CN113052605A

CN113052605A - Transaction authorization method and device and virtual reality equipment

Info

Publication number: CN113052605A
Application number: CN202110300446.6A
Authority: CN
Inventors: 史云峰; 郭钊; 赵可嘉
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2021-03-22
Filing date: 2021-03-22
Publication date: 2021-06-29

Abstract

The embodiment of the application provides a transaction authorization method, a transaction authorization device and virtual reality equipment, relates to the technical field of biological identification, and can also be used in the technical field of finance, and the method comprises the following steps: displaying a transaction request for a target user wearing virtual reality equipment and acquiring iris information of a current user; if the iris information of the current user is the same as the pre-stored iris standard information of the target user, determining the current user as the target user, and sending verification information to the target user; and receiving voiceprint information input by the target user based on the verification information, and executing transaction operation corresponding to the transaction request on the transaction account corresponding to the extracted random verification code. The method and the system can effectively improve the efficiency, the safety, the accuracy and the convenience of the identity authentication before transaction of the user wearing the virtual reality equipment, can effectively improve the efficiency, the safety, the reliability and the convenience of a transaction authorization process, and effectively reduce the transaction authorization cost.

Description

Transaction authorization method and device and virtual reality equipment

Technical Field

The application relates to the technical field of biometric identification, VR technology and remote authorization, in particular to the technical field of finance, and specifically relates to a transaction authorization method and device and virtual reality equipment.

Background

In recent years, with rapid development of science and technology, applications of virtual reality technologies VR (virtual reality) are beginning to be combined in the financial industry, the electronic game industry and the like, and wearable virtual reality devices such as VR glasses are gradually more widely applied in the electronic game industry. In order to improve the use of virtual reality devices, technicians begin to develop and design virtual reality devices with more functions, and how to implement mobile payment functions for virtual reality devices is one of the important research subjects.

The existing mobile payment method is generally as follows: (1) the mobile payment mostly uses payment passwords and fingerprint identification to authorize payment, so that the security is low and the mobile payment is easy to crack; (2) although the mobile payment is gradually paid by face recognition authorization, face recognition is limited by the level of a face sampling rate, and certain requirements are imposed on a recognition angle, environmental light brightness and the like; (3) a mobile payment authorization mode with high safety is adopted, and the machine is heavy and has no convenience due to high cost, so that the large-scale popularization cannot be realized; (4) fingerprints and human faces are human epidermis body parts and are greatly influenced by human aging, finger abrasion and other factors; (5) fingerprint and face recognition are slow, and delayed payment is easily caused. (6) Other authorized payment devices support only a single payment means.

However, any of the above mobile payment methods has problems of being not applicable to virtual reality devices, high operation cost, poor convenience, low safety, and the like.

Disclosure of Invention

Aiming at the problems in the prior art, the application provides a transaction authorization method, a transaction authorization device and virtual reality equipment, which can effectively improve the efficiency, safety, accuracy and convenience of authentication of a user wearing the virtual reality equipment for a pre-transaction identity, can effectively improve the efficiency, safety, reliability and convenience of a transaction authorization process, and effectively reduce the transaction authorization cost.

In order to solve the technical problem, the application provides the following technical scheme:

in a first aspect, the present application provides a transaction authorization method, comprising:

displaying a transaction request for a target user wearing virtual reality equipment and acquiring iris information of a current user;

if the iris information of the current user is the same as the pre-stored iris standard information of the target user, determining the current user as the target user, and sending verification information to the target user, wherein the verification information comprises: at least one transaction account number pre-stored by the target user and a random verification code uniquely corresponding to the transaction account number;

and receiving voiceprint information input by the target user based on the verification information, and if any random verification code in the verification information and a transaction authorization instruction aiming at the transaction request are extracted from the voiceprint information, executing transaction operation corresponding to the transaction request on a transaction account corresponding to the extracted random verification code.

Further, the displaying a transaction request for a target user wearing the virtual reality device and collecting iris information of a current user includes:

displaying a transaction request for a target user in the virtual reality device;

acquiring an iris digital image of a current user by using the virtual reality equipment;

normalizing the iris digital image to form an iris image meeting the requirement of a preset standard;

and extracting the features of the iris image based on a preset iris feature extraction rule to obtain corresponding iris information.

Further, the sending of the verification information to the target user includes:

calling all transaction account numbers of the target user which are prestored locally;

respectively generating random verification codes which are in one-to-one correspondence with the transaction account numbers on the basis of a preset verification code generation mode so as to generate corresponding verification messages;

and sending a short message containing the verification message to the client equipment of the target user.

Further, the receiving the voiceprint information entered by the target user based on the verification information includes:

acquiring voiceprint data of the target user based on the virtual reality equipment;

amplifying the voiceprint data by using a sound wave amplifier;

and carrying out standardization processing on the amplified voiceprint data according to a preset voiceprint standardization conversion rule to obtain corresponding voiceprint information.

Further, after the receiving the voiceprint information entered by the target user based on the verification information, the method further includes:

and if any random verification code in the verification information is not extracted from the voiceprint information, or if a transaction rejection instruction aiming at the transaction request is extracted from the voiceprint information, displaying transaction termination information aiming at the transaction request in the virtual reality equipment.

Further, the executing the transaction operation corresponding to the transaction request on the transaction account corresponding to the extracted random verification code includes:

encrypting the transaction account corresponding to the extracted random verification code and the transaction request of the target user to obtain corresponding encrypted data;

and sending the encrypted data to the sender of the transaction request so that the sender of the transaction request executes the transaction operation corresponding to the transaction request on the transaction account based on a preset transaction plug-in after decrypting the encrypted data.

Further, before the displaying a transaction request for a target user wearing a virtual reality device and collecting iris information of a current user, the method further comprises:

acquiring iris standard information input by a target user of the virtual reality equipment, and receiving standard voiceprint information input by the user;

extracting account information of at least one transaction account of the target user from the standard voiceprint information;

and storing the iris standard information of the target user and account information of at least one transaction account of the target user.

Further, still include:

and receiving transaction operation result data returned by the sender of the transaction request, and displaying the transaction operation result data in the virtual reality equipment.

In a second aspect, the present application provides a transaction authorization apparatus comprising:

the authentication module is used for displaying a transaction request aiming at a target user wearing the virtual reality equipment and acquiring iris information of the current user;

the verification module is configured to determine the current user as the target user and send verification information to the target user if the iris information of the current user is the same as the pre-stored iris standard information of the target user, where the verification information includes: at least one transaction account number pre-stored by the target user and a random verification code uniquely corresponding to the transaction account number;

and the input module is used for receiving voiceprint information input by the target user based on the verification information, and if any random verification code in the verification information and a transaction authorization instruction aiming at the transaction request are extracted from the voiceprint information, executing transaction operation corresponding to the transaction request on a transaction account corresponding to the extracted random verification code.

