CN110675549A - Bank account security processing method and device - Google Patents
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- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
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- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- G10—MUSICAL INSTRUMENTS; ACOUSTICS
- G10L—SPEECH ANALYSIS TECHNIQUES OR SPEECH SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING TECHNIQUES; SPEECH OR AUDIO CODING OR DECODING
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Abstract
The invention provides a bank account security processing method and a bank account security processing device, wherein the method comprises the following steps: receiving a bank account voice control instruction, and extracting voiceprint characteristic information in the bank account voice control instruction; matching the voiceprint characteristic information with prestored voiceprint characteristic sample information to confirm the identity of the user; matching the voiceprint characteristic information with voiceprint information of a preset account control instruction; and after the matching is successful, executing an account control instruction corresponding to the voiceprint characteristic information. The method and the device provided by the invention confirm the user information by using the voiceprint recognition technology, execute the account security operation through voiceprint matching, can avoid system operation through manpower under the emergency condition that the account security is threatened, solve the fund loss caused by account stealing, and effectively ensure the security of the bank account in time.
Description
Technical Field
The invention relates to the technical field of bank security, in particular to a method and a device for performing bank account security processing by utilizing voiceprint recognition.
Background
In recent years, transaction terminals for banks have been widely spread, including ATMs, mobile banking, internet banking, and the like. When a user identifies the user, a common ATM generally adopts a digital password mode, and only after a correct digital password is input, the ATM system can allow subsequent operation, so that certain information safety hidden danger exists.
In view of the above, a method for effectively and timely securing a bank account is needed.
Disclosure of Invention
In order to solve the problems, the invention provides a method and a device for safely processing a bank account by utilizing voiceprint recognition.
In an embodiment of the present invention, a method for securely processing a bank account is provided, where the method includes:
receiving a bank account voice control instruction, and extracting voiceprint characteristic information in the bank account voice control instruction;
matching the voiceprint characteristic information with prestored voiceprint characteristic sample information to confirm the identity of the user;
matching the voiceprint characteristic information with voiceprint information of a preset account control instruction;
and after the matching is successful, executing an account control instruction corresponding to the voiceprint characteristic information.
In an embodiment of the present invention, a device for securely processing a bank account is provided, where the device includes:
the instruction receiving module is used for receiving a bank account voice control instruction and extracting voiceprint characteristic information in the bank account voice control instruction;
the voiceprint confirmation module is used for matching the voiceprint characteristic information with prestored voiceprint characteristic sample information to confirm the identity of the user;
the voiceprint matching module is used for matching the voiceprint characteristic information with voiceprint information of a preset account control instruction;
and the operation execution module is used for executing the account control instruction corresponding to the voiceprint characteristic information after the matching is successful.
In an embodiment of the present invention, a computer device is provided, which includes a memory, a processor, and a computer program stored on the memory and executable on the processor, and the processor executes the computer program to implement the foregoing bank account security processing method.
In an embodiment of the present invention, a computer-readable storage medium is provided, where the computer-readable storage medium stores a computer program for executing the foregoing bank account security processing method.
According to the bank account security processing method and device, the user information is confirmed by using the voiceprint recognition technology, the account security operation is executed through voiceprint matching, the system operation is not required to be manually performed under the emergency condition that the account security is threatened, the fund loss caused by account stealing is solved, and the security of the bank account is effectively ensured in time.
Drawings
Fig. 1 schematically shows an application scenario in which an embodiment of the invention may be implemented.
Fig. 2 is a flowchart of a bank account security processing method according to an embodiment of the present invention.
Fig. 3 is a flow chart of a bank account security processing method according to another embodiment of the invention.
Fig. 4 is a schematic view of a voiceprint recognition process according to an embodiment of the present invention.
Fig. 5 is a schematic structural diagram of a bank account security processing apparatus according to an embodiment of the present invention.
Detailed Description
Reference is first made to fig. 1, which illustrates an application scenario in which embodiments of the present invention may be implemented. The scenario shown in fig. 1 includes a terminal 100 and a server 200. The terminal 100 may be an ATM, a mobile terminal capable of logging in an electronic bank, such as a mobile phone, a tablet computer, a notebook computer, a personal digital assistant, etc., or a desktop computer capable of logging in an internet bank, and the server 200 may be a bank background server. The terminal 100 and the server 200 may be connected to each other by communication via the mobile internet, for example.
