CN113095808A - Financial transaction information processing method and device - Google Patents
Financial transaction information processing method and device Download PDFInfo
- Publication number
- CN113095808A CN113095808A CN202110482512.6A CN202110482512A CN113095808A CN 113095808 A CN113095808 A CN 113095808A CN 202110482512 A CN202110482512 A CN 202110482512A CN 113095808 A CN113095808 A CN 113095808A
- Authority
- CN
- China
- Prior art keywords
- information
- financial transaction
- app
- client
- voiceprint
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 230000010365 information processing Effects 0.000 title claims abstract description 30
- 238000003672 processing method Methods 0.000 title claims abstract description 15
- 238000012545 processing Methods 0.000 claims abstract description 22
- 238000012544 monitoring process Methods 0.000 claims abstract description 17
- 238000000034 method Methods 0.000 claims abstract description 9
- 238000012795 verification Methods 0.000 claims description 56
- 238000012546 transfer Methods 0.000 claims description 29
- 238000004590 computer program Methods 0.000 claims description 13
- 238000013473 artificial intelligence Methods 0.000 abstract description 2
- 238000010586 diagram Methods 0.000 description 11
- 230000006870 function Effects 0.000 description 7
- 230000008014 freezing Effects 0.000 description 2
- 238000007710 freezing Methods 0.000 description 2
- GOLXNESZZPUPJE-UHFFFAOYSA-N spiromesifen Chemical compound CC1=CC(C)=CC(C)=C1C(C(O1)=O)=C(OC(=O)CC(C)(C)C)C11CCCC1 GOLXNESZZPUPJE-UHFFFAOYSA-N 0.000 description 2
- 230000008859 change Effects 0.000 description 1
- 238000004519 manufacturing process Methods 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 230000003287 optical effect Effects 0.000 description 1
- 230000002093 peripheral effect Effects 0.000 description 1
- 230000008569 process Effects 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Economics (AREA)
- Development Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a financial transaction information processing method and device, and relates to the technical field of artificial intelligence, wherein the method comprises the following steps: receiving financial transaction information sent by a bank background system, wherein the financial transaction information is sent by the bank background system after receiving a transaction instruction, and the transaction instruction is sent when a mobile bank APP monitors financial transaction operation after binding; monitoring second customer voiceprint information corresponding to the financial transaction information; comparing the first client voiceprint information, the second client voiceprint information and prestored voiceprint information; according to the comparison result, voiceprint recognition is carried out on the voiceprint information of the second client to obtain a corresponding intention keyword; and processing the financial transaction information according to the intention keywords. The invention can ensure the safety of customer information and account.
Description
Technical Field
The invention relates to the technical field of artificial intelligence, in particular to a financial transaction information processing method and device.
Background
The mobile phone bank APP of each current big bank has the message reminding function, also supports the manual freezing of carrying out the account of customer, but to the customer in the period of being at home, often can not look over the message of cell-phone always, can lead to being cracked at individual APP password, account is cracked, even lawless persons adopt under the condition that customer information has carried out the high-priced loan, the customer can't in time discover, causes the loss that can not predict, and the security is relatively poor.
Accordingly, there is a need for a financial transaction information processing scheme that can overcome the above-mentioned problems.
Disclosure of Invention
The embodiment of the invention provides a financial transaction information processing method, which is used for ensuring the safety of customer information and an account, and comprises the following steps:
receiving a binding request sent by a mobile phone bank APP; acquiring voiceprint information and a verification code of a first client according to the binding request; sending the first client voiceprint information and the verification code to a mobile phone bank APP; receiving a binding result fed back by the mobile phone bank APP according to the first client voiceprint information and the verification code, and binding the mobile phone bank APP according to the binding result, wherein the binding result is obtained after the mobile phone bank APP compares the first client voiceprint information with prestored voiceprint information of a bank background system and compares the verification code with a prestored verification code of the bank background system;
receiving financial transaction information sent by a bank background system, wherein the financial transaction information is sent by the bank background system after receiving a transaction instruction, and the transaction instruction is sent when a mobile banking APP monitors financial transaction operation after binding; monitoring second customer voiceprint information corresponding to the financial transaction information; comparing the first client voiceprint information, the second client voiceprint information and prestored voiceprint information; according to the comparison result, voiceprint recognition is carried out on the voiceprint information of the second client to obtain a corresponding intention keyword; and processing the financial transaction information according to the intention keywords.