In a third aspect, the present application provides a virtual reality device, comprising: the system comprises a transaction authorization device, a display screen, a voiceprint collector and an iris image collector, wherein the display screen, the voiceprint collector and the iris image collector are respectively in communication connection with the transaction authorization device;

the transaction authorization device is used for executing the transaction authorization method;

the display screen is used for displaying a transaction request aiming at a target user;

the voiceprint collector is used for collecting voiceprint information input by the target user based on the verification information;

the iris image collector is used for collecting iris information of a current user.

In a fourth aspect, the present application provides an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the transaction authorization method when executing the computer program.

In a fifth aspect, the present application provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the transaction authorization method described.

According to the technical scheme, the transaction authorization method, the transaction authorization device and the virtual reality equipment provided by the application comprise the following steps: displaying a transaction request for a target user wearing virtual reality equipment and acquiring iris information of a current user; if the iris information of the current user is the same as the pre-stored iris standard information of the target user, determining the current user as the target user, and sending verification information to the target user, wherein the verification information comprises: at least one transaction account number pre-stored by the target user and a random verification code uniquely corresponding to the transaction account number; receiving voiceprint information input by the target user based on the verification information, if any random verification code in the verification information and a transaction authorization instruction aiming at the transaction request are extracted from the voiceprint information, executing transaction operation corresponding to the transaction request on a transaction account corresponding to the extracted random verification code, and performing user identity authentication by acquiring iris information of the current user, wherein iris features of human eyes are acquired by an iris recognition technology, are isolated from the outside, are not damaged by other substances, have strong stability, and are not easy to forge because the iris of the human body exists in the human body; the iris is an annular part positioned between the black pupil and the white sclera, and the characteristics of spots, thin lines, coronaries, stripes, crypts and the like which are staggered with each other in the iris have strong identifiability and strong anti-interference performance; the iris texture features are fine and are difficult to forge through an operation method; iris formation is not affected by genetic inheritance, even though the iris possessed by a homozygote twin or two eyes of the same person is irrelevant; the efficiency, the safety and the accuracy of identity authentication of the user using the virtual reality equipment can be effectively improved, and the convenience of identity authentication of the target user wearing the virtual reality equipment can be effectively improved; whether the target user receives the transaction request is verified in a random verification code mode, the transaction mode is combined with the random verification code, multiple transaction modes can be selected for transaction, and the effectiveness and safety of transaction verification can be effectively improved; whether the user authorizes the transaction or not is acquired through the voiceprint technology, the efficiency of authorizing the transaction or rejecting the transaction of the user wearing the virtual reality device can be effectively improved, the efficiency and the reliability of the transaction authorization process can be effectively improved, the transaction authorization cost is effectively reduced, and the convenience of authorizing the transaction or rejecting the transaction of the user can be effectively improved.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1 is a first flowchart of a transaction authorization method in an embodiment of the present application.

Fig. 2 is a second flowchart of a transaction authorization method in an embodiment of the present application.

Fig. 3 is a third flowchart of a transaction authorization method in an embodiment of the present application.

Fig. 4 is a fourth flowchart of a transaction authorization method in the embodiment of the present application.

Fig. 5 is a fifth flowchart of a transaction authorization method in an embodiment of the present application.

Fig. 6 is a sixth flowchart of a transaction authorization method in an embodiment of the present application.

Fig. 7 is a seventh flowchart of a transaction authorization method in the embodiment of the present application.

Fig. 8 is an eighth flowchart of a transaction authorization method in the embodiment of the present application.

Fig. 9 is a schematic structural diagram of a transaction authorization apparatus in an embodiment of the present application.

Fig. 10 is a schematic structural diagram of a virtual reality device in an embodiment of the present application.

Fig. 11 is a logic diagram of a voiceprint + iris recognition technology payment authorization system in an application example of the application.

Fig. 12 is a schematic structural diagram of voiceprint + iris technology payment authorization VR glasses in an application example of the present application.

FIG. 13 is a schematic diagram of a voiceprint data entry workflow in an example application of the present application.

Fig. 14 is an iris data entry workflow diagram in an application example of the present application.

Fig. 15 is a schematic diagram of a payment authorization workflow in an application example of the present application.

Fig. 16 is a schematic structural diagram of an electronic device in the embodiment of the present application.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

It should be noted that the transaction authorization method, the transaction authorization device, and the virtual reality apparatus disclosed in the present application relate to the field of biometric identification technology, may also be used in the field of financial technology, and may also be used in any field other than the fields of biometric identification technology and financial technology.

Taking the electronic game industry as an example, the electronic game industry develops rapidly, and the industry scale growth is obvious. And in recent years, the sales revenue of the electronic game industry is steadily increasing. In the field of electronic games, VR games will become a key innovation field of the future game industry, and VR glasses will be a new explosive growth point of the future game industry. Most VR glasses can only simulate virtual game scenes at the present stage, and the mobile payment field is not touched. The mobile payment at the present stage has the problems that the mobile payment cannot be applied to virtual reality equipment, the operation cost is high, the convenience is poor or the safety is low and the like after years of evolution.

Based on the above, the present application provides a transaction authorization method, a transaction authorization device, a virtual reality device, an electronic device, and a computer readable storage medium, respectively, through collecting iris information of a current user to perform user identity authentication, iris features of human eyes are obtained by an iris recognition technology, are isolated from the outside, are not damaged by other substances, have strong stability, and are recognized based on the iris of a human body, exist inside the human body, and are not easy to counterfeit; the iris is an annular part positioned between the black pupil and the white sclera, and the characteristics of spots, thin lines, coronaries, stripes, crypts and the like which are staggered with each other in the iris have strong identifiability and strong anti-interference performance; the iris texture features are fine and are difficult to forge through an operation method; iris formation is not affected by genetic inheritance, even though the iris possessed by a homozygote twin or two eyes of the same person is irrelevant; the efficiency, the safety and the accuracy of identity authentication of the user using the virtual reality equipment can be effectively improved, and the convenience of identity authentication of the target user wearing the virtual reality equipment can be effectively improved; whether the target user receives the transaction request is verified in a random verification code mode, the transaction mode is combined with the random verification code, multiple transaction modes can be selected for transaction, and the effectiveness and safety of transaction verification can be effectively improved; whether the user authorizes the transaction or not is acquired through the voiceprint technology, the efficiency of authorizing the transaction or rejecting the transaction of the user wearing the virtual reality device can be effectively improved, the efficiency and the reliability of the transaction authorization process can be effectively improved, the transaction authorization cost is effectively reduced, and the convenience of authorizing the transaction or rejecting the transaction of the user can be effectively improved.