When the user needs to manipulate the bank account, the spoken voice manipulation instruction of the user may be collected at the terminal 100, more specifically, for example, through a microphone of the terminal 100, and uploaded to the server 200; the server 200 performs voiceprint extraction and matching according to the voice control instruction, confirms the identity of the user and performs corresponding account control; for example, when a user encounters personal harm, the user can freeze an account by shouting an instruction of 'freezing the account' or 'swallowing a card', and the like, so that the bank card is swallowed into the ATM, and the safety of the bank account is guaranteed.
In the following, referring to fig. 2, a bank account security processing method according to an exemplary embodiment of the present invention is described with reference to an application scenario of fig. 1.
It should be noted that the above application scenarios are merely illustrated for the convenience of understanding the spirit and principles of the present invention, and the embodiments of the present invention are not limited in this respect. Rather, embodiments of the present invention may be applied to any scenario where applicable.
For example, referring to fig. 2, a flowchart of a method for processing security of a bank account according to an embodiment of the present invention is shown.
As shown in fig. 2, the method includes:
and step S1, receiving the bank account voice control instruction, and extracting the voiceprint characteristic information in the bank account voice control instruction.
Step S2, matching the voiceprint characteristic information with prestored voiceprint characteristic sample information, and verifying whether the user identity is legal or illegal; the pre-stored voiceprint characteristic sample information is voiceprint characteristic sample information which is pre-entered by the user through the terminal 100 or at a bank counter.
Before step S2 is executed, a matching threshold needs to be set, and the matching threshold can be adjusted according to the error acceptance rate and the error rejection rate.
When the matching degree of the voiceprint characteristic information and the prestored voiceprint characteristic sample information is greater than the matching threshold value, the user identity is confirmed, and step S3 is executed; and when the matching degree is smaller than the matching threshold value, ending the operation of the bank account.
And step S3, after the user identity is confirmed, matching the voiceprint characteristic information with the voiceprint information of the preset account control instruction.
The preset voiceprint information of the account control instruction is voiceprint information corresponding to the account control instruction which is input by the user through the terminal 100 or in the bank counter in advance, and may include one or more instructions including transaction termination, account freezing, card swallowing of the ATM and alarm help seeking, and may also include other instructions.
Before matching, a matching threshold needs to be set, and the matching threshold can be adjusted according to the error acceptance rate and the error rejection rate. Here, the matching threshold may be set before the aforementioned step S2, or a separate matching threshold may be set according to actual needs.
And when the matching degree of the voiceprint characteristic information and the voiceprint information of the preset account control instruction is greater than the matching threshold value, the matching is successful, and step S4 is executed to execute the account control instruction corresponding to the voiceprint characteristic information.
Referring to fig. 3, when the matching degree is smaller than the matching threshold, the matching fails, step S5 is executed, the voice instruction information in the bank account voice operation instruction is recognized, the voice instruction information is compared with the account general operation instruction, and after the comparison succeeds, the account operation instruction corresponding to the voice instruction information is executed.
The voiceprint recognition technology adopted in step S2, step S3, and step S4 is mainly used for determining "who said," confirming the user identity, and executing the user "what to do," for example, the user has previously entered the voiceprint of "frozen account," and sets the executed operation to be the amount of the frozen account, so that the account cannot be used for depositing or withdrawing money. Then, when the user says "freeze account" at the terminal 100, the server 200 judges that it is the user who said it and executes the amount of the freeze account based on the voiceprint information of this sentence.
Employed in step S5 is a speech recognition technique for determining "what was said". After the user identity is confirmed in the step S2, but the voiceprint feature information fails to match the account control command in the step S3, corresponding operations may be performed according to the content of the user utterance. For example, if the content spoken by the user and the account control command that is not previously entered and is preset are relatively poor in correlation, the matching fails in step S3, and the content spoken by the user may be identified and compared with the account general control command, and after the comparison is successful, the account control command corresponding to the voice command information is executed.
For a clearer explanation of the above bank account security processing method, a specific embodiment is described below, however, it should be noted that the embodiment is only for better explaining the present invention and is not to be construed as an undue limitation to the present invention.
The first embodiment is as follows:
the user inputs the voiceprint of 'transaction termination' by using the mobile phone and sets a corresponding account processing mode: the account current transaction is terminated. As shown in fig. 4, the process of voiceprint recognition includes: the bank background server preprocesses voiceprints of the termination transaction, which are input by a user in advance, then extracts features, and establishes a voiceprint model library of the user through a training process and a testing process; and in the training process and the testing process, the testing result of the voiceprint model library reaches a preset error acceptance rate and an error rejection rate.