The embodiment of the invention provides a financial transaction information processing device, which is used for ensuring the safety of customer information and accounts and comprises:
the binding module is used for receiving a binding request sent by a mobile banking APP; acquiring voiceprint information and a verification code of a first client according to the binding request; sending the first client voiceprint information and the verification code to a mobile phone bank APP; receiving a binding result fed back by the mobile phone bank APP according to the first client voiceprint information and the verification code, and binding the mobile phone bank APP according to the binding result, wherein the binding result is obtained after the mobile phone bank APP compares the first client voiceprint information with prestored voiceprint information of a bank background system and compares the verification code with a prestored verification code of the bank background system;
the processing module is used for receiving financial transaction information sent by a bank background system, the financial transaction information is sent by the bank background system after receiving a transaction instruction, and the transaction instruction is sent when a mobile banking APP monitors financial transaction operation after binding; monitoring second customer voiceprint information corresponding to the financial transaction information; comparing the first client voiceprint information, the second client voiceprint information and prestored voiceprint information; according to the comparison result, voiceprint recognition is carried out on the voiceprint information of the second client to obtain a corresponding intention keyword; and processing the financial transaction information according to the intention keywords.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the financial transaction information processing method when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, in which a computer program for executing the above financial transaction information processing method is stored.
The embodiment of the invention receives a binding request sent by a mobile phone bank APP; acquiring voiceprint information and a verification code of a first client according to the binding request; sending the first client voiceprint information and the verification code to a mobile phone bank APP; receiving a binding result fed back by the mobile phone bank APP according to the first client voiceprint information and the verification code, and binding the mobile phone bank APP according to the binding result, wherein the binding result is obtained after the mobile phone bank APP compares the first client voiceprint information with prestored voiceprint information of a bank background system and compares the verification code with a prestored verification code of the bank background system; receiving financial transaction information sent by a bank background system, wherein the financial transaction information is sent by the bank background system after receiving a transaction instruction, and the transaction instruction is sent when a mobile banking APP monitors financial transaction operation after binding; monitoring second customer voiceprint information corresponding to the financial transaction information; comparing the first client voiceprint information, the second client voiceprint information and prestored voiceprint information; according to the comparison result, voiceprint recognition is carried out on the voiceprint information of the second client to obtain a corresponding intention keyword; and processing the financial transaction information according to the intention keywords. The embodiment of the invention ensures the operation of the client by using the voiceprint recognition technology, carries out voiceprint recognition of the client more clearly and completely, obtains the corresponding intention keywords, and realizes financial transaction information processing according to the intention keywords, thereby effectively protecting the information security and fund security of the client.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a schematic diagram of a financial transaction information processing method according to an embodiment of the invention;
FIG. 2 is a block diagram of an exemplary financial transaction information processing apparatus according to the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
As mentioned above, in the current internet of things being built, devices such as smart speakers are increasingly updated, so that convenience is brought to high-tech enjoyment, and meanwhile, security of financial services still needs to be paid urgent attention.
In order to secure customer information and an account, an embodiment of the present invention provides a financial transaction information processing method, as shown in fig. 1, the method may include:
102, receiving financial transaction information sent by a bank background system, wherein the financial transaction information is sent by the bank background system after receiving a transaction instruction, and the transaction instruction is sent when a mobile banking APP monitors financial transaction operation after binding; monitoring second customer voiceprint information corresponding to the financial transaction information; comparing the first client voiceprint information, the second client voiceprint information and prestored voiceprint information; according to the comparison result, voiceprint recognition is carried out on the voiceprint information of the second client to obtain a corresponding intention keyword; and processing the financial transaction information according to the intention keywords.