Based on the above, the present application further provides a transaction authorization apparatus for implementing the transaction authorization method provided in one or more embodiments of the present application, where the transaction authorization apparatus may be in communication connection with a client device, a financial institution, an electronic game company system, and the like by itself or through a third-party server, and the like, so as to receive a transaction authorization request sent by the client device, the financial institution, and the electronic game company system, and display the transaction authorization request on a display screen in a virtual reality device in which the transaction authorization apparatus is locally located, where in an example, the virtual reality device may be a VR glasses. Virtual reality technology VR is a computer simulation system that can create and experience a virtual world, and uses a computer to create a simulated environment in which a user is immersed. The virtual reality technology is to combine electronic signals generated by computer technology with data in real life to convert the electronic signals into phenomena which can be felt by people, wherein the phenomena can be true and true objects in reality or substances which can not be seen by the naked eyes, and the phenomena are expressed by a three-dimensional model. These phenomena are called virtual reality because they are not directly visible but a real world simulated by computer technology.

It is understood that the client devices may include smart phones, tablet electronic devices, network set-top boxes, portable computers, desktop computers, Personal Digital Assistants (PDAs), in-vehicle devices, smart wearable devices, and the like. Wherein, intelligence wearing equipment can include intelligent glasses, intelligent wrist-watch, intelligent bracelet etc..

The transaction authorization device may be a server or a client device, i.e. all operations are performed in the client device. If all operations are performed in the client device, the client device may further include a processor for detailed processing of transaction authorization. In another practical application scenario, the selection may be specifically performed according to the processing capability of the client device, the limitation of the user usage scenario, and the like. This is not a limitation of the present application.

The client device may have a communication module (i.e., a communication unit), and may be communicatively connected to a remote server to implement data transmission with the server. The server may include a server on the task scheduling center side, and in other implementation scenarios, the server may also include a server on an intermediate platform, for example, a server on a third-party server platform that is communicatively linked to the task scheduling center server. The server may include a single computer device, or may include a server cluster formed by a plurality of servers, or a server structure of a distributed apparatus.

The server and the client device may communicate using any suitable network protocol, including network protocols not yet developed at the filing date of this application. The network protocol may include, for example, a TCP/IP protocol, a UDP/IP protocol, an HTTP protocol, an HTTPS protocol, or the like. Of course, the network Protocol may also include, for example, an RPC Protocol (Remote Procedure Call Protocol), a REST Protocol (Representational State Transfer Protocol), and the like used above the above Protocol.

The following embodiments and application examples are specifically and individually described in detail.

In order to improve convenience and security of transaction authorization when wearing virtual reality equipment, the present application provides an embodiment of a transaction authorization method, and referring to fig. 1, the transaction authorization method executed by a transaction authorization device in the virtual reality equipment specifically includes the following contents:

step 100: displaying a transaction request for a target user wearing the virtual reality device and collecting iris information of a current user.

In step 100, after receiving a transaction authorization request sent by a client device, a financial institution, and an electronic game company system, the transaction authorization request may be displayed on a display screen, such as a VR lens, of a virtual reality device where the transaction authorization device is located locally, and then an iris image of a user is acquired by an iris image acquisition device, and an inner and outer boundary of the iris are acquired, where the inner boundary of the iris is an outer pupil circle and the outer boundary of the iris is an outer sclera circle.

The payment authorization instruction, the authorization identification result and other information can be displayed in the VR lens, the instruction data interconnection and intercommunication are carried out by adopting a near field communication technology, and the data information is reversely transmitted to the payment plug-in part of the VR processing module to complete payment after the data comparison is consistent.

Specifically, an iris collector of a preset iris recognition processing module can be triggered to collect iris images of the user; adjusting the iris image of the user to a standard size through a preset iris image normalization processor; extracting iris standardized data through a preset iris image data processing chip; and storing the read data information in a data information memory.

Step 200: if the iris information of the current user is the same as the pre-stored iris standard information of the target user, determining the current user as the target user, and sending verification information to the target user, wherein the verification information comprises: at least one transaction account number pre-stored by the target user and a random verification code uniquely corresponding to the transaction account number.

In step 200, the obtained iris information of the current user and the locally pre-stored iris standard information of the target user are obtained, where the target user refers to a holding user or an authorized user of the current virtual reality device. Judging whether the iris information of the current user is the same as the pre-stored iris standard information of the target user based on a preset iris information comparison rule, where the same mentioned in one or more embodiments of the present application may mean completely the same, and may be that the iris information of the current user is the same as the pre-stored iris standard information of the target user when the similarity between the iris information of the current user and the pre-stored iris standard information of the target user is greater than a preset threshold, for example, if the similarity between the iris information of the current user and the pre-stored iris standard information of the target user is 99% and greater than 95% of the preset threshold, it may be determined that the iris information of the current user is the same as the pre-stored iris standard information of the target user, and then the current user is determined as a holding user or an authorized user of the virtual reality device, that is, it is determined that the current user has the, and then sending verification information to the target user to acquire the execution willingness of the target user to the current transaction and carrying out transaction confirmation verification on the user again.

Step 300: and receiving voiceprint information input by the target user based on the verification information, and if any random verification code in the verification information and a transaction authorization instruction aiming at the transaction request are extracted from the voiceprint information, executing transaction operation corresponding to the transaction request on a transaction account corresponding to the extracted random verification code.

In step 300, the voiceprint information entered by the target user based on the verification information may be an "authorized payment instruction + account number associated random verification code" or a "payment refusal instruction", and if the voiceprint information entered by the target user is the "authorized payment instruction + account number associated random verification code", the transaction authorization apparatus extracts any random verification code in the verification information and the transaction authorization instruction for the transaction request from the voiceprint information, further confirms the transaction execution, and executes the transaction operation corresponding to the transaction request for the transaction account number corresponding to the extracted random verification code.

As can be seen from the above description, the transaction authorization method provided in the embodiment of the present application performs user identity authentication by collecting iris information of a current user, and the iris recognition technology obtains iris features of human eyes, is isolated from the outside, is not damaged by other substances, has strong stability, and is not easy to counterfeit because the iris of the human body exists inside the human body; the iris is an annular part positioned between the black pupil and the white sclera, and the characteristics of spots, thin lines, coronaries, stripes, crypts and the like which are staggered with each other in the iris have strong identifiability and strong anti-interference performance; the iris texture features are fine and are difficult to forge through an operation method; iris formation is not affected by genetic inheritance, even though the iris possessed by a homozygote twin or two eyes of the same person is irrelevant; the efficiency, the safety and the accuracy of identity authentication of the user using the virtual reality equipment can be effectively improved, and the convenience of identity authentication of the target user wearing the virtual reality equipment can be effectively improved; whether the target user receives the transaction request is verified in a random verification code mode, the transaction mode is combined with the random verification code, multiple transaction modes can be selected for transaction, and the effectiveness and safety of transaction verification can be effectively improved; whether the user authorizes the transaction or not is acquired through the voiceprint technology, the efficiency of authorizing the transaction or rejecting the transaction of the user wearing the virtual reality device can be effectively improved, the efficiency and the reliability of the transaction authorization process can be effectively improved, and the convenience of authorizing the transaction or rejecting the transaction of the user can be effectively improved.