Voiceprint recognition has two thresholds, respectively, a False Acceptance Rate (FAR) and a False Rejection Rate (FRR). FAR refers to an error caused by discriminating a non-target speaker as a target speaker. FRR refers to an error caused by misidentifying a targeted speaker as a non-targeted speaker. In the voiceprint recognition module, FAR and FRR can be weighed by setting different thresholds. The higher the security required by the user, the higher the threshold should be set, where the more stringent the acceptance conditions are, i.e. the lower the FAR, but the higher the FRR.
Taking the ATM from the user to the bank as an example, when the user is in danger, the user can speak the voice control instruction of the bank account to terminate the transaction. After the bank background server receives the instruction, the voice print model library of the user is used for judging that the term 'transaction termination' is said by the user, and then the corresponding operation and control of the current transaction of the termination account are executed.
According to the bank account security processing method, the user information is confirmed by using the voiceprint recognition technology, the account security operation is executed through voiceprint matching, and under the emergency condition that the account security is threatened, the account security can be guaranteed without manually carrying out system operation. The fund loss caused by account stealing is solved.
Example two:
the user inputs the voiceprint of 'transaction termination' and 'card swallowing by the ATM' by using the mobile phone, and correspondingly sets an account processing mode: the current transaction of the account is terminated, and the ATM swallows the bank card. And the bank background server pre-processes the termination transaction and the voiceprint of card swallowing of the ATM, extracts the features and establishes a voiceprint model library of the user through a training process.
Taking the ATM from the user to the bank as an example, when personal danger is met, the user can speak a bank account voice control instruction 'please help me to terminate the transaction, and the ATM swallows the card'. After the bank background server receives the instruction, the voiceprint matching degree of the user is judged by using the voiceprint model library of the user, the matching degree of 'transaction termination and ATM card swallowing' in the user exceeds a preset threshold value, the user says that the user then executes corresponding account termination current transaction, and the ATM swallows the control of the bank card.
Example three:
based on the second embodiment, the voiceprints input by the user in the embodiment are consistent; the general account control command preset by the bank comprises 'account freezing' so that the account cannot be accessed.
When a user speaks a bank account voice control instruction 'please help me to terminate the transaction and freeze the account', the bank background server judges the voiceprint matching degree of the voice by using a voiceprint model library of the user; after learning, the voiceprint model library judges that the matching degree of 'please help me to terminate the transaction' in the words exceeds a preset threshold value, judges that the words are spoken by the user, and then executes the corresponding current transaction of the account to be terminated.
Because the voiceprint input by the user does not have the 'frozen account' and does not match the voiceprint information of the corresponding preset account control instruction, the step S5 is executed, the bank background server identifies the 'frozen account' of the voice instruction information in the voice, the 'frozen account' is compared and succeeded in the preset account general control instruction, and the control that the account can not deposit and withdraw money is executed. Here, the user may set the mode to be an automatic mode to enable the bank background server to automatically perform comparison operation, or set the mode to be a manual mode, after the comparison is successful, information for confirming the operation is returned, after the user confirms, corresponding account processing is performed, and the voice instruction information is stored in the voiceprint model library.
Example four:
based on the third embodiment, the voiceprints entered by the user in the embodiment are consistent; the general account control command preset by the bank comprises 'alarm', and an alarm instruction is sent to the public security bureau.
When a user speaks a bank account voice control instruction 'please help me to alarm', a bank background server judges the voiceprint matching degree of the speech by using a voiceprint model library of the user; after learning, the voiceprint model library judges that the matching degree of 'please help me' in the words exceeds a preset threshold value, and judges that the words are spoken by the user.
However, since there is no "alarm" in the voiceprint entered by the user and the voiceprint information of the corresponding preset account control instruction is not matched, step S5 is executed, the bank background server recognizes the voice instruction information "alarm" in the voice, compares and succeeds the preset account general control instruction, and sends an alarm instruction to the public security bureau. Here, the user may set the mode to be an automatic mode to enable the bank background server to automatically perform comparison operation, or set the mode to be a manual mode, after the comparison is successful, information for confirming the operation is returned, after the user confirms, corresponding account processing is performed, and the voice instruction information is stored in the voiceprint model library.
Example five:
through the first to the fourth embodiments, the user can directly speak the bank account voice control instruction to perform a corresponding account processing mode. In practical application, the user may have a situation such as a mistake, which causes a malfunction, so that a separate identification instruction may be added on the basis of the foregoing embodiment.
Firstly, a user inputs the voiceprints of Arabic numerals 1-10, namely 'transaction termination' and 'card swallowing by an ATM' by using a mobile phone, and correspondingly sets an account processing mode: the current transaction of the account is terminated, and the ATM swallows the bank card.