As shown in fig. 1, in the embodiment of the present invention, a binding request sent by a mobile banking APP is received; acquiring voiceprint information and a verification code of a first client according to the binding request; sending the first client voiceprint information and the verification code to a mobile phone bank APP; receiving a binding result fed back by the mobile phone bank APP according to the first client voiceprint information and the verification code, and binding the mobile phone bank APP according to the binding result, wherein the binding result is obtained after the mobile phone bank APP compares the first client voiceprint information with prestored voiceprint information of a bank background system and compares the verification code with a prestored verification code of the bank background system; receiving financial transaction information sent by a bank background system, wherein the financial transaction information is sent by the bank background system after receiving a transaction instruction, and the transaction instruction is sent when a mobile banking APP monitors financial transaction operation after binding; monitoring second customer voiceprint information corresponding to the financial transaction information; comparing the first client voiceprint information, the second client voiceprint information and prestored voiceprint information; according to the comparison result, voiceprint recognition is carried out on the voiceprint information of the second client to obtain a corresponding intention keyword; and processing the financial transaction information according to the intention keywords. The embodiment of the invention ensures the operation of the client by using the voiceprint recognition technology, carries out voiceprint recognition of the client more clearly and completely, obtains the corresponding intention keywords, and realizes financial transaction information processing according to the intention keywords, thereby effectively protecting the information security and fund security of the client.
In the embodiment, a binding request sent by a mobile banking APP is received; acquiring voiceprint information and a verification code of a first client according to the binding request; sending the first client voiceprint information and the verification code to a mobile phone bank APP; and receiving a binding result fed back by the mobile phone bank APP according to the voiceprint information of the first client and the verification code, and binding the mobile phone bank APP according to the binding result, wherein the binding result is obtained after the mobile phone bank APP compares the voiceprint information of the first client with prestored voiceprint information of a bank background system and compares the verification code with the prestored verification code of the bank background system.
It should be noted that the functions in the embodiment of the present invention may be implemented on an intelligent device, such as an intelligent sound box device.
During concrete implementation, a customer logs in a mobile phone bank APP, selects peripheral intelligent sound box equipment on the APP, sets 6 digits as verification codes, clicks to bind, and sends a binding request to the intelligent sound box equipment. After receiving a binding request sent by a mobile banking APP on the intelligent sound box device, inputting a 6-digit digital verification code and retaining client voiceprint information (first client voiceprint information). The audio amplifier with 6 verification code and customer voiceprint information send to mobile banking APP, the mobile banking institute compares 6 verification code and voiceprint information and the prestoring voiceprint information of bank backstage system and compares the verification code with prestoring verification code of bank backstage system, compares and passes through, then accomplishes binding of customer mobile banking APP and intelligent audio amplifier equipment, compares and does not pass through, then binds the failure.
In the embodiment, financial transaction information sent by a bank background system is received, the financial transaction information is sent after the bank background system receives a transaction instruction, and the transaction instruction is sent when a mobile banking APP monitors financial transaction operation after binding; monitoring second customer voiceprint information corresponding to the financial transaction information; comparing the first client voiceprint information, the second client voiceprint information and prestored voiceprint information; according to the comparison result, voiceprint recognition is carried out on the voiceprint information of the second client to obtain a corresponding intention keyword; and processing the financial transaction information according to the intention keywords.
In this embodiment, the financial transaction information processing method further includes: and carrying out voice broadcast on the financial transaction information.
During specific implementation, the received financial transaction information is broadcasted by adopting a voice broadcasting function, for example, financial transactions occur on a bank mobile phone bank APP, an account with a tail number changes money for a client, and whether the transaction passes or not is judged.
During specific implementation, after the mobile banking APP is bound, monitoring of financial transaction operation is started. When the financial transaction operation is monitored, a transaction instruction is sent, the bank background system sends financial transaction information after receiving the transaction instruction, the intelligent sound box device receives the financial transaction information sent by the bank background system, second customer voiceprint information corresponding to the financial transaction information is monitored, the first customer voiceprint information, the second customer voiceprint information and pre-stored voiceprint information are compared, voiceprint recognition is conducted on the second customer voiceprint information according to a comparison result, a corresponding intention keyword is obtained, and financial transaction information processing is conducted according to the intention keyword.
In this embodiment, the financial transaction information includes: fund transfer-out information and/or loan information, the fund transfer-out information comprising: transfer party account information, transfer amount, transfer account APP, transfer party account information, one of transfer party names or any combination thereof, the loan information includes: one or any combination of loan amount, loan application information, APP information and payment account information.