In order to provide a preferred way to acquire the iris, in an embodiment of the transaction authorization method provided in the present application, referring to fig. 2, step 100 of the transaction authorization method specifically includes the following contents:

step 110: displaying a transaction request for a target user in the virtual reality device.

Step 120: and acquiring the iris digital image of the current user by using the virtual reality equipment.

Step 130: and carrying out normalization processing on the iris digital image to form an iris image meeting the requirements of a preset standard.

Step 140: and extracting the features of the iris image based on a preset iris feature extraction rule to obtain corresponding iris information.

As can be seen from the above description, in the transaction authorization method provided in the embodiment of the present application, the virtual reality device is applied to acquire the digital iris image of the current user; normalizing the iris digital image to form an iris image meeting the requirement of a preset standard; based on preset iris feature extraction rule right the iris image carries out feature extraction, can effectively guarantee validity and reliability of the iris information who gathers, and then can effectively improve the efficiency, security and the accuracy of carrying out authentication to the user of virtual reality equipment to can effectively improve the target user who dresses virtual reality equipment's authentication convenience.

In order to provide a preferred way of sending the verification information, in an embodiment of the transaction authorization method provided in the present application, referring to fig. 3, step 200 of the transaction authorization method specifically includes the following contents:

step 210: if the iris information of the current user is the same as the pre-stored iris standard information of the target user, determining the current user as the target user; and calling all transaction account numbers of the target users which are prestored locally.

Step 220: and respectively generating random verification codes which are in one-to-one correspondence with the transaction account numbers on the basis of a preset verification code generation mode so as to generate corresponding verification messages.

Step 230: and sending a short message containing the verification message to the client equipment of the target user.

As can be seen from the above description, according to the transaction authorization method provided in the embodiment of the application, all transaction account numbers of the target user are called and the verification message is generated, so that the user can choose one of the pre-stored transaction account numbers to perform a transaction, and thus the intelligence degree and convenience of the transaction authorization process can be effectively improved, and the user experience can be effectively improved.

In order to provide a preferred way of collecting voiceprints, in an embodiment of the transaction authorization method provided in the present application, referring to fig. 4, the step 300 of the transaction authorization method specifically includes the following contents:

step 310: acquiring voiceprint data of the target user based on the virtual reality equipment;

step 320: amplifying the voiceprint data by using a sound wave amplifier;

step 330: and carrying out standardization processing on the amplified voiceprint data according to a preset voiceprint standardization conversion rule to obtain corresponding voiceprint information.

Step 340: and if any random verification code in the verification information and a transaction authorization instruction aiming at the transaction request are extracted from the voiceprint information, executing the transaction operation corresponding to the transaction request on the transaction account corresponding to the extracted random verification code.

As can be seen from the above description, in the transaction authorization method provided in the embodiment of the present application, the voiceprint data is amplified by using the acoustic amplifier; the amplified voiceprint data are subjected to standardized processing according to a preset voiceprint standardized conversion rule, so that the efficiency, reliability and effectiveness of voiceprint collection can be effectively improved, the efficiency of transaction authorization or transaction rejection of a user wearing virtual reality equipment can be effectively improved, the efficiency and reliability of a transaction authorization process can be effectively improved, and the convenience of transaction authorization or transaction rejection of the user can be effectively improved.

In order to provide a situation of unauthorized transaction, in an embodiment of the transaction authorization method provided in the present application, referring to fig. 5, the following is further included after step 330 of the transaction authorization method:

step 350: and if any random verification code in the verification information is not extracted from the voiceprint information, or if a transaction rejection instruction aiming at the transaction request is extracted from the voiceprint information, displaying transaction termination information aiming at the transaction request in the virtual reality equipment.

As can be seen from the above description, in the transaction authorization method provided in the embodiment of the present application, when the user rejects the transaction, the transaction termination information for the transaction request is displayed in the virtual reality device, so that the applicability and the comprehensiveness of the transaction authorization process can be effectively improved, the intelligent degree of the transaction authorization process can be effectively improved, and the user experience is improved.

In order to provide a preferred manner of transaction operation, in an embodiment of the transaction authorization method provided in the present application, referring to fig. 6, step 340 of the transaction authorization method specifically includes the following steps:

step 341: if any random verification code in the verification information and the transaction authorization instruction aiming at the transaction request are extracted from the voiceprint information, the transaction account corresponding to the extracted random verification code and the transaction request of the target user are subjected to data encryption to obtain corresponding encrypted data.

Step 342: and sending the encrypted data to the sender of the transaction request so that the sender of the transaction request executes the transaction operation corresponding to the transaction request on the transaction account based on a preset transaction plug-in after decrypting the encrypted data.

As can be seen from the above description, the transaction authorization method provided in the embodiment of the present application can effectively improve the security, reliability, and effectiveness of the transaction process after the transaction authorization by encrypting and outputting the information to the transaction plug-in of the transaction request submitting party.

In order to provide a preferred way to pre-enter user data, in an embodiment of the transaction authorization method provided in the present application, referring to fig. 7, step 100 of the transaction authorization method specifically includes the following steps:

step 010: and acquiring iris standard information input by a target user of the virtual reality equipment, and receiving standard voiceprint information input by the user.

Step 020: and extracting account information of at least one transaction account of the target user from the standard voiceprint information.

Step 030: and storing the iris standard information of the target user and account information of at least one transaction account of the target user.

As can be seen from the above description, in the transaction authorization method provided in the embodiment of the present application, the iris standard information of the user and the account information of at least one transaction account of the target user are stored in advance in a form of voiceprint information entry, so that efficiency and reliability of a transaction authorization process can be effectively improved, and convenience of the user in performing transaction authorization or rejecting a transaction can be effectively improved.

In order to provide a preferred mode after the transaction is successful, referring to fig. 8, an embodiment of the transaction authorization method provided in the present application, after step 340 of the transaction authorization method, the following is further included:

step 400: and receiving transaction operation result data returned by the sender of the transaction request, and displaying the transaction operation result data in the virtual reality equipment.

As can be seen from the above description, in the transaction authorization method provided in the embodiment of the present application, after receiving the transaction operation result data returned by the sender of the transaction request, the transaction operation result data is displayed in the virtual reality device, so that efficiency and convenience of obtaining a transaction result by a user can be effectively improved, and user experience is effectively improved.

