind request or voice payment request after, by the payment bind request be sent to payment binding module 611 at
Reason generates binding validatation information, or voice payment request is sent to voice payment module 612 and carries out processing generation payment verification
Information.Thereafter, binding validatation information or payment verification information can be sent to target terminal 630 and carried out by bank server 610
Verifying, bank server 610 can receive the feedback data of target terminal, and completes payment binding based on feedback data or complete
Payment.
For example, payment binding module 611 can perform the following operations S6111~S6116.
In operation S6111, the registration information for collecting user carries out safety permission judgement.Such as by risk control module 613
Carry out safety permission judgement.Wherein, in risk identification module 613 for example with phone number blacklist, intelligent sound box blacklist,
Intelligent sound box IP/MAC blacklist, cooperation trade company's white list (such as trade company of the commercially available commodity provided in intelligent sound box), mesh
Mark terminal blacklist, target terminal IP/MAC blacklist etc..The information stored in risk identification module 613 can be used for sentencing
Whether disconnected registration information is qualified.
In operation S6112, the push payment bind request into the target terminal 630 of user.
In operation S6113, target terminal 630 receives the bank after payment bind request in wake up target terminal 630
APP, user confirm the payment card number to be bound by bank APP.
In operation S6114, user is by the reserved payment voice of bank APP, for being used as subsequent evidence for payment.And by
Server 610 grabs and stores the hardware information (such as terminal iidentification) of target terminal 630, subsequent corresponding with the hardware information
Target terminal 630 is used as payment verification terminal.
In operation S6115, server 610 authenticates the registration information of user, and by User Agreement, target terminal 630
Hardware information, payment cipher information (such as facial information, verification code information, finger print information etc.), user biological voice messaging (sound
Line information) it is stored in server 610.
In operation S6116, after paying binding success, short message is sent to target terminal 630, user is notified to pay binding function
Success can be opened.
For example, voice payment module 612 can perform the following operations S6121~S6125.
In operation S6121, user initiates payment request by intelligent sound box 620.
In operation S6122, server 619 receives payment request, sends payment notification message to target terminal 630.
In operation S6123, after target terminal 630 receives payment notification message, the bank in wake up target terminal 630
APP, user can input payment voice.
It in operation S6124, is carried out in payment process by bank APP, if current transaction is block trade, by each
Kind auxiliary verification mode (modes such as the verifying of brush face, short message verification code verifying, fingerprint authentication) is verified.
In operation S6125, it is proved to be successful, withholds to complete to pay.
Fig. 7 diagrammatically illustrates the block diagram of the voice payment device according to the embodiment of the present disclosure.
As shown in fig. 7, voice payment device 700 includes the first receiving module 710, determining module 720, the first sending module
730, the second receiving module 740 and payment module 750.
First receiving module 710 can be used for receiving the payment request from intelligent sound box, and payment request includes intelligent sound
The device identification of case.According to the embodiment of the present disclosure, the first receiving module 710 can for example execute the behaviour above with reference to Fig. 2 description
Make S210, details are not described herein.
Determining module 720 can be used for determining associated terminal iidentification based on device identification.According to the embodiment of the present disclosure,
Determining module 720 can for example execute the operation S220 above with reference to Fig. 2 description, and details are not described herein.
First sending module 730 can be used for based on payment request generate verification information, and by verification information be sent to
The corresponding target terminal of terminal iidentification.
According to the embodiment of the present disclosure, verification information is generated based on payment request, and verification information is sent to and terminal mark
Know corresponding target terminal, comprising: default voice is obtained based on payment request, based on default speech production verification information, and will
Verification information is sent to target terminal corresponding with terminal iidentification.
According to the embodiment of the present disclosure, the first sending module 730 can for example execute the operation above with reference to Fig. 2 description
S230, details are not described herein.
Second receiving module 740 can be used for receiving the payment voice from target terminal, and payment voice includes target end
The user speech of acquisition is held, user speech is the voice that user generates according to verification information.It is connect according to the embodiment of the present disclosure, second
The operation S240 described above with reference to Fig. 2 can for example be executed by receiving module 740, and details are not described herein.
Payment module 750 can be used in response to payment voice being default voice, complete payment based on payment request.According to
The embodiment of the present disclosure, payment module 750 can for example execute the operation S250 above with reference to Fig. 2 description, and details are not described herein.