When the method is specifically implemented, a customer logs in a mobile phone bank APP, when a debit card and a credit card bound to the APP are subjected to fund transfer-out operation, a bank background system receives a fund transfer-out instruction, account information of a transfer-out party, a transfer amount, a transfer account APP, account information of a transfer-in party, and a name of the transfer-in party are sent to the intelligent sound box. When carrying out the loan operation on APP, loan background system will loan amount, loan usage information, APP information, collection account information send to intelligent audio amplifier. Wherein, a time period of financial transaction monitoring triggering can be set, and if the time period is out of the monitoring time period, the monitoring is not carried out; otherwise, starting monitoring.
In this embodiment, the processing of the financial transaction information according to the intention keyword includes:
determining a corresponding intention label according to the intention keyword, wherein the intention label comprises: reject tags and pass tags;
if the intention label is a rejection label, a safety emergency instruction is sent to the mobile banking APP, and the safety emergency instruction is used for the mobile banking APP to quit and log in, lock a login name and a password and freeze an account operation;
and if the intention label is a pass label, sending a transaction execution instruction to the mobile banking APP, wherein the transaction execution instruction is used for the mobile banking APP to execute financial transaction operation.
During specific implementation, monitoring the voice of a client, comparing the voiceprint information (second voiceprint information) of the client with the voiceprint information (first voiceprint information) stored locally in the sound box and the voiceprint information (pre-stored voiceprint information) of a bank background, and if the comparison is consistent, proving that the client is the client and identifying the intention of the client; if it is detected that the client is not the client, no processing is performed. Identifying the intention of the client, and obtaining a corresponding intention keyword, wherein the intention keyword can comprise: "refuse this transaction", "forbid roll-out", "intercept transfer", "refuse loan", "lock APP", "freeze financial account", "allow this transaction", "pass transaction", "allow transfer", "can transfer to this person", "make loan transaction". And determining a corresponding intention label according to the intention keyword, wherein if the intention keyword is one or any combination of 'reject the transaction', 'forbid transfer', 'intercept transfer', 'reject loan', 'lock APP' and 'freeze financial account', the corresponding intention label is a reject label, and if the intention keyword is one or any combination of 'permit the transaction', 'pass the transaction', 'allow transfer', 'transfer to the person' and 'loan transaction', the corresponding intention label is a pass label. And if the intention label is a rejection label and the intention of the customer is in the rejection condition, sending a safety emergency instruction to the mobile banking APP, wherein the safety emergency instruction is used for the mobile banking APP to perform exit login, lock login name and password and freeze account operation. If the intention label is a pass label and the intention of the customer is under the condition of passing, a transaction execution instruction is sent to the mobile banking APP, the transaction execution instruction is used for the mobile banking APP to execute financial transaction operation, and the customer can continue to perform related operation on the APP.
The embodiment of the invention adopts the voice broadcasting technology, so that the client can conveniently receive the information related to the financial account change in time, and the voice print recognition technology is used to ensure the operation of the client and more clearly and completely identify the intention of the client; and locking the user name and the password and performing account freezing operation according to the intention of the client, thereby protecting the information security and fund security of the client.
Based on the same inventive concept, the embodiment of the invention also provides a financial transaction information processing device, as described in the following embodiments. Since the principles of solving the problems are similar to the financial transaction information processing method, the implementation of the device can be referred to the implementation of the method, and repeated details are not repeated.
Fig. 2 is a block diagram of a financial transaction information processing apparatus according to an embodiment of the present invention, as shown in fig. 2, the apparatus includes:
the binding module 201 is used for receiving a binding request sent by a mobile banking APP; acquiring voiceprint information and a verification code of a first client according to the binding request; sending the first client voiceprint information and the verification code to a mobile phone bank APP; receiving a binding result fed back by the mobile phone bank APP according to the first client voiceprint information and the verification code, and binding the mobile phone bank APP according to the binding result, wherein the binding result is obtained after the mobile phone bank APP compares the first client voiceprint information with prestored voiceprint information of a bank background system and compares the verification code with a prestored verification code of the bank background system;
the processing module 202 is configured to receive financial transaction information sent by a bank background system, where the financial transaction information is sent by the bank background system after receiving a transaction instruction, and the transaction instruction is sent when a mobile banking APP monitors a financial transaction operation after binding; monitoring second customer voiceprint information corresponding to the financial transaction information; comparing the first client voiceprint information, the second client voiceprint information and prestored voiceprint information; according to the comparison result, voiceprint recognition is carried out on the voiceprint information of the second client to obtain a corresponding intention keyword; and processing the financial transaction information according to the intention keywords.