In terms of software, in order to simultaneously improve the convenience and security of transaction authorization when wearing virtual reality equipment, the present application provides an embodiment of a transaction authorization apparatus for executing all or part of the contents of the transaction authorization method, and referring to fig. 9, the transaction authorization apparatus specifically includes the following contents:

and the authentication module 10 is used for displaying a transaction request aiming at a target user wearing the virtual reality equipment and acquiring iris information of the current user.

In the authentication module 10, after receiving a transaction authorization request sent by a client device, a financial institution, and an electronic game company system, the transaction authorization request may be displayed on a display screen, such as a VR lens, in a virtual reality device where the transaction authorization device is locally located, and then an iris image of a user is acquired by an iris image acquirer, and an inner and outer boundary of the iris is acquired, where the inner boundary of the iris is an outer pupil circle and the outer boundary of the iris is an outer sclera circle.

The verification module 20 is configured to determine the current user as the target user and send verification information to the target user if the iris information of the current user is the same as the pre-stored iris standard information of the target user, where the verification information includes: at least one transaction account number pre-stored by the target user and a random verification code uniquely corresponding to the transaction account number.

In the verification module 20, the obtained iris information of the current user and the locally pre-stored iris standard information of the target user, where the target user refers to a holding user or an authorized user of the current virtual reality device. Judging whether the iris information of the current user is the same as the pre-stored iris standard information of the target user based on a preset iris information comparison rule, where the same mentioned in one or more embodiments of the present application may mean completely the same, and may be that the iris information of the current user is the same as the pre-stored iris standard information of the target user when the similarity between the iris information of the current user and the pre-stored iris standard information of the target user is greater than a preset threshold, for example, if the similarity between the iris information of the current user and the pre-stored iris standard information of the target user is 99% and greater than 95% of the preset threshold, it may be determined that the iris information of the current user is the same as the pre-stored iris standard information of the target user, and then the current user is determined as a holding user or an authorized user of the virtual reality device, that is, it is determined that the current user has the, and then sending verification information to the target user to acquire the execution willingness of the target user to the current transaction and carrying out transaction confirmation verification on the user again.

And the entry module 30 is configured to receive voiceprint information entered by the target user based on the verification information, and if any random verification code in the verification information and a transaction authorization instruction for the transaction request are extracted from the voiceprint information, execute a transaction operation corresponding to the transaction request on a transaction account corresponding to the extracted random verification code.

In the entry module 30, the voiceprint information entered by the target user based on the verification information may be an "authorized payment instruction + account number associated random verification code" or a "payment refusal instruction", and if the voiceprint information entered by the target user is the "authorized payment instruction + account number associated random verification code", the transaction authorization apparatus extracts any random verification code in the verification information and the transaction authorization instruction for the transaction request from the voiceprint information, further confirms the transaction execution, and executes the transaction operation corresponding to the transaction request for the transaction account number corresponding to the extracted random verification code.

The embodiment of the transaction authorization apparatus provided in the present application may be specifically configured to execute the processing flow of the embodiment of the transaction authorization method in the foregoing embodiment, and the functions of the processing flow are not described herein again, and reference may be made to the detailed description of the embodiment of the method.

As can be seen from the above description, the transaction authorization device provided in the embodiment of the present application performs user identity authentication by collecting iris information of a current user, and the iris recognition technology obtains iris features of human eyes, is isolated from the outside, is not damaged by other substances, has strong stability, and is not easy to counterfeit because the iris of the human body exists inside the human body; the iris is an annular part positioned between the black pupil and the white sclera, and the characteristics of spots, thin lines, coronaries, stripes, crypts and the like which are staggered with each other in the iris have strong identifiability and strong anti-interference performance; the iris texture features are fine and are difficult to forge through an operation method; iris formation is not affected by genetic inheritance, even though the iris possessed by a homozygote twin or two eyes of the same person is irrelevant; the efficiency, the safety and the accuracy of identity authentication of the user using the virtual reality equipment can be effectively improved, and the convenience of identity authentication of the target user wearing the virtual reality equipment can be effectively improved; whether the target user receives the transaction request is verified in a random verification code mode, the transaction mode is combined with the random verification code, multiple transaction modes can be selected for transaction, and the effectiveness and safety of transaction verification can be effectively improved; whether the user authorizes the transaction or not is acquired through the voiceprint technology, the efficiency of authorizing the transaction or rejecting the transaction of the user wearing the virtual reality device can be effectively improved, the efficiency and the reliability of the transaction authorization process can be effectively improved, and the convenience of authorizing the transaction or rejecting the transaction of the user can be effectively improved.

In order to provide a preferred way to acquire an iris, in an embodiment of the transaction authorization apparatus provided in the present application, the authentication module 10 of the transaction authorization apparatus is specifically configured to perform the following:

As can be seen from the above description, the transaction authorization apparatus provided in the embodiment of the present application acquires the digital iris image of the current user by using the virtual reality device; normalizing the iris digital image to form an iris image meeting the requirement of a preset standard; based on preset iris feature extraction rule right the iris image carries out feature extraction, can effectively guarantee validity and reliability of the iris information who gathers, and then can effectively improve the efficiency, security and the accuracy of carrying out authentication to the user of virtual reality equipment to can effectively improve the target user who dresses virtual reality equipment's authentication convenience.

In order to provide a preferred way of sending the verification information, in an embodiment of the transaction authorization apparatus provided in the present application, the verification module 20 of the transaction authorization apparatus is specifically configured to perform the following:

As can be seen from the above description, the transaction authorization device provided in the embodiment of the application enables a user to optionally select one of the pre-stored transaction account numbers for transaction by calling all the transaction account numbers of the target user and generating the verification message, so that the intelligent degree and convenience of the transaction authorization process can be effectively improved, and the user experience can be effectively improved.

In order to provide a preferred way of collecting voiceprints, in an embodiment of the transaction authorization apparatus provided in the present application, the entry module 30 of the transaction authorization apparatus is specifically configured to execute the following:

step 320: amplifying the voiceprint data by using a sound wave amplifier;

As can be seen from the above description, the transaction authorization apparatus provided in the embodiment of the present application amplifies the voiceprint data by using the acoustic amplifier; the amplified voiceprint data are subjected to standardized processing according to a preset voiceprint standardized conversion rule, so that the efficiency, reliability and effectiveness of voiceprint collection can be effectively improved, the efficiency of transaction authorization or transaction rejection of a user wearing virtual reality equipment can be effectively improved, the efficiency and reliability of a transaction authorization process can be effectively improved, and the convenience of transaction authorization or transaction rejection of the user can be effectively improved.

In order to provide a situation of unauthorized transaction, in an embodiment of the transaction authorization apparatus provided in the present application, the transaction authorization apparatus is further specifically configured to perform the following:

As can be seen from the above description, the transaction authorization apparatus provided in the embodiment of the present application displays the transaction termination information for the transaction request in the virtual reality device when the user rejects the transaction, so that the application universality and comprehensiveness of the transaction authorization process can be effectively improved, the intelligent degree of the transaction authorization process can be effectively improved, and the user experience is improved.

In order to provide a preferred mode of transaction operation, in an embodiment of the transaction authorization apparatus provided in the present application, the transaction authorization apparatus is further specifically configured to execute the following:

As can be seen from the above description, the transaction authorization apparatus provided in the embodiment of the present application can effectively improve the security, reliability, and effectiveness of the transaction process after the transaction authorization by encrypting and outputting the information to the transaction plug-in of the transaction request submitting party.

In order to provide a preferred way to pre-enter user data, in an embodiment of the transaction authorization apparatus provided in the present application, the transaction authorization apparatus is further specifically configured to execute the following:

As can be seen from the above description, the transaction authorization apparatus provided in the embodiment of the present application stores the iris standard information of the user and the account information of at least one transaction account of the target user in a form of voice print information entry in advance, so as to effectively improve the efficiency and reliability of a transaction authorization process, and effectively improve the convenience of the user in performing transaction authorization or rejecting a transaction.

In order to provide a preferred mode after the transaction is successful, in an embodiment of the transaction authorization apparatus provided in the present application, the transaction authorization apparatus is further specifically configured to execute the following:

As can be seen from the above description, the transaction authorization apparatus provided in the embodiment of the present application displays the transaction operation result data in the virtual reality device after receiving the transaction operation result data returned by the sender of the transaction request, so that efficiency and convenience of obtaining a transaction result by a user can be effectively improved, and user experience is effectively improved.

Based on the above embodiment of the transaction authorization apparatus or the transaction authorization method, the present application further provides an embodiment of a virtual reality device, which is shown in fig. 10, where the virtual reality device specifically includes the following contents:

the system comprises a transaction authorization device, a display screen, a voiceprint collector and an iris image collector, wherein the display screen, the voiceprint collector and the iris image collector are respectively in communication connection with the transaction authorization device; the display screen is used for displaying a transaction request aiming at a target user; the voiceprint collector is used for collecting voiceprint information input by the target user based on the verification information; the iris image collector is used for collecting iris information of a current user, and the transaction authorization device is used for executing the transaction authorization method, for example:

It can be understood that the virtual reality device may be a VR glasses device, and functional modules such as an energy support module may be further provided in the virtual reality device.

As can be seen from the above description, the virtual reality device provided in the embodiment of the present application performs user identity authentication by collecting iris information of a current user, and the iris recognition technology obtains iris features of human eyes, is isolated from the outside, is not damaged by other substances, has strong stability, and is not easy to counterfeit because the iris of the human body exists inside the human body; the iris is an annular part positioned between the black pupil and the white sclera, and the characteristics of spots, thin lines, coronaries, stripes, crypts and the like which are staggered with each other in the iris have strong identifiability and strong anti-interference performance; the iris texture features are fine and are difficult to forge through an operation method; iris formation is not affected by genetic inheritance, even though the iris possessed by a homozygote twin or two eyes of the same person is irrelevant; the efficiency, the safety and the accuracy of identity authentication of the user using the virtual reality equipment can be effectively improved, and the convenience of identity authentication of the target user wearing the virtual reality equipment can be effectively improved; whether the target user receives the transaction request is verified in a random verification code mode, the transaction mode is combined with the random verification code, multiple transaction modes can be selected for transaction, and the effectiveness and safety of transaction verification can be effectively improved; whether the user authorizes the transaction or not is acquired through the voiceprint technology, the efficiency of authorizing the transaction or rejecting the transaction of the user wearing the virtual reality device can be effectively improved, the efficiency and the reliability of the transaction authorization process can be effectively improved, and the convenience of authorizing the transaction or rejecting the transaction of the user can be effectively improved.

For further description, the present application further provides a specific application example of the transaction authorization method, and the application example relates to the fields of biometric identification, VR technology and remote authorization technology, and more particularly relates to a portable medium and method integrating biometric identification technology, encrypted transmission technology and payment authorization technology.

The application example of the application provides a medium for providing portable payment authorization for banks, game industries and consumers, improves the value of bank services from three aspects of scenes, efficiency and safety, and promotes the application of leading-edge technologies such as biological identification, authorized payment and the like in the authorization fields such as payment and the like. The medium provides a portable and simple payment authorization medium, traditional VR glasses are upgraded to authorization payment media, and the medium has the advantages of high anti-counterfeiting performance, rapid identification, rapid authorization and the like. The user-related sensitive identity authentication information is encrypted and stored in a data information storage with safety, and meanwhile, the account information can be quickly input, checked and modified by combining voiceprint recognition, so that the user can quickly input and modify the information to the maximum extent, and the safety of the user account can be guaranteed.

The payment authorization medium based on the voiceprint and iris technology is provided for improving the safety, convenience and identification accuracy of the payment authorization medium and ensuring the privacy of user identity sensitive information. The application example of the application specifically comprises the following contents:

referring to fig. 11, the VR glasses for payment and authorization based on voiceprint and iris technology and the game display module together form a voiceprint and iris recognition technology payment and authorization system provided by the application example of the present application.

Based on the voiceprint and iris technology payment authorization VR glasses 100 as a core component of the whole system, firstly, a user inputs user account related information and iris information through a voiceprint processing module and an iris recognition processing module. Secondly, the user acquires displayed payment request information through a VR processing module, and after the iris image of the user is collected through iris recognition medium payment authorization, the user performs normalization processing and standardization processing, the collected iris image is compared with a prestored iris information image to complete a payment authorization instruction, if the comparison is consistent, a short message sending module is triggered to send the account number and random verification code association information to a user reserved mobile phone number, and the user reads the verification code through a voiceprint processing module to select the account number for payment so as to complete payment.

1. Iris recognition payment authorization medium

Referring to fig. 12, the voiceprint + iris technology based payment authorization VR glasses 100 are composed of six parts, i.e., an iris recognition processing module 101, a VR processing module 102, a voiceprint processing module 103, an energy support module 104, a data processing module 105, and an encryption processing module 106. The user uses the payment authorization medium of the application example to obtain a payment request from a game display module or other terminals through an encryption transmission technology of an encryption processing module 106 and displays the payment request in a VR processing module 102, the iris recognition processing module 101 is responsible for collecting and unifying iris images of the user, the processed data is transmitted to a data processing module 105 for data comparison, if the comparison is consistent, a short message sending module is triggered to transmit information related to an account number and a random verification code to a user reserved mobile phone number, the user selects a payment account number through a voiceprint processing module 103, and an 'authorization payment instruction + account number related random verification code' or a 'payment refusal instruction' is transmitted to the game display module or other terminals through the encryption processing module 106 to complete payment. In addition, the energy support module 104 provides the necessary power support for the other modules in the medium.