Fig. 8 diagrammatically illustrates the block diagram of the payment module according to the embodiment of the present disclosure.
As shown in figure 8, payment module 750 includes target amount for payment request, it is default language in response to payment voice
Sound completes payment based on payment request, comprising: in response to paying voice as default voice, transfer meets mesh from payment account
The fund of amount is marked to complete to pay.
Specifically, payment module 750 includes the first determining submodule 751, the first sending submodule 752, receiving submodule
753 and transfer submodule 754.
First determines that submodule 751 can be used in response to payment voice being default voice, determines whether target amount is big
In default amount.According to the embodiment of the present disclosure, first determines that submodule 751 can for example execute the behaviour above with reference to Fig. 3 description
Make S251, details are not described herein.
First sending submodule 752 can be used for sending out in response to determining that target amount is greater than default amount to target terminal
Auxiliary checking request is sent, auxiliary checking request includes at least one of face verification request and identifying code checking request.According to
The embodiment of the present disclosure, the first sending submodule 752 can for example execute the operation S252 above with reference to Fig. 3 description, herein no longer
It repeats.
Receiving submodule 753 can be used for receiving the feedback data from target terminal.According to the embodiment of the present disclosure, receive
Submodule 753 can for example execute the operation S253 above with reference to Fig. 3 description, and details are not described herein.
Transfer submodule 754 can be used for being default feedback data in response to feedback data, shift from payment account full
The fund of foot-eye amount is to complete to pay.According to the embodiment of the present disclosure, shift submodule 754 can for example execute above with reference to
The operation S254 of Fig. 3 description, details are not described herein.
Fig. 9 diagrammatically illustrates the block diagram of the voice payment device according to the embodiment of the present disclosure.
As shown in figure 9, voice payment device 900 includes the first receiving module 710, determining module 720, the first sending module
730, the second receiving module 740, payment module 750, third receiving module 910, the second sending module 920, the 4th receiving module
930 and memory module 940.
Third receiving module 910 can be used for receiving default voice and registration request from intelligent sound box, registration request
Including communication identifier, wherein communication identifier is associated with terminal iidentification.According to the embodiment of the present disclosure, third receiving module 910
As that can execute above with reference to the operation S410 described in Fig. 4, details are not described herein.
Second sending module 920 can be used for determining terminal iidentification based on communication identifier, and to corresponding with terminal iidentification
Target terminal sends operating instruction, to indicate that target terminal runs application-specific.It is sent according to the embodiment of the present disclosure, second
Module 920 can for example execute the operation S420 above with reference to Fig. 4 description, and details are not described herein.
4th receiving module 930 can be used for receiving the registration information that user sends via application-specific, wherein note
Volume information includes payment account.According to the embodiment of the present disclosure, the 4th receiving module 930 can for example be executed to be retouched above with reference to Fig. 4
The operation S430 stated, details are not described herein.
Memory module 940 can be used for associatedly storing default voice and payment account.
According to the embodiment of the present disclosure, registration request further includes the device identification of intelligent sound box, associated storage preset voice and
Payment account, comprising: obtain the terminal iidentification of target terminal, associated storage presets voice, payment account, device identification and end
End mark.
According to the embodiment of the present disclosure, memory module 940 can for example execute the operation S440, In above with reference to Fig. 4 description
This is repeated no more.
Figure 10 diagrammatically illustrates the block diagram of the second sending module according to the embodiment of the present disclosure.
As shown in Figure 10, the second sending module 920 include second determine submodule 921, third determine submodule 922 and
Second sending submodule 923.
Second determines that submodule 921 is determined for whether communication identifier is default communication identifier.According to disclosure reality
Example is applied, second determines that submodule 921 can for example execute the operation S421 above with reference to Fig. 5 description, and details are not described herein.
Third determines that submodule 922 is determined for whether terminal iidentification is default terminal iidentification.According to disclosure reality
Example is applied, third, which determines submodule 922 for example, can execute the operation S422 described above with reference to Fig. 5, and details are not described herein.
It is default communication identifier in response to communication identifier that second sending submodule 923, which can be used for, and terminal iidentification is default
Terminal iidentification sends operating instruction to target terminal corresponding with terminal iidentification.Submodule is sent according to the embodiment of the present disclosure, second
Block 923 can for example execute the operation S423 above with reference to Fig. 5 description, and details are not described herein.