In one embodiment, the financial transaction information includes: fund transfer-out information and/or loan information, the fund transfer-out information comprising: transfer party account information, transfer amount, transfer account APP, transfer party account information, one of transfer party names or any combination thereof, the loan information includes: one or any combination of loan amount, loan application information, APP information and payment account information.
In one embodiment, the financial transaction information processing apparatus further includes: and the broadcasting module is used for carrying out voice broadcasting on the financial transaction information.
In one embodiment, the processing module 202 is further configured to:
determining a corresponding intention label according to the intention keyword, wherein the intention label comprises: reject tags and pass tags;
if the intention label is a rejection label, a safety emergency instruction is sent to the mobile banking APP, and the safety emergency instruction is used for the mobile banking APP to quit and log in, lock a login name and a password and freeze an account operation;
and if the intention label is a pass label, sending a transaction execution instruction to the mobile banking APP, wherein the transaction execution instruction is used for the mobile banking APP to execute financial transaction operation.
In summary, the embodiment of the present invention receives the binding request sent by the mobile banking APP; acquiring voiceprint information and a verification code of a first client according to the binding request; sending the first client voiceprint information and the verification code to a mobile phone bank APP; receiving a binding result fed back by the mobile phone bank APP according to the first client voiceprint information and the verification code, and binding the mobile phone bank APP according to the binding result, wherein the binding result is obtained after the mobile phone bank APP compares the first client voiceprint information with prestored voiceprint information of a bank background system and compares the verification code with a prestored verification code of the bank background system; receiving financial transaction information sent by a bank background system, wherein the financial transaction information is sent by the bank background system after receiving a transaction instruction, and the transaction instruction is sent when a mobile banking APP monitors financial transaction operation after binding; monitoring second customer voiceprint information corresponding to the financial transaction information; comparing the first client voiceprint information, the second client voiceprint information and prestored voiceprint information; according to the comparison result, voiceprint recognition is carried out on the voiceprint information of the second client to obtain a corresponding intention keyword; and processing the financial transaction information according to the intention keywords. The embodiment of the invention ensures the operation of the client by using the voiceprint recognition technology, carries out voiceprint recognition of the client more clearly and completely, obtains the corresponding intention keywords, and realizes financial transaction information processing according to the intention keywords, thereby effectively protecting the information security and fund security of the client.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, 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 (systems), 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 above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (10)
1. A financial transaction information processing method, comprising:
receiving a binding request sent by a mobile phone bank APP; acquiring voiceprint information and a verification code of a first client according to the binding request; sending the first client voiceprint information and the verification code to a mobile phone bank APP; receiving a binding result fed back by the mobile phone bank APP according to the first client voiceprint information and the verification code, and binding the mobile phone bank APP according to the binding result, wherein the binding result is obtained after the mobile phone bank APP compares the first client voiceprint information with prestored voiceprint information of a bank background system and compares the verification code with a prestored verification code of the bank background system;
receiving financial transaction information sent by a bank background system, wherein the financial transaction information is sent by the bank background system after receiving a transaction instruction, and the transaction instruction is sent when a mobile banking APP monitors financial transaction operation after binding; monitoring second customer voiceprint information corresponding to the financial transaction information; comparing the first client voiceprint information, the second client voiceprint information and prestored voiceprint information; according to the comparison result, voiceprint recognition is carried out on the voiceprint information of the second client to obtain a corresponding intention keyword; and processing the financial transaction information according to the intention keywords.
2. The financial transaction information processing method of claim 1, wherein the financial transaction information includes: fund transfer-out information and/or loan information, the fund transfer-out information comprising: transfer party account information, transfer amount, transfer account APP, transfer party account information, one of transfer party names or any combination thereof, the loan information includes: one or any combination of loan amount, loan application information, APP information and payment account information.