1) Iris recognition processing module 101

The iris identification processing module 101 is mainly used for acquiring an iris digital image of a user through an iris image collector and collecting the inner boundary and the outer boundary of the iris, wherein the inner boundary of the iris is an outer pupil circle, and the outer boundary of the iris is an outer sclera circle;

the iris image normalization processor adjusts the collected iris influence to a standard size, transmits the processed standardized iris image to the data processing chip to extract necessary characteristic values, and transmits the acquired standardized iris image to the game display module and other payment terminals for data comparison through the wireless transmission module.

2) VR processing Module 102

The VR processing module 102 is mainly used for receiving information such as payment authorization instructions and authorization identification results of the game display module and other payment terminals, displaying the information in the VR lens, performing instruction data interconnection and intercommunication by adopting a near field communication technology, and reversely transmitting data information to a payment plug-in part of the VR processing module to complete payment after data comparison and consistency.

3) Voiceprint processing module 103

The voiceprint processing module 103 mainly functions as an important processing module for inputting account information and selecting account numbers. When a user inputs account information, a voiceprint collector collects voiceprints of the user, a short-term voiceprint is amplified through a voiceprint amplifier, and the account information read by the user is converted into standardized information through a short-term voiceprint processor. When the iris data of the user are in consistent contrast, the short message sending module is triggered, the verification code read by the user is converted into standardized information through the same process, and the standardized information is transmitted to the data processing module to complete selection.

4) Energy support module 104

The energy support module 104 is mainly used for providing necessary electric energy support, and as the medium can be worn on the person, solar energy can be theoretically obtained every day to obtain energy support.

5) Data processing module 105

The data processing module 105 is mainly used for receiving standardized information transmitted by the iris recognition processing module 101 and the voiceprint processing module 103 for comparison, when the compared iris information is consistent, the data processing module triggers the short message sending module to match the account number with the random verification code, and when a user reads a certain matched verification code, the voiceprint processing module 103 transmits the standard information to the data processing module 105 and transmits the standard information to the game display module or other terminals.

6) Encryption processing module 106

The main function of the encryption transmission module 106 is to interact with the game display module or other terminal information. Including sending the "authorization payment instruction + account number associated random verification code" or "payment instruction" of the data processing module 105 to the game display module and other payment terminals.

2. Data entry workflow

Referring to fig. 13, the voiceprint data entry workflow is as follows:

s1: a user initiates an account information input process at a game display module or other terminals;

s2: the user reads important information such as 'account name', 'account number', 'reserved mobile phone number' and the like; the read information is displayed on a VR glasses display; supporting the entry of a plurality of account numbers;

s3: storing the read data information in a data information memory through a data entry processor;

s4: if the entry information is found to be wrong, the user reads ' modification ' and confirms whether to re-enter ', and the user reads ' yes ' to enter a re-entry program.

Referring to fig. 14, the iris data entry workflow is as follows:

s1: a user initiates an iris information input process at a game display module or other terminals;

s2: triggering an iris collector of an iris identification processing module to collect iris images of the user;

s3: adjusting the iris image of the user to a standard size through an iris image normalization processor;

s4: extracting iris standardized data through an iris image data processing chip;

s5: and storing the read data information in a data information memory through a data entry processor.

Referring to fig. 15, the payment authorization workflow is as follows:

s1: a user initiates a payment process at the game display module and other payment terminals;

s2: sending a 'payment request instruction' to a biological recognition non-contact authorization medium through encryption transmission, and displaying a bill on a VR glasses display;

s3: triggering an iris collector of an iris identification processing module to collect iris images of the user;

s4: adjusting the collected iris image of the user to a standard size through an iris image normalization processor;

s5: extracting corresponding iris characteristics through a data processing chip and comparing the reserved iris information;

s6: if the iris information is not consistent in comparison, a 'payment refusal instruction' is generated "

S7: if the iris information is compared to be consistent, generating an authorized payment instruction;

s8: triggering a short message sending module, and sending random verification codes associated with different account numbers to a reserved mobile phone number;

s9: the user reads the selected verification code, and selects an account number associated with the verification code to read through the identification of the voiceprint processing module;

s10: and transmitting the random verification code associated with the 'authorized payment instruction + account number' or the 'payment refusal instruction' back to the game display module or other terminals through encrypted transmission.

In summary, the application example of the present application provides an application of the leading-edge technologies such as biometric identification and near field communication in the authorization field such as payment, and provides a portable, simple and convenient medium and method for implementing authentication and payment authorization. The complete payment authorization process can be independently completed through the steps of information acquisition, operation processing, encryption storage, result feedback and the like. Compared with other biological recognition media, the biological recognition medium has the following advantages:

1. the iris recognition technology obtains the iris characteristics of the human eyes, is isolated from the outside, is not damaged by other substances and has stronger stability.

2. The basis of the identification is the iris of the human body, and the iris exists in the human body, so that the human body is not easy to forge.

3. The iris is an annular part positioned between the black pupil and the white sclera, and the characteristics of spots, thin lines, coronaries, stripes, crypts and the like which are staggered in the iris are strong in identification and strong in anti-interference performance.

4. The texture features of the iris are fine and difficult to forge through an operation method.

5. Iris formation is not affected by genetic inheritance, even though the iris is not associated with a homozygote twin or with both eyes of the same person.

6. VR glasses provide the payment page display that more fuses into business scenes such as games, has complied with the development of the game trade.

7. The voiceprint processing module related in the application example is combined with the iris recognition processing module, the voiceprint processing module is responsible for entering account information, the iris recognition processing module is responsible for collecting iris information, and the safety and convenience of payment authorization are enhanced through multiple biological characteristics.

8. The application example of the application creatively combines the payment mode with the short message verification code, and can realize the selective payment of various payment modes.

In terms of hardware, in order to improve convenience and security of transaction authorization when wearing virtual reality equipment, the application provides an embodiment of an electronic device for implementing all or part of contents in the transaction authorization method, where the electronic device specifically includes the following contents:

fig. 16 is a schematic block diagram of a system configuration of an electronic device 9600 according to an embodiment of the present application. As shown in fig. 16, the electronic device 9600 can include a central processor 9100 and a memory 9140; the memory 9140 is coupled to the central processor 9100. Notably, this fig. 16 is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.