It is module according to an embodiment of the present disclosure, submodule, unit, any number of or in which any more in subelement
A at least partly function can be realized in a module.It is single according to the module of the embodiment of the present disclosure, submodule, unit, son
Any one or more in member can be split into multiple modules to realize.According to the module of the embodiment of the present disclosure, submodule,
Any one or more in unit, subelement can at least be implemented partly as hardware circuit, such as field programmable gate
Array (FPGA), programmable logic array (PLA), system on chip, the system on substrate, the system in encapsulation, dedicated integrated electricity
Road (ASIC), or can be by the hardware or firmware for any other rational method for integrate or encapsulate to circuit come real
Show, or with any one in three kinds of software, hardware and firmware implementations or with wherein any several appropriately combined next reality
It is existing.Alternatively, can be at least by part according to one or more of the module of the embodiment of the present disclosure, submodule, unit, subelement
Ground is embodied as computer program module, when the computer program module is run, can execute corresponding function.
For example, the first receiving module 710, determining module 720, the first sending module 730, the second receiving module 740, payment
Module 750, first determines submodule 751, the first sending submodule 752, receiving submodule 753, transfer submodule 754, third
Receiving module 910, the second sending module 920, second determine that submodule 921, third determine that submodule 922, second sends submodule
Any number of may be incorporated in a module in block 923, the 4th receiving module 930 and memory module 940 realize, or
Any one module therein can be split into multiple modules.Alternatively, one or more modules in these modules are at least
Partial function can be combined at least partly function of other modules, and be realized in a module.According to the reality of the disclosure
Apply example, the first receiving module 710, determining module 720, the first sending module 730, the second receiving module 740, payment module 750,
First determines submodule 751, the first sending submodule 752, receiving submodule 753, transfer submodule 754, third receiving module
910, the second sending module 920, second determines that submodule 921, third determine submodule 922, the second sending submodule 923, the
At least one of four receiving modules 930 and memory module 940 can at least be implemented partly as hardware circuit, such as existing
Field programmable gate array (FPGA), programmable logic array (PLA), system on chip, the system on substrate, the system in encapsulation,
Specific integrated circuit (ASIC), or can by circuit carry out the hardware such as any other rational method that is integrated or encapsulating or
Firmware realizes, or with any one in three kinds of software, hardware and firmware implementations or with wherein any several appropriate
Combination is to realize.Alternatively, the first receiving module 710, determining module 720, the first sending module 730, the second receiving module 740,
Payment module 750, first determine submodule 751, the first sending submodule 752, receiving submodule 753, transfer submodule 754,
Third receiving module 910, the second sending module 920, second determine that submodule 921, third determine that submodule 922, second is sent
At least one of submodule 923, the 4th receiving module 930 and memory module 940 can at least be implemented partly as counting
Calculation machine program module can execute corresponding function when the computer program module is run.
Figure 11 diagrammatically illustrates the block diagram of the computer system of the voice payment according to the embodiment of the present disclosure.Figure 11 shows
Computer system out is only an example, should not function to the embodiment of the present disclosure and use scope bring any restrictions.
As shown in figure 11, computer system 1100 includes processor 1101, computer readable storage medium 1102.The system
1100 can execute the method according to the embodiment of the present disclosure.
Specifically, processor 1101 for example may include general purpose microprocessor, instruction set processor and/or related chip group
And/or special microprocessor (for example, specific integrated circuit (ASIC)), etc..Processor 1101 can also include for caching
The onboard storage device of purposes.Processor 1101 can be the different movements for executing the method flow according to the embodiment of the present disclosure
Single treatment unit either multiple processing units.
Computer readable storage medium 1102, for example, can be can include, store, transmitting, propagating or transmitting instruction
Arbitrary medium.For example, readable storage medium storing program for executing can include but is not limited to electricity, magnetic, optical, electromagnetic, infrared or semiconductor system, dress
It sets, device or propagation medium.The specific example of readable storage medium storing program for executing includes: magnetic memory apparatus, such as tape or hard disk (HDD)；Light
Storage device, such as CD (CD-ROM)；Memory, such as random access memory (RAM) or flash memory；And/or wire/wireless communication
Link.
Computer readable storage medium 1102 may include computer program 1103, which may include
Code/computer executable instructions executes processor 1101 and is implemented according to the disclosure
The method or its any deformation of example.
Computer program 1103 can be configured to have the computer program code for example including computer program module.Example
Such as, in the exemplary embodiment, the code in computer program 1103 may include one or more program modules, for example including
1103A, module 1103B ....It should be noted that the division mode and number of module are not fixed, those skilled in the art
It can be combined according to the actual situation using suitable program module or program module, when these program modules are combined by processor
When 1101 execution, processor 1101 is executed according to the method for the embodiment of the present disclosure or its any deformation.
In accordance with an embodiment of the present disclosure, the first receiving module 710, determining module 720, the first sending module 730, second connect
Receive module 740, payment module 750, first determines submodule 751, the first sending submodule 752, receiving submodule 753, transfer
Submodule 754, third receiving module 910, the second sending module 920, second determine that submodule 921, third determine submodule
922, at least one of the second sending submodule 923, the 4th receiving module 930 and memory module 940 can be implemented as joining
Corresponding operating described above may be implemented when being executed by processor 1101 in the computer program module for examining Figure 11 description.
The disclosure additionally provides a kind of computer-readable medium, which, which can be in above-described embodiment, retouches
Included in the equipment/device/system stated；It is also possible to individualism, and without in the supplying equipment/device/system.On
It states computer-readable medium and carries one or more program, when said one or multiple programs are performed, in realization
State method.
In accordance with an embodiment of the present disclosure, computer-readable medium can be computer-readable signal media or computer can
Read storage medium either the two any combination.Computer readable storage medium for example can be --- but it is unlimited
In system, device or the device of --- electricity, magnetic, optical, electromagnetic, infrared ray or semiconductor, or any above combination.It calculates
The more specific example of machine readable storage medium storing program for executing can include but is not limited to: have the electrical connection, portable of one or more conducting wires
Formula computer disk, hard disk, random access storage device (RAM), read-only memory (ROM), erasable programmable read only memory
(EPROM or flash memory), optical fiber, portable compact disc read-only memory (CD-ROM), light storage device, magnetic memory device or
The above-mentioned any appropriate combination of person.In the disclosure, computer readable storage medium can be it is any include or storage program
Tangible medium, which can be commanded execution system, device or device use or in connection.And in this public affairs
In opening, computer-readable signal media may include in a base band or as carrier wave a part propagate data-signal,
In carry computer-readable program code.The data-signal of this propagation can take various forms, including but not limited to
Electromagnetic signal, optical signal or above-mentioned any appropriate combination.Computer-readable signal media can also be computer-readable
Any computer-readable medium other than storage medium, the computer-readable medium can send, propagate or transmit for by
Instruction execution system, device or device use or program in connection.The journey for including on computer-readable medium
Sequence code can watch medium transmission appropriate with appointing, including but not limited to: wireless, wired, optical cable, radiofrequency signal etc., or
Above-mentioned any appropriate combination.
Flow chart and block diagram in attached drawing are illustrated according to the system of the various embodiments of the disclosure, method and computer journey
The architecture, function and operation in the cards of sequence product.In this regard, each box in flowchart or block diagram can generation
A part of one module, program segment or code of table, a part of above-mentioned module, program segment or code include one or more
Executable instruction for implementing the specified logical function.It should also be noted that in some implementations as replacements, institute in box
The function of mark can also occur in a different order than that indicated in the drawings.For example, two boxes succeedingly indicated are practical
On can be basically executed in parallel, they can also be executed in the opposite order sometimes, and this depends on the function involved.Also it wants
It is noted that the combination of each box in block diagram or flow chart and the box in block diagram or flow chart, can use and execute rule
The dedicated hardware based systems of fixed functions or operations is realized, or can use the group of specialized hardware and computer instruction
It closes to realize.
It will be understood by those skilled in the art that the feature recorded in each embodiment and/or claim of the disclosure can
To carry out multiple combinations and/or combination, even if such combination or combination are not expressly recited in the disclosure.Particularly, In
In the case where not departing from disclosure spirit or teaching, the feature recorded in each embodiment and/or claim of the disclosure can
To carry out multiple combinations and/or combination.All these combinations and/or combination each fall within the scope of the present disclosure.
Although the disclosure, art technology has shown and described referring to the certain exemplary embodiments of the disclosure
Personnel it should be understood that in the case where the spirit and scope of the present disclosure limited without departing substantially from the following claims and their equivalents,
A variety of changes in form and details can be carried out to the disclosure.Therefore, the scope of the present disclosure should not necessarily be limited by above-described embodiment,
But should be not only determined by appended claims, also it is defined by the equivalent of appended claims.
Claims (10)
1. a kind of voice payment method applied to server, comprising:
The payment request from intelligent sound box is received, the payment request includes the device identification of the intelligent sound box；
Associated terminal iidentification is determined based on the device identification；
Verification information is generated based on the payment request, and the verification information is sent to mesh corresponding with the terminal iidentification
Mark terminal；
The payment voice from the target terminal is received, the payment voice includes user's language of the target terminal acquisition
Sound, the user speech are the voice that user generates according to the verification information；And
It is default voice in response to the payment voice, payment is completed based on the payment request.
2. according to the method described in claim 1, further include:
The default voice and registration request, the registration request of the reception from the intelligent sound box include communication identifier,
In, the communication identifier is associated with the terminal iidentification；
The terminal iidentification is determined based on the communication identifier, and is sent and run to target terminal corresponding with the terminal iidentification
Instruction, to indicate the target terminal operation application-specific；
Receive the registration information that the user sends via the application-specific, wherein the registration information includes payment
Account；And
Associatedly store the default voice and the payment account.
3. according to the method described in claim 2, wherein, the registration request further includes the device identification of the intelligent sound box；
Voice and the payment account are preset described in the associated storage, comprising:
Obtain the terminal iidentification of the target terminal；
Voice, the payment account, the device identification and the terminal iidentification are preset described in associated storage.
4. according to the method in claim 2 or 3, wherein the payment request includes target amount；It is described in response to described
Paying voice is default voice, completes payment based on the payment request, comprising:
It is the default voice in response to the payment voice, transfer meets the money of the target amount from the payment account
Gold is to complete to pay.
5. according to the method in claim 2 or 3, wherein it is described that the terminal iidentification is determined based on the communication identifier, and
Operating instruction is sent to target terminal corresponding with the terminal iidentification, comprising:
Determine whether the communication identifier is default communication identifier；
Determine whether the terminal iidentification is default terminal iidentification；And
In response to the communication identifier be the default communication identifier and the terminal iidentification is the default terminal iidentification, to
The corresponding target terminal of the terminal iidentification sends operating instruction.
6. it is described that verification information is generated based on the payment request according to the method described in claim 1, wherein, and will be described
Verification information is sent to target terminal corresponding with the terminal iidentification, comprising:
The default voice is obtained based on the payment request；And
Based on verification information described in the default speech production, and the verification information is sent to corresponding with the terminal iidentification
Target terminal.
7. according to the method described in claim 4, wherein, described in response to the payment voice is the default voice, from institute
It states transfer in payment account and meets the fund of the target amount to complete to pay, comprising:
It is default voice in response to the payment voice, determines whether the target amount is greater than default amount；
It is greater than default amount in response to the determination target amount, Xiang Suoshu target terminal sends auxiliary checking request, described auxiliary
Helping checking request includes at least one of face verification request and identifying code checking request；
Receive the feedback data from the target terminal；And
It is default feedback data in response to the feedback data, transfer meets the money of the target amount from the payment account
Gold is to complete to pay.
8. a kind of voice payment device, comprising:
First receiving module receives the payment request from intelligent sound box, and the payment request includes setting for the intelligent sound box
Standby mark；
Determining module determines associated terminal iidentification based on the device identification；
First sending module generates verification information based on the payment request, and the verification information is sent to and the end
End identifies corresponding target terminal；
Second receiving module receives the payment voice from the target terminal, and the payment voice includes the target terminal
The user speech of acquisition, the user speech are the voice that user generates according to the verification information；And
Payment module is default voice in response to the payment voice, completes payment based on the payment request.
9. a kind of calculating equipment, comprising:
One or more processors；
Memory, for storing one or more programs,
Wherein, when one or more of programs are executed by one or more of processors, so that one or more of
Processor realizes method described in any one of claims 1 to 7.
10. a kind of computer readable storage medium, is stored with computer executable instructions, described instruction is used for reality when executed
Method described in existing any one of claims 1 to 7.
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