3. The financial transaction information processing method of claim 1, further comprising: and carrying out voice broadcast on the financial transaction information.
4. The financial transaction information processing method of claim 1, wherein performing financial transaction information processing according to the intention keyword includes:
determining a corresponding intention label according to the intention keyword, wherein the intention label comprises: reject tags and pass tags;
if the intention label is a rejection label, a safety emergency instruction is sent to the mobile banking APP, and the safety emergency instruction is used for the mobile banking APP to quit and log in, lock a login name and a password and freeze an account operation;
and if the intention label is a pass label, sending a transaction execution instruction to the mobile banking APP, wherein the transaction execution instruction is used for the mobile banking APP to execute financial transaction operation.
5. A financial transaction information processing apparatus, comprising:
the binding module is used for receiving a binding request sent by a mobile banking APP; acquiring voiceprint information and a verification code of a first client according to the binding request; sending the first client voiceprint information and the verification code to a mobile phone bank APP; receiving a binding result fed back by the mobile phone bank APP according to the first client voiceprint information and the verification code, and binding the mobile phone bank APP according to the binding result, wherein the binding result is obtained after the mobile phone bank APP compares the first client voiceprint information with prestored voiceprint information of a bank background system and compares the verification code with a prestored verification code of the bank background system;
the processing module is used for receiving financial transaction information sent by a bank background system, the financial transaction information is sent by the bank background system after receiving a transaction instruction, and the transaction instruction is sent when a mobile banking APP monitors financial transaction operation after binding; monitoring second customer voiceprint information corresponding to the financial transaction information; comparing the first client voiceprint information, the second client voiceprint information and prestored voiceprint information; according to the comparison result, voiceprint recognition is carried out on the voiceprint information of the second client to obtain a corresponding intention keyword; and processing the financial transaction information according to the intention keywords.
6. The financial transaction information processing apparatus of claim 5, wherein the financial transaction information includes: fund transfer-out information and/or loan information, the fund transfer-out information comprising: transfer party account information, transfer amount, transfer account APP, transfer party account information, one of transfer party names or any combination thereof, the loan information includes: one or any combination of loan amount, loan application information, APP information and payment account information.
7. The financial transaction information processing apparatus of claim 5, further comprising: and the broadcasting module is used for carrying out voice broadcasting on the financial transaction information.
8. The financial transaction information processing apparatus of claim 5, wherein the processing module is further to:
determining a corresponding intention label according to the intention keyword, wherein the intention label comprises: reject tags and pass tags;
if the intention label is a rejection label, a safety emergency instruction is sent to the mobile banking APP, and the safety emergency instruction is used for the mobile banking APP to quit and log in, lock a login name and a password and freeze an account operation;
and if the intention label is a pass label, sending a transaction execution instruction to the mobile banking APP, wherein the transaction execution instruction is used for the mobile banking APP to execute financial transaction operation.
9. 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 one of claims 1 to 4 when executing the computer program.