In one embodiment, the transaction authorization function may be integrated into the central processor. Wherein the central processor may be configured to control:

As can be seen from the above description, the electronic device provided in the embodiment of the present application performs user identity authentication by collecting iris information of a current user, and the iris recognition technology obtains iris features of human eyes, is isolated from the outside, is not damaged by other substances, has strong stability, and is not easy to counterfeit because the iris of a human body is identified and exists inside the human body; the iris is an annular part positioned between the black pupil and the white sclera, and the characteristics of spots, thin lines, coronaries, stripes, crypts and the like which are staggered with each other in the iris have strong identifiability and strong anti-interference performance; the iris texture features are fine and are difficult to forge through an operation method; iris formation is not affected by genetic inheritance, even though the iris possessed by a homozygote twin or two eyes of the same person is irrelevant; the efficiency, the safety and the accuracy of identity authentication of the user using the virtual reality equipment can be effectively improved, and the convenience of identity authentication of the target user wearing the virtual reality equipment can be effectively improved; whether the target user receives the transaction request is verified in a random verification code mode, the transaction mode is combined with the random verification code, multiple transaction modes can be selected for transaction, and the effectiveness and safety of transaction verification can be effectively improved; whether the user authorizes the transaction or not is acquired through the voiceprint technology, the efficiency of authorizing the transaction or rejecting the transaction of the user wearing the virtual reality device can be effectively improved, the efficiency and the reliability of the transaction authorization process can be effectively improved, and the convenience of authorizing the transaction or rejecting the transaction of the user can be effectively improved.

In another embodiment, the transaction authorization device may be configured separately from the central processor 9100, for example, the transaction authorization device may be configured as a chip connected to the central processor 9100, and the transaction authorization function is implemented under the control of the central processor.

As shown in fig. 16, the electronic device 9600 may further include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is noted that the electronic device 9600 also does not necessarily include all of the components shown in fig. 16; further, the electronic device 9600 may further include components not shown in fig. 16, which can be referred to in the related art.

As shown in fig. 16, a central processor 9100, sometimes referred to as a controller or operational control, can include a microprocessor or other processor device and/or logic device, which central processor 9100 receives input and controls the operation of the various components of the electronic device 9600.

The memory 9140 can be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 9100 can execute the program stored in the memory 9140 to realize information storage or processing, or the like.

The input unit 9120 provides input to the central processor 9100. The input unit 9120 is, for example, a key or a touch input device. Power supply 9170 is used to provide power to electronic device 9600. The display 9160 is used for displaying display objects such as images and characters. The display may be, for example, an LCD display, but is not limited thereto.

The memory 9140 can be a solid state memory, e.g., Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 9140 could also be some other type of device. Memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application/function storage portion 9142, the application/function storage portion 9142 being used for storing application programs and function programs or for executing a flow of operations of the electronic device 9600 by the central processor 9100.

The memory 9140 can also include a data store 9143, the data store 9143 being used to store data, such as contacts, digital data, pictures, sounds, and/or any other data used by an electronic device. The driver storage portion 9144 of the memory 9140 may include various drivers for the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging applications, contact book applications, etc.).

The communication module 9110 is a transmitter/receiver 9110 that transmits and receives signals via an antenna 9111. The communication module (transmitter/receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, which may be the same as in the case of a conventional mobile communication terminal.

Based on different communication technologies, a plurality of communication modules 9110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide audio output via the speaker 9131 and receive audio input from the microphone 9132, thereby implementing ordinary telecommunications functions. The audio processor 9130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 9130 is also coupled to the central processor 9100, thereby enabling recording locally through the microphone 9132 and enabling locally stored sounds to be played through the speaker 9131.

Embodiments of the present application further provide a computer-readable storage medium capable of implementing all steps in the transaction authorization method in the foregoing embodiments, where the computer-readable storage medium stores thereon a computer program, and when the computer program is executed by a processor, the computer program implements all steps of the transaction authorization method in which an execution subject is a server or a client, for example, when the processor executes the computer program, the processor implements the following steps:

As can be seen from the above description, the computer-readable storage medium provided in the embodiment of the present application performs user identity authentication by collecting iris information of a current user, and the iris recognition technology obtains iris features of human eyes, is isolated from the outside, is not damaged by other substances, has strong stability, and is not easy to counterfeit because the iris of a human body exists inside the human body; the iris is an annular part positioned between the black pupil and the white sclera, and the characteristics of spots, thin lines, coronaries, stripes, crypts and the like which are staggered with each other in the iris have strong identifiability and strong anti-interference performance; the iris texture features are fine and are difficult to forge through an operation method; iris formation is not affected by genetic inheritance, even though the iris possessed by a homozygote twin or two eyes of the same person is irrelevant; the efficiency, the safety and the accuracy of identity authentication of the user using the virtual reality equipment can be effectively improved, and the convenience of identity authentication of the target user wearing the virtual reality equipment can be effectively improved; whether the target user receives the transaction request is verified in a random verification code mode, the transaction mode is combined with the random verification code, multiple transaction modes can be selected for transaction, and the effectiveness and safety of transaction verification can be effectively improved; whether the user authorizes the transaction or not is acquired through the voiceprint technology, the efficiency of authorizing the transaction or rejecting the transaction of the user wearing the virtual reality device can be effectively improved, the efficiency and the reliability of the transaction authorization process can be effectively improved, and the convenience of authorizing the transaction or rejecting the transaction of the user can be effectively improved.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, apparatus, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein. The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (devices), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks. These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The principle and the implementation mode of the invention are explained by applying specific embodiments in the invention, and the description of the embodiments is only used for helping to understand the method and the core idea of the invention; meanwhile, for those skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should be understood as a limitation to the present invention.

Claims

1. A transaction authorization method, comprising:

2. The transaction authorization method according to claim 1, wherein the displaying of the transaction request for the target user wearing the virtual reality device and the collecting of iris information of the current user comprises:

3. The transaction authorization method according to claim 1, wherein said sending verification information to the target user comprises:

4. The transaction authorization method according to claim 1, wherein the receiving voiceprint information entered by the target user based on the authentication information comprises:

amplifying the voiceprint data by using a sound wave amplifier;

5. The transaction authorization method according to claim 1, further comprising, after the receiving voiceprint information entered by the target user based on the authentication information:

6. The transaction authorization method according to claim 1, wherein the executing of the transaction operation corresponding to the transaction request on the transaction account corresponding to the extracted random verification code includes:

7. The transaction authorization method according to claim 1, further comprising, before the displaying a transaction request for a target user wearing a virtual reality device and collecting iris information of a current user:

8. The transaction authorization method according to any of claims 1 to 7, characterized by further comprising:

9. A transaction authorization apparatus, comprising:

10. A virtual reality device, comprising: the system comprises a transaction authorization device, a display screen, a voiceprint collector and an iris image collector, wherein the display screen, the voiceprint collector and the iris image collector are respectively in communication connection with the transaction authorization device;

the transaction authorization apparatus is used for executing the transaction authorization method of any one of claims 1 to 8;

11. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the transaction authorization method of any of claims 1 to 8 when executing the computer program.

12. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the transaction authorization method according to any one of claims 1 to 8.