For example, during identification, the bank background server generates an identification code 49875 to be displayed to the user through an ATM or a mobile phone, and when the user performs account security processing, the user needs to speak the identification code first, that is, after the bank background server recognizes a voiceprint of the five-digit number 49875, the user can continue to perform subsequent operations.
Then the user can say "49875, terminate the transaction", the bank backend server first determines 49875 voiceprint, confirms the user identity, and then executes the operation of terminating the current transaction of the account. Based on the method, misoperation during account processing can be prevented well.
In an embodiment, the identification code may also be preset by the user, and is not required to be generated and displayed by a bank background server, so that the user identity can be more conveniently confirmed, but there is a risk that others can hear the personal information, and therefore, the bank background server needs to regularly remind the user of replacing the identification code.
Besides Arabic numerals, the user can also input the voiceprints of English letters, Chinese characters and the like to confirm the identity. With the learning of the voiceprint model library, the bank background server can randomly generate the identification code.
When the ATM, the mobile terminal, the PC terminal and other equipment collect the bank account voice control instruction, multiple words spoken within 0.3 second can be used as a bank account voice control instruction according to the speaking habit of human beings, but the content of the whole piece of voice control instruction is not more than five seconds, so that the bank background server can process the bank account voice control instruction in time. The interval and the time length of the single instruction can be adjusted according to actual conditions.
In a specific embodiment, viewed in conjunction with Table 1, is a comparative table of biological characteristics selected from san Jose State university-national center for Biometrics. For example, a traditional authentication method generally uses a password or a secret key, which is easy to forget and lose, and is also easy to be used and attacked by hackers, and the simple password "123456" and the default password "admin" of the router are all easy to attack. As technology has evolved, features on the person may also be used for identification, such as fingerprints, faces, sounds, eyes, etc.
TABLE 1 comparison of biological characteristics
| Feature(s) | Finger print | Palm type | Retina | Iris (iris) | Human face | Vein | Voiceprint |
| Ease of use | Height of | Height of | Is low in | Medium and high grade | Medium and high grade | Medium and high grade | Height of |
| Rate of accuracy | Height of | Height of | Height of | Height of | Height of | Height of | Height of |
| Cost of | Height of | Is very high | Is very high | Is very high | Height of | Is very high | Is low in |
| Degree of user acceptance | Medium and high grade | Medium and high grade | Medium and high grade | Medium and high grade | Medium and high grade | Medium and high grade | Height of |
| Remote authentication | Must not | Must not | Must not | Must not | Must not | Must not | Can be used for |
| Mobile phone collection | Is partially made of | Can be used for | Must not | Must not | Can be used for | Must not | Can be used for |
As can be seen from the above table, the accuracy of the biometric features is high, but voiceprint recognition has certain advantages in the aspects of usability, cost, user acceptance, remote authentication, mobile phone collection, and the like.
In summary, according to the bank account security processing method, the voiceprint recognition technology is used for confirming the user information, account security operation is executed through voiceprint matching, and under the emergency condition that the account security is threatened, system operation does not need to be carried out manually, so that fund loss caused by account stealing is avoided, and the security of the bank account is effectively ensured in time.
Having described the method of an exemplary embodiment of the present invention, a bank account security processing apparatus of an exemplary embodiment of the present invention will be described with reference to fig. 4.
The implementation of the bank account security processing device can refer to the implementation of the method, and repeated details are not repeated. The term "module," as used below, may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
As shown in connection with fig. 5, the apparatus includes:
the instruction receiving module 510 is configured to receive a bank account voice control instruction and extract voiceprint feature information in the bank account voice control instruction;
a voiceprint confirmation module 520, configured to match the voiceprint feature information with pre-stored voiceprint feature sample information, and confirm a user identity;
the voiceprint matching module 530 is configured to match the voiceprint feature information with voiceprint information of a preset account control instruction;
and the operation executing module 540 is configured to execute the account control instruction corresponding to the voiceprint feature information after the matching is successful.
The instruction receiving module 510, the voiceprint confirmation module 520, the voiceprint matching module 530, and the operation executing module 540 may be disposed in a bank backend server.
In an embodiment of the present invention, a computer device is provided, which includes a memory, a processor, and a computer program stored on the memory and executable on the processor, and when the processor executes the computer program, the processor implements a bank account security processing method.
In an embodiment of the present invention, a computer-readable storage medium storing a computer program for executing a bank account security processing method is provided.
According to the bank account security processing method and device, the user information is confirmed by using the voiceprint recognition technology, the account security operation is executed through voiceprint matching, the system operation is not required to be manually performed under the emergency condition that the account security is threatened, the fund loss caused by account stealing is solved, and the security of the bank account is effectively ensured in time.
It should be noted that although several modules of the bank account security processing apparatus are mentioned in the above detailed description, such division is merely exemplary and not mandatory. Indeed, the features and functionality of two or more of the modules described above may be embodied in one module according to embodiments of the invention. Conversely, the features and functions of one module described above may be further divided into embodiments by a plurality of modules.
Moreover, while the operations of the method of the invention are depicted in the drawings in a particular order, this does not require or imply that the operations must be performed in this particular order, or that all of the illustrated operations must be performed, to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions.
While the spirit and principles of the invention have been described with reference to several particular embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, nor is the division of aspects, which is for convenience only as the features in such aspects may not be combined to benefit. The invention is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims.
Claims (12)
1. A bank account security processing method is characterized by comprising the following steps:
receiving a bank account voice control instruction, and extracting voiceprint characteristic information in the bank account voice control instruction;
matching the voiceprint characteristic information with prestored voiceprint characteristic sample information;
after the matching is successful, matching the voiceprint characteristic information with voiceprint information of a preset account control instruction;
and after the matching is successful, executing an account control instruction corresponding to the voiceprint characteristic information.
2. The bank account security processing method according to claim 1, wherein receiving a bank account voice manipulation instruction and extracting voiceprint feature information in the bank account voice manipulation instruction comprises:
and receiving a bank account voice control instruction collected by the ATM or the user terminal.
3. The bank account security processing method according to claim 1, wherein the pre-stored voiceprint feature sample information includes: and voiceprint characteristic sample information pre-entered by a user.
4. The bank account security processing method according to claim 1, wherein the preset voiceprint information of the account manipulation instruction comprises: and the user inputs voice print information corresponding to the account control instruction in advance.
5. The bank account security processing method according to claim 1, wherein matching the voiceprint feature information with pre-stored voiceprint feature sample information further comprises:
setting a matching threshold value, and adjusting the matching threshold value according to a preset error acceptance rate and an error rejection rate;
after the matching is successful, matching the voiceprint characteristic information with voiceprint information of a preset account control instruction, including:
and when the matching degree of the voiceprint characteristic information and the prestored voiceprint characteristic sample information is greater than the matching threshold value, the user identity is confirmed, and the voiceprint characteristic information is further matched with the voiceprint information of the preset account control instruction.
6. The bank account security processing method according to claim 5, wherein after the matching is successful, executing the account control instruction corresponding to the voiceprint feature information includes:
and when the matching degree of the voiceprint characteristic information and the voiceprint information of the preset account control instruction is greater than the matching threshold, executing the account control instruction corresponding to the voiceprint characteristic information.
7. The bank account security processing method according to claim 1, wherein the preset account manipulation instruction comprises: one or more instructions including terminating the transaction, blocking the account, card-holding by the ATM machine, and alerting for help.
8. The bank account security processing method according to claim 1, wherein after matching the voiceprint feature information with voiceprint information of a preset account control instruction, the method further comprises:
and when the matching fails, identifying voice instruction information in the bank account voice control instruction, comparing the voice instruction information with the account general control instruction, and executing the account control instruction corresponding to the voice instruction information after the comparison is successful.
9. The bank account security processing method according to claim 8, wherein the account general manipulation instruction comprises: one or more instructions including terminating the transaction, blocking the account, card-holding by the ATM machine, and alerting for help.
10. A bank account security processing apparatus, the apparatus comprising:
the instruction receiving module is used for receiving a bank account voice control instruction and extracting voiceprint characteristic information in the bank account voice control instruction;
the voiceprint confirmation module is used for matching the voiceprint characteristic information with prestored voiceprint characteristic sample information to confirm the identity of the user;
the voiceprint matching module is used for matching the voiceprint characteristic information with voiceprint information of a preset account control instruction;
and the operation execution module is used for executing the account control instruction corresponding to the voiceprint characteristic information after the matching is successful.
11. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 1 to 9 when executing the computer program.
12. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 9.
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111382423A (en) * | 2020-03-11 | 2020-07-07 | 滕志勇 | Account display method and system |
| CN111612470A (en) * | 2020-06-05 | 2020-09-01 | 中国银行股份有限公司 | Mobile banking transaction method and system |
| CN111708510A (en) * | 2020-06-17 | 2020-09-25 | 中国银行股份有限公司 | Auxiliary use method, device, storage medium and equipment for mobile banking |
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| CN110675549B (en) | 2021-01-15 |
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