10. 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 4.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110482512.6A CN113095808A (en) | 2021-04-30 | 2021-04-30 | Financial transaction information processing method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110482512.6A CN113095808A (en) | 2021-04-30 | 2021-04-30 | Financial transaction information processing method and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN113095808A true CN113095808A (en) | 2021-07-09 |
Family
ID=76681059
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202110482512.6A Pending CN113095808A (en) | 2021-04-30 | 2021-04-30 | Financial transaction information processing method and device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN113095808A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113723965A (en) * | 2021-09-01 | 2021-11-30 | 中电金信软件有限公司 | Service processing method based on family account, and relationship establishing method and device |
| CN115147962A (en) * | 2022-06-22 | 2022-10-04 | 中国重汽集团济南动力有限公司 | Three-party interactive car selling and locking method, device and storage medium |
Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2017143924A1 (en) * | 2016-02-22 | 2017-08-31 | 中国银联股份有限公司 | Payment method, apparatus and device |
| CN110400151A (en) * | 2019-07-29 | 2019-11-01 | 中国工商银行股份有限公司 | Voice payment method, apparatus, calculating equipment and medium applied to server |
| CN110474902A (en) * | 2019-08-14 | 2019-11-19 | 中国工商银行股份有限公司 | The method of account binding, calculates equipment and medium at system |
| CN110675158A (en) * | 2019-09-29 | 2020-01-10 | 中国工商银行股份有限公司 | Transaction payment method and device |
| CN111353771A (en) * | 2020-02-19 | 2020-06-30 | 北京声智科技有限公司 | Method, device, equipment and medium for remotely controlling payment |
| CN112215598A (en) * | 2019-12-12 | 2021-01-12 | 华为技术有限公司 | Voice payment method and electronic equipment |
| CN112417412A (en) * | 2020-11-23 | 2021-02-26 | 中国农业银行股份有限公司陕西省分行 | Bank account balance inquiry method, device and system |
-
2021
- 2021-04-30 CN CN202110482512.6A patent/CN113095808A/en active Pending
Patent Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2017143924A1 (en) * | 2016-02-22 | 2017-08-31 | 中国银联股份有限公司 | Payment method, apparatus and device |
| CN110400151A (en) * | 2019-07-29 | 2019-11-01 | 中国工商银行股份有限公司 | Voice payment method, apparatus, calculating equipment and medium applied to server |
| CN110474902A (en) * | 2019-08-14 | 2019-11-19 | 中国工商银行股份有限公司 | The method of account binding, calculates equipment and medium at system |
| CN110675158A (en) * | 2019-09-29 | 2020-01-10 | 中国工商银行股份有限公司 | Transaction payment method and device |
| CN112215598A (en) * | 2019-12-12 | 2021-01-12 | 华为技术有限公司 | Voice payment method and electronic equipment |
| CN111353771A (en) * | 2020-02-19 | 2020-06-30 | 北京声智科技有限公司 | Method, device, equipment and medium for remotely controlling payment |
| CN112417412A (en) * | 2020-11-23 | 2021-02-26 | 中国农业银行股份有限公司陕西省分行 | Bank account balance inquiry method, device and system |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113723965A (en) * | 2021-09-01 | 2021-11-30 | 中电金信软件有限公司 | Service processing method based on family account, and relationship establishing method and device |
| CN115147962A (en) * | 2022-06-22 | 2022-10-04 | 中国重汽集团济南动力有限公司 | Three-party interactive car selling and locking method, device and storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN110765429A (en) | User identity identification method, safety protection problem generation method and device | |
| US20210125183A1 (en) | Systems and methods for providing concurrent data loading and rules execution in risk evaluations | |
| CN113095808A (en) | Financial transaction information processing method and device | |
| CN111652096B (en) | Face recognition method, device and system based on block chain | |
| CN113052580A (en) | Method, system and terminal for processing payment by agency based on 5G message and biological recognition | |
| CN113971560A (en) | Transaction processing method and device | |
| CN113259866B (en) | Mobile phone bank payment verification method and wearable bracelet | |
| CN107040497B (en) | Network account anti-theft method and device | |
| CN113935010A (en) | Mobile banking login method and device based on block chain and 5G message | |
| CN112101915B (en) | Financial service management and control data processing method and device | |
| CN113301569B (en) | Reserved mobile phone number replacement method and device | |
| CN113763178B (en) | Multi-block-chain cross-chain transaction method, device, equipment and readable storage medium | |
| CN111178893B (en) | Anti-theft safety authentication method and device | |
| CN113469693A (en) | Method, system and nodes for providing service by using mobile terminal based on block chain | |
| CN113259869A (en) | Old people bank branch counter business handling method and device based on 5G message | |
| CN113129132A (en) | Credit credit product application method and device based on block chain | |
| CN111681106A (en) | Method and device for verifying acceptance statement of loan use | |
| CN110909902A (en) | Commemorative coin appointment exchange debugging method and device | |
| CN111445336A (en) | Data processing method and data processing system | |
| CN117874733B (en) | Transaction execution method and system | |
| CN113194144B (en) | Online service remote assistance method and device | |
| CN106529947A (en) | Payment control method and server | |
| CN114943623A (en) | Accumulation fund information processing method and device | |
| CN114926175A (en) | Transaction quota configuration method and device | |
| CN114782166A (en) | Accumulation fund extraction service processing method and device based on block chain |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |