CN113989998A - Voice recognition payment method, apparatus, device, medium, and program product - Google Patents
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/0036—Checkout procedures
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
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- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
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- G10L—SPEECH ANALYSIS TECHNIQUES OR SPEECH SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING TECHNIQUES; SPEECH OR AUDIO CODING OR DECODING
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Abstract
The disclosure provides a voice recognition payment method, which can be applied to the technical field of payment, and can be particularly applied to the fields of finance and bank mobile payment data processing. The voice recognition payment method comprises the following steps: receiving a dynamic verification Chinese character, wherein the dynamic verification Chinese character is generated in response to a voice payment request; collecting voice input, wherein the voice input comprises dynamic verification Chinese characters and voice information corresponding to user information; performing identity verification and voiceprint verification according to the voice input including the dynamic verification of the Chinese characters and the voice information corresponding to the user information; when the identity authentication and the voiceprint authentication pass, acquiring merchant information and transaction amount; and inputting a password to carry out payment verification, and paying the transaction amount to the merchant corresponding to the merchant information after the payment verification is passed. The present disclosure also provides a voice recognition payment apparatus, device, storage medium and program product.
Description
Technical Field
The present disclosure relates to the field of payment, in particular to the field of bank mobile payment data processing, and more particularly to a voice recognition payment method, apparatus, device, medium, and program product, which may be used in the financial field.
Background
Currently, there are 4 modes for a user to consume in a physical store and pay through a bank:
1. the POS pays by plugging or swiping cards.
2. The POS code scanning gun scans the user WeChat or the payment code payment of the payment treasure.
3. And the POS machine uses a smart phone supporting an NFC near field identification technology to carry out non-contact cloud payment.
4. The POS supports the hand-input card number, the CVV2 and the validity period can be used for pre-authorization transaction.
The 1 st mode is the most traditional and common consumption mode at present, payment transaction can be completed only by swiping a card on a POS machine and inputting a user password, and the payment transaction process cannot be completed if a user physical card is not in a transaction field. The mode 2 is convenient for the user to pay, a POS machine tool of the scanning gun is installed, software such as a WeChat or a Payment treasure is installed on a mobile phone of the user, a bank card is bound on the WeChat or Payment treasure, and the POS scanning gun can directly scan a WeChat payment code of the user to complete payment transaction. However, the mode depends on a POS machine to support installation of scanning gun hardware, and meanwhile, the smart phone is bound with a bank card through WeChat, so that certain scene dependence exists. The 3 rd mode has special requirements on the mobile phone of the user, the mobile phone must have special hardware equipment to support near field communication such as NFC and the like so as to realize mobile phone payment, the used SIM card must also be specially processed by a bank, and the mobile phone of the conventional common mode cannot realize the mobile phone consumption payment of the type.
Disclosure of Invention
In view of the foregoing, the present disclosure provides a voice recognition payment method, apparatus, device, medium, and program product.
According to a first aspect of the present disclosure, there is provided a voice recognition payment method, comprising: receiving a dynamic verification Chinese character, wherein the dynamic verification Chinese character is generated in response to a voice payment request; collecting voice input, wherein the voice input comprises dynamic verification Chinese characters and voice information corresponding to user information; performing identity verification and voiceprint verification according to the voice input including the dynamic verification of the Chinese characters and the voice information corresponding to the user information; when the identity authentication and the voiceprint authentication pass, acquiring merchant information and transaction amount; and inputting a password to carry out payment verification, and paying the transaction amount to the merchant corresponding to the merchant information after the payment verification is passed.
According to an embodiment of the present disclosure, the receiving a dynamic verification chinese character includes: randomly selecting the dynamic verification Chinese characters from the fixed-length Chinese character data template and sending the dynamic verification Chinese characters to a user; and receiving the dynamic verification Chinese characters and prompting the user to guide information.
According to an embodiment of the present disclosure, the acquiring the voice input to obtain the dynamic verification chinese character voice and the user information includes: collecting user dynamic verification Chinese character voice; collecting a user name; and collecting the card number.
According to the embodiment of the present disclosure, the acquiring the voice input to obtain the dynamic verification chinese character voice and the user information further includes: prompting a user to perform voice input before voice input is collected; when voice input is collected, prompting a user to select and confirm polyphones; after voice input is collected, a user is prompted to confirm an input result.
According to an embodiment of the present disclosure, the authentication includes: and checking the information of the bank card of the user according to the information of the user.
According to an embodiment of the present disclosure, the voiceprint verification comprises: carrying out noise reduction processing on the dynamic verification Chinese character voice; extracting acoustic features of the dynamic verification Chinese character voice; inputting the acoustic features into an acoustic feature model to obtain a target acoustic feature value; and matching the target acoustic characteristic value with a pre-stored user voiceprint, and when the matching rate is higher than a preset threshold value, the voiceprint verification is passed.
A second aspect of the present disclosure provides a voice recognition payment apparatus, comprising: the receiving module is used for receiving dynamic verification Chinese characters, wherein the dynamic verification Chinese characters are generated in response to a voice payment request; the voice acquisition module is used for acquiring voice input, wherein the voice input comprises dynamic verification Chinese characters and voice information corresponding to user information; the verification module is used for performing identity verification and voiceprint verification according to the voice input including the dynamic verification of the Chinese characters and the voice information corresponding to the user information; the acquisition module is used for acquiring merchant information and transaction amount when the identity authentication and the voiceprint authentication pass; and the password verification module is used for inputting a password to carry out payment verification and paying the transaction amount to the merchant corresponding to the merchant information after the payment verification is passed.
According to an embodiment of the present disclosure, the receiving module includes: the random selection unit is used for randomly selecting the dynamic verification Chinese characters from the fixed-length Chinese character data template and sending the dynamic verification Chinese characters to the user; and the receiving unit is used for receiving the dynamic verification Chinese characters and prompting the user to guide information.
According to an embodiment of the present disclosure, the voice acquisition module includes: the first acquisition unit is used for acquiring the Chinese character voice dynamically verified by the user; the second acquisition unit is used for acquiring the name of the user;
and the third acquisition unit is used for acquiring the card number.
According to an embodiment of the present disclosure, the voice collecting module further includes: the prompting unit is used for prompting a user to perform voice input before voice input is acquired; the polyphone unit is used for prompting the user to select and confirm polyphones when the voice is input; and the confirming unit is used for prompting the user to confirm the input result after the voice input is collected.
According to an embodiment of the present disclosure, the verification module includes: and the identity checking unit is used for checking the information of the bank card of the user according to the information of the user.
According to an embodiment of the present disclosure, the verification module further comprises a voiceprint matching unit including: the noise reduction subunit is used for performing noise reduction processing on the dynamic verification Chinese character voice; the extraction subunit is used for extracting the acoustic characteristics of the dynamic verification Chinese character voice; the calculation subunit is used for inputting the acoustic features into an acoustic feature model to obtain a target acoustic feature value; and the matching subunit is used for matching the target acoustic characteristic value with a pre-stored user voiceprint, and when the matching rate is higher than a preset threshold value, the voiceprint verification is passed.
A third aspect of the present disclosure provides an electronic device, comprising: one or more processors; memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the voice recognition payment method described above.
A fourth aspect of the present disclosure also provides a computer-readable storage medium having stored thereon executable instructions that, when executed by a processor, cause the processor to perform the voice recognition payment method described above.
A fifth aspect of the present disclosure also provides a computer program product comprising a computer program which, when executed by a processor, implements the voice recognition payment method described above.
Drawings
The foregoing and other objects, features and advantages of the disclosure will be apparent from the following description of embodiments of the disclosure, which proceeds with reference to the accompanying drawings, in which:
FIG. 1 schematically illustrates an application scenario diagram of a voice recognition payment method, apparatus, device, medium and program product according to embodiments of the disclosure;
FIG. 2 schematically illustrates a flow diagram of a voice recognition payment method according to an embodiment of the present disclosure;
FIG. 3 schematically illustrates a flow chart of a method of generating a dynamically verified Chinese character according to an embodiment of the present disclosure;
FIG. 4 schematically illustrates a flow diagram of a speech acquisition scheme according to an embodiment of the present disclosure;
FIG. 5 schematically illustrates a flow diagram of a voice prompt scheme according to an embodiment of the present disclosure;
FIG. 6 schematically illustrates a flow chart of a voiceprint authentication method according to an embodiment of the present disclosure;
FIG. 7 schematically illustrates a block diagram of a voice recognition payment device, in accordance with an embodiment of the present disclosure;
fig. 8 schematically shows a block diagram of a receiving module according to an embodiment of the present disclosure;
FIG. 9 schematically shows a block diagram of a structure of a verification module according to an embodiment of the disclosure;
FIG. 10 schematically shows a main block diagram of a speech acquisition module according to an embodiment of the present disclosure;
FIG. 11 schematically illustrates a complementary block diagram of a speech acquisition module according to an embodiment of the present disclosure;
fig. 12 schematically shows a block diagram of a voiceprint matching unit according to an embodiment of the present disclosure;
FIG. 13 schematically illustrates a block diagram of a smart device according to an embodiment of the present disclosure;
fig. 14 schematically shows a block diagram of a bank payment server according to an embodiment of the present disclosure; and
FIG. 15 schematically illustrates a block diagram of an electronic device suitable for implementing a voice recognition payment method in accordance with an embodiment of the present disclosure.
Detailed Description
Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is illustrative only and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.
The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.
All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It is noted that the terms used herein should be interpreted as having a meaning that is consistent with the context of this specification and should not be interpreted in an idealized or overly formal sense.
Where a convention analogous to "at least one of A, B and C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B and C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.).
The embodiment of the disclosure provides a voice recognition payment method, which comprises the following steps: receiving dynamic verification Chinese characters, wherein the dynamic verification Chinese characters are generated in response to a voice payment request; collecting voice input, wherein the voice input comprises dynamic verification of Chinese characters and voice information corresponding to user information; performing identity verification and voiceprint verification according to the voice input including the dynamic verification of the Chinese characters and the voice information corresponding to the user information; when the identity authentication and the voiceprint authentication pass, acquiring merchant information and transaction amount; and inputting the password to carry out payment verification, and paying the transaction amount to the merchant corresponding to the merchant information after the payment verification is passed.
The utility model provides a method for carrying out speech recognition payment under the condition of no card medium, solve present consumption payment process and must use the problem of material object card, NFC or other loaded down with trivial details information input, the user uses the smart machine of ordinary hardware configuration just can realize no medium speech recognition consumption payment to guarantee payment process's safety convenient. The user information supports voice input, only the password is input through the password keyboard, and for the user, the input of the transaction elements is simpler and quicker.
It should be noted that the voice recognition payment method and apparatus provided by the present disclosure may be used for payment transactions in the financial field, and may also be used for payment transactions in any field other than the financial field.
In the technical scheme of the disclosure, the acquisition, storage, application and the like of the personal information of the related user all accord with the regulations of related laws and regulations, necessary security measures are taken, and the customs of the public order is not violated.
Fig. 1 schematically illustrates an application scenario diagram of a voice recognition payment method, apparatus, device, medium, and program product according to embodiments of the present disclosure.
As shown in fig. 1, the application scenario 100 according to this embodiment may include an offline mobile phone payment, for example, a scenario in which a shopping mall without public WIFI performs a voice payment and a shopping mall with public WIFI performs a voice payment. Network 102 is the medium used to provide communication links between terminal devices 101 and server 103. Network 102 may include various connection types, such as wired networks, wireless communication links, which may be provided by a mobile carrier or mall WIFI.
A user may use terminal device 101 to interact with server 103 over network 102 to receive or send messages and the like. Various payment client applications, such as various bank payment software, etc., may be installed on the terminal device 101.
The terminal device 101 may be various electronic devices having a display screen and supporting network connectivity, including but not limited to a smartphone, a tablet computer, and the like. The server 103 may be a server that provides various services, such as a silver-lined front-end server, an integrated front-end server, and a mainframe. The front-end server of the UnionPay can process the received user voice payment request, after the card type of the user card is identified, the front-end server of the UnionPay sends the user voice payment request to the comprehensive front-end server of the card issuer through the corresponding private network for voice identification and card payment transaction, and feeds back the transaction processing result to the terminal equipment.
It should be noted that the voice recognition payment method provided by the embodiment of the present disclosure may be generally executed by the server 103. Accordingly, the voice recognition payment apparatus provided by the embodiment of the present disclosure may be generally disposed in the server 103. The voice recognition payment method provided by the embodiment of the present disclosure may also be executed by a server or a server cluster that is different from the server 103 and is capable of communicating with the terminal device 101 and/or the server 103. Accordingly, the voice recognition payment apparatus provided by the embodiment of the present disclosure may also be disposed in a server or a server cluster that is different from the server 103 and is capable of communicating with the terminal device 101 and/or the server 103.
It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
The voice recognition payment method of the disclosed embodiment will be described in detail through fig. 2 to 6 based on the scenario described in fig. 1.
Fig. 2 schematically illustrates a flow diagram of a voice recognition payment method according to an embodiment of the present disclosure.
As shown in fig. 2, the voice recognition payment method of the embodiment includes operations S210 to S270, and the voice recognition payment method may be performed by the user terminal device.
In operation S210, a voice payment request is transmitted.
In operation S220, a dynamic verification chinese character is received.
In operation S230, the voice input is collected to obtain the dynamic verification chinese character voice and the user information. The user information related by the application is acquired after the authorization of the user is obtained.
In operation S240, the dynamic verification chinese character voice and the user information are transmitted to the bank payment server.
In operation S250, authentication and voiceprint authentication are performed according to the dynamic verification of the chinese character voice and the user information.
In operation S260, when the identity verification and the voiceprint verification pass, the merchant information and the transaction amount are collected and sent to the bank payment server.
In operation S270, a password is input for payment verification, and a deduction is made after the payment verification is passed.
In an embodiment of the present disclosure, a user uses a terminal device to send a voice payment request to a bank payment server, and optionally, the terminal device may include a smartphone and a tablet computer. And after receiving the voice payment request, the bank payment server performs dynamic verification on the configuration of the Chinese characters and sends the configuration to the terminal equipment. And after receiving the dynamic verification Chinese characters, the terminal equipment collects voice input and sends the dynamic verification Chinese character voice and user information to the bank server. And the bank server verifies the identity and the voiceprint of the user according to the dynamic verification Chinese character voice and the user information. And after the identity and voiceprint verification is passed, sending an instruction to the terminal equipment to prompt the user to acquire the merchant information and the payment amount, and inputting a payment password for verification.
In an embodiment of the disclosure, a terminal device prompts a user to perform transaction password verification, after the user inputs a password by using a digital password keyboard of the terminal device, the password is encrypted by a 3DES encryption algorithm and then transmitted to a bank payment server to perform payment verification, the payment verification comprises verification of a payment password and verification of merchant information, and when the payment verification is passed, payment deduction is performed, and a payment result is returned to the user.
FIG. 3 schematically shows a flowchart of a method for generating a dynamic verification Chinese character according to an embodiment of the present disclosure.
As shown in FIG. 3, the method for generating a dynamic verification Chinese character according to this embodiment includes operations S310 to S320.
In operation S310, a dynamic verification chinese character is randomly selected from the fixed-length chinese character data template and transmitted to the user.
In operation S320, a dynamic verification chinese character is received and a user guide message is prompted.
In an embodiment of the disclosure, after receiving a voice payment request of a user, a bank payment server randomly selects one fixed-length Chinese character data template and sends the selected fixed-length Chinese character data template to a terminal device of the user, and the voice promotes the user to perform dynamic Chinese character verification. Optionally, the fixed-length Chinese character data template can be selected as a common four-character idiom, so that a user can conveniently and quickly perform dynamic Chinese character verification; the fixed-length Chinese character data template can also be selected as 12 short sentences, the content is dynamically changed, and the verification safety is provided. Prompting the user for guidance information includes displaying the text on a screen and voice prompting the user for voice input to dynamically verify Chinese character voice.
FIG. 4 schematically shows a flow diagram of a speech acquisition scheme according to an embodiment of the disclosure.
As shown in fig. 4, the voice collecting scheme of this embodiment includes operations S410 to S430.
In operation S410, a user dynamic verification chinese character voice is collected.
In operation S420, a user name is collected.
In operation S430, a card number is collected.
FIG. 5 schematically shows a flow diagram of a voice prompt scheme according to an embodiment of the present disclosure.
As shown in fig. 5, the voice guidance scheme of this embodiment includes operations S510 to S530.
Before collecting voice input, the user is prompted for voice input in operation S510.
In operation S520, the user is prompted to confirm the selection of the polyphone when the voice input is collected.
In operation S530, after the voice input is collected, the user is prompted to confirm the input result.
In an embodiment of the present disclosure, before the terminal device collects the voice input, the terminal device prompts the user to perform the voice input, and sends a sound "please read your transaction card number with voice", and at the same time, the text is displayed on a screen of the terminal device, and the terminal device collects the card number input by the voice of the user and displays the card number on the screen. The terminal equipment makes a sound, please read your name one by one, and the characters are displayed on a screen of the terminal equipment, the names input by the client are collected, when the name input by the user is judged that a single Chinese character is a polyphone, the polyphone is displayed, and the user is allowed to click the polyphone for input. If the name single Chinese character input by the user is not a polyphone, the next step is continued. After the name reading is finished, the name is displayed on the screen of the mobile phone.
In an embodiment of the present disclosure, identity authentication and voiceprint authentication are performed according to dynamic authentication of Chinese character speech and user information, where the identity authentication includes: and checking the information of the bank card of the user according to the user information, wherein the checking comprises checking whether the user holds the bank card and the legality of the bank card.
FIG. 6 schematically shows a flow diagram of a voiceprint verification method according to an embodiment of the present disclosure.
As shown in fig. 6, the voiceprint authentication method of this embodiment includes operations S610 to S640.
In operation S610, noise reduction processing is performed on the dynamically verified chinese character voice.
In operation S620, acoustic features of the dynamic verification chinese character voice are extracted.
In operation S630, the acoustic feature is input into the acoustic feature model, resulting in a target acoustic feature value.
In operation S640, the target acoustic feature value is matched with a pre-stored user voiceprint, and when the matching rate is higher than a preset threshold, the voiceprint verification is passed.
In an embodiment of the present disclosure, the noise reduction processing is performed on the dynamically verified chinese character speech, and the noise reduction processing may be performed by using lms (least mean square) adaptive filtering algorithm. And extracting acoustic features of the dynamic verification Chinese character voice after the noise reduction treatment, wherein the acoustic features of the dynamic verification Chinese character voice can be extracted by utilizing an mfcc frequency cepstrum coefficient algorithm. Inputting the acoustic features into a trained acoustic feature model to obtain a target acoustic feature value, finally matching the target acoustic feature value with a pre-stored user voiceprint database, if a matching result with a matching rate higher than a threshold value exists, the voiceprint verification is passed, and optionally, the threshold value can be 98%.
The voice recognition payment method provided by the disclosure not only provides a method for performing voice recognition payment under the condition of no card medium, solves the problem that a physical card, NFC or other complicated information input is required to be used in the current consumption payment process, but also verifies the voiceprint of a user based on voice recognition, and ensures the safety of user payment.
In an embodiment of the disclosure, when the identity verification and the voiceprint verification pass, the merchant information and the transaction amount are collected and sent to the bank payment server. Optionally, the merchant information of the merchant number is obtained by scanning the merchant two-dimensional code. The bank payment server checks whether the merchant number information contained in the merchant information is correct and conforms to the merchant information reserved by the bank, and if the checking is successful, the customer is prompted to input the transaction amount through voice. The method specifically comprises the following steps: and sending a sound on the terminal equipment to read your transaction amount by taking the angle of the yuan as a unit, and simultaneously displaying the character on a screen of the terminal equipment. And collecting the transaction amount input by the voice of the client, and displaying the transaction amount on a screen of the terminal equipment after the collection is finished.
Based on the voice recognition payment method, the disclosure also provides a voice recognition payment device. The apparatus will be described in detail below with reference to fig. 7 to 12.
FIG. 7 is a block diagram schematically illustrating a structure of a voice recognition payment apparatus according to an embodiment of the present disclosure
As shown in fig. 7, the voice recognition payment apparatus 700 of this embodiment includes a payment request module 710, a receiving module 720, a voice collecting module 730, a sending module 740, a verification module 750, a collecting module 760, and a password verification module 770.
The payment request module 710 is used to send a voice payment request. In an embodiment, the payment request module 710 may be configured to perform the operation S210 described above, and is not described herein again.
The receiving module 720 is used for receiving the dynamic verification Chinese characters. In an embodiment, the receiving module 720 may be configured to perform the operation S220 described above, which is not described herein again.
The voice collection module 730 is used for collecting voice input to obtain the dynamic verification Chinese character voice and the user information. In an embodiment, the voice collecting module 730 may be configured to perform the operation S230 described above, which is not described herein again.
The sending module 740 is configured to send the dynamic verification chinese character voice and the user information to the bank payment server. In an embodiment, the sending module 740 may be configured to perform the operation S240 described above, which is not described herein again.
The verification module 750 is used for performing identity verification and voiceprint verification according to the dynamic verification of the Chinese character voice and the user information. In an embodiment, the verification module 750 may be configured to perform the operation S250 described above, and is not described herein again.
The collecting module 760 is configured to collect merchant information and transaction amount and send the merchant information and the transaction amount to the bank payment server when the identity authentication and the voiceprint authentication pass. In an embodiment, the collecting module 760 may be configured to perform the operation S260 described above, which is not described herein again.
The password verification module 770 is used for inputting a password to perform payment verification, and deducting money after the payment verification is passed. In an embodiment, the password verification module 770 may be configured to perform the operation S270 described above, which is not described herein again.
Fig. 8 schematically shows a block diagram of a receiving module according to an embodiment of the present disclosure.
As shown in fig. 8, the receiving module 720 of this embodiment includes a random access unit 721 and a receiving unit 722.
The random selection unit 721 is used for randomly selecting a dynamic verification Chinese character from the fixed-length Chinese character data template and sending the dynamic verification Chinese character to the user. In an embodiment, the random access unit 721 may be configured to perform the operation S310 described above, which is not described herein again.
The receiving unit 722 is used for receiving the dynamic verification Chinese characters and prompting the user for guiding information. In an embodiment, the receiving unit 722 may be configured to perform the operation S320 described above, which is not described herein again.
FIG. 9 schematically shows a block diagram of a structure of a verification module according to an embodiment of the disclosure.
As shown in fig. 9, the authentication module 750 of this embodiment includes an identity verification unit 751 and a voiceprint matching unit 752.
The identity verification unit 751 is used for verifying the user bank card information according to the user information.
The voiceprint matching unit 752 is used for voiceprint verification according to the dynamic verification Chinese character voice.
Fig. 10 schematically shows a main structural block diagram of a voice acquisition module according to an embodiment of the present disclosure.
As shown in fig. 10, the voice collecting module 730 of this embodiment includes a first collecting unit 731, a second collecting unit 732, and a third collecting unit 733.
The first collecting unit 731 is used for collecting the Chinese character voice dynamically verified by the user. In an embodiment, the first collecting unit 731 can be configured to perform the operation S410 described above, which is not described herein again.
The second collecting unit 732 is used to collect the user name. In an embodiment, the second collecting unit 732 may be configured to perform the operation S420 described above, which is not described herein again.
The third collecting unit 733 is used for collecting the card number. In an embodiment, the third collecting unit 733 may be configured to perform the operation S430 described above, and is not described herein again.
FIG. 11 schematically shows a complementary block diagram of a speech acquisition module according to an embodiment of the present disclosure.
As shown in fig. 11, the voice collecting module 730 of this embodiment further includes a prompt unit 734, a polyphonic unit 735, and a confirmation unit 736.
The prompt unit 734 is configured to prompt the user to perform voice input before collecting the voice input. In an embodiment, the prompt unit 734 may be configured to perform the operation S510 described above, which is not described herein again.
The polyphone unit 735 is used to prompt the user to confirm the selection of polyphones when the user enters speech. In an embodiment, the polyphonic unit 735 can be used to perform the operation S520 described above, and will not be described herein.
The confirmation unit 736 is configured to prompt the user to confirm the input result after collecting the voice input. In an embodiment, the confirmation unit 736 may be configured to perform the operation S530 described above, which is not described herein again.
Fig. 12 schematically shows a block diagram of a voiceprint matching unit according to an embodiment of the present disclosure.
As shown in fig. 12, the voiceprint matching unit 752 of this embodiment further includes a noise reduction subunit 7521, an extraction subunit 7522, a calculation subunit 7523, and a matching subunit 7524.
The noise reduction subunit 7521 is configured to perform noise reduction processing on the dynamically verified chinese character speech. In an embodiment, the denoising subunit 7521 may be configured to perform the operation S610 described above, and will not be described herein again.
The extraction subunit 7522 is used to extract the acoustic features of the dynamic verification chinese character speech. In an embodiment, the extracting subunit 7522 may be configured to perform the operation S620 described above, which is not described herein again.
The calculation subunit 7523 is configured to input the acoustic features into the acoustic feature model, so as to obtain a target acoustic feature value. In an embodiment, the calculating subunit 7523 can be configured to perform the operation S630 described above, which is not described herein again.
The matching subunit 7524 is configured to match the target acoustic feature value with a pre-stored user voiceprint, and when the matching rate is higher than a preset threshold, the voiceprint verification is passed. In an embodiment, the matching subunit 7524 can be configured to perform the operation S640 described above, and is not described herein again.
According to an embodiment of the present disclosure, any plurality of the payment request module 710, the receiving module 720, the voice collecting module 730, the sending module 740, the verification module 750, the collecting module 760, and the password verification module 770 may be combined into one module to be implemented, or any one of them may be split into a plurality of modules. Alternatively, at least part of the functionality of one or more of these modules may be combined with at least part of the functionality of the other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the payment request module 710, the receiving module 720, the voice collecting module 730, the sending module 740, the verification module 750, the collecting module 760 and the password verification module 770 may be at least partially implemented as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented by hardware or firmware in any other reasonable manner of integrating or packaging a circuit, or implemented by any one of three implementations of software, hardware and firmware, or by a suitable combination of any of them. Alternatively, at least one of the payment request module 710, the receiving module 720, the voice capture module 730, the sending module 740, the authentication module 750, the capture module 760 and the password authentication module 770 may be implemented at least in part as a computer program module that, when executed, may perform a corresponding function.
Fig. 13 schematically shows a block diagram of a smart device according to an embodiment of the present disclosure.
Fig. 14 schematically shows a block diagram of a bank payment server according to an embodiment of the present disclosure.
In an embodiment of the present disclosure, the voice recognition payment method provided by the present disclosure may be performed by the smart device 1300 shown in fig. 13 and the bank payment server 1400 shown in fig. 14.
The intelligent device 1300 is provided with a digital password keyboard 1360, and the intelligent device is also provided with a sound collection module 1310, a voice prompt control module 1320, a voice semantic recognition module 1330, a data transmission module 1340 and a merchant two-dimensional code collection module 1350.
The sound collection module 1310 is responsible for collecting the card number, name, dynamic content text, transaction amount and other voice information read by the smart device 1300.
The voice prompt control module 1320 sends a voice prompt to guide the user to read the card number, name, and amount of the transaction.
The speech semantic recognition module 1330 can recognize whether the phonetic Chinese characters are polyphones and prompt the user to enter on the screen, and can convert the card number, name and other voices into numeric and character information.
The merchant two-dimensional code acquisition module 1350 can complete the code scanning of the merchant two-dimensional code and obtain information such as the merchant number.
The data transmission module 1340 is responsible for packaging and sending information such as transaction amount, card number, name, merchant number, mobile phone number, password and the like to the bank payment server 1400, and meanwhile, the transaction of the bank payment server 1400 returns a result.
The mobile communication operator server interacts with the smart device 1300 through a wireless network or a wired network, and with the bank payment server 1400 through the wired network, the bank payment server 1400 includes: the system comprises a front-end bank server, a comprehensive front-end server and a bank host database.
The bank payment server 1400 includes a dynamic chinese character generation module 1410, a bank card verification module 1420, a voice semantic recognition module 1430, a merchant file verification module 1440, a password verification module 1450, and an accounting processing module 1460.
The dynamic chinese character generation module 1410 is deployed in the unionpay front-end server, and when receiving a voice payment transaction request, the unionpay front-end server randomly selects a record from the fixed-length chinese character data template, sends the record to the intelligent device 1300, and displays the record on the screen of the intelligent device 1300, where the chinese character content is 12 chinese characters with a fixed length, and the character content is dynamically changed.
The bank card checking module 1420 judges the card type through the first several BINs of the card number and transmits the card type to the comprehensive front server of the card issuing bank by the front server of the UnionPay to judge whether the user holds the card or not, and meanwhile, checks whether the card state is normal or not.
The voice semantic recognition module 1430 performs voiceprint recognition on the received dynamic text voice of the user. The method comprises the following specific operation steps: performing sound noise reduction processing by using lms (least mean square) self-adaptive filtering algorithm; extracting acoustic features of the dynamic Chinese characters by using an mfcc frequency cepstrum coefficient algorithm; inputting the acoustic features into a trained acoustic feature model to obtain a target acoustic feature value; and matching the target acoustic characteristic value with a pre-stored user voiceprint database.
The merchant file checking module 1440 checks whether the merchant number exists and the merchant file is legal.
The password verification module 1450 is deployed in the integrated front server and is responsible for verifying whether the payment password input by the user is correct.
The accounting processing module 1460 performs card accounting processing and merchant side accounting processing.
The smart device 1300 is communicatively connected to the switch through rtp (real-time transport protocol) to transmit the acquired original voice data stream to the switch in real time. The front-end server of the Unionpay and the comprehensive front-end server carry out data interaction through the exchanger, and the exchanger is in communication connection with the comprehensive front-end server through an mrcp (media resource control protocol) protocol. Among them, the mrcp protocol defines messages such as request, response, and event necessary for controlling media processing resources. The mrcp protocol also defines a state machine for each resource, defining the required state transitions for each request and server event. The mrcp messages use a text format similar to many internet protocols such as http, each message comprising three parts: first line, message header, message body. Compared with a packet capturing mode, the mode greatly reduces the packet loss probability of data. The smart device 1300 sends the mobile phone number to the mobile communication server, and the mobile communication server can return the transaction result to the smart device 1300 through the mobile phone number.
FIG. 15 schematically illustrates a block diagram of an electronic device suitable for implementing a voice recognition payment method in accordance with an embodiment of the present disclosure.
As shown in fig. 15, an electronic device 1500 according to an embodiment of the present disclosure includes a processor 1501 which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)1502 or a program loaded from a storage section 1508 into a Random Access Memory (RAM) 1503. Processor 1501 may include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or associated chipset(s) and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), and/or the like. The processor 1501 may also include on-board memory for caching purposes. Processor 1501 may include a single processing unit or multiple processing units for performing different acts of a method flow in accordance with embodiments of the present disclosure.
In the RAM1503, various programs and data necessary for the operation of the electronic apparatus 1500 are stored. The processor 1501, the ROM 1502, and the RAM1503 are connected to each other by a bus 1504. The processor 1501 executes various operations of the method flow according to the embodiments of the present disclosure by executing programs in the ROM 1502 and/or RAM 1503. Note that the program may also be stored in one or more memories other than the ROM 1502 and the RAM 1503. The processor 1501 may also execute various operations of the method flows according to embodiments of the present disclosure by executing programs stored in one or more memories.
According to an embodiment of the present disclosure, electronic device 1500 may also include input/output (I/O) interface 1505, input/output (I/O) interface 1505 also being connected to bus 1504. The electronic device 1500 may also include one or more of the following components connected to the I/O interface 1505: an input portion 1506 including a keyboard, a mouse, and the like; an output portion 1507 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 1508 including a hard disk and the like; and a communication section 1509 including a network interface card such as a LAN card, a modem, or the like. The communication section 1509 performs communication processing via a network such as the internet. A drive 1510 is also connected to the I/O interface 1505 as needed. A removable medium 1511 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 1510 as necessary, so that a computer program read out therefrom is mounted into the storage section 1508 as necessary.
The present disclosure also provides a computer-readable storage medium, which may be contained in the apparatus/device/system described in the above embodiments; or may exist separately and not be assembled into the device/apparatus/system. The computer-readable storage medium carries one or more programs which, when executed, implement the method according to an embodiment of the disclosure.
According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, a computer-readable storage medium may include the ROM 1502 and/or RAM1503 described above and/or one or more memories other than the ROM 1502 and RAM 1503.
Embodiments of the present disclosure also include a computer program product comprising a computer program containing program code for performing the method illustrated in the flow chart. When the computer program product is run in a computer system, the program code is for causing the computer system to implement the speech recognition payment method provided by the embodiments of the present disclosure.
The computer program performs the above-described functions defined in the system/apparatus of the embodiments of the present disclosure when executed by the processor 1501. The systems, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.
In one embodiment, the computer program may be hosted on a tangible storage medium such as an optical storage device, a magnetic storage device, or the like. In another embodiment, the computer program may also be transmitted, distributed in the form of a signal on a network medium, downloaded and installed through the communication section 1509, and/or installed from the removable medium 1511. The computer program containing program code may be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.
In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 1509, and/or installed from the removable medium 1511. The computer program, when executed by the processor 1501, performs the above-described functions defined in the system of the embodiments of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.
In accordance with embodiments of the present disclosure, program code for executing computer programs provided by embodiments of the present disclosure may be written in any combination of one or more programming languages, and in particular, these computer programs may be implemented using high level procedural and/or object oriented programming languages, and/or assembly/machine languages. The programming language includes, but is not limited to, programming languages such as Java, C + +, python, the "C" language, or the like. The program code may execute entirely on the user computing device, partly on the user device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
Those skilled in the art will appreciate that various combinations and/or combinations of features recited in the various embodiments and/or claims of the present disclosure can be made, even if such combinations or combinations are not expressly recited in the present disclosure. In particular, various combinations and/or combinations of the features recited in the various embodiments and/or claims of the present disclosure may be made without departing from the spirit or teaching of the present disclosure. All such combinations and/or associations are within the scope of the present disclosure.
The embodiments of the present disclosure have been described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described separately above, this does not mean that the measures in the embodiments cannot be used in advantageous combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be devised by those skilled in the art without departing from the scope of the present disclosure, and such alternatives and modifications are intended to be within the scope of the present disclosure.
Claims (15)
1. A voice recognition payment method, comprising:
receiving a dynamic verification Chinese character, wherein the dynamic verification Chinese character is generated in response to a voice payment request;
collecting voice input, wherein the voice input comprises dynamic verification Chinese characters and voice information corresponding to user information;
performing identity verification and voiceprint verification according to the voice input including the dynamic verification of the Chinese characters and the voice information corresponding to the user information;
when the identity authentication and the voiceprint authentication pass, acquiring merchant information and transaction amount;
and inputting a password to carry out payment verification, and paying the transaction amount to the merchant corresponding to the merchant information after the payment verification is passed.
2. The method of claim 1, the receiving a dynamically verified Chinese character comprising:
randomly selecting the dynamic verification Chinese characters from the fixed-length Chinese character data template and sending the dynamic verification Chinese characters to a user;
and receiving the dynamic verification Chinese characters and prompting the user to guide information.
3. The method of claim 1, the collecting voice input comprising:
collecting user dynamic verification Chinese character voice;
collecting a user name;
and collecting the card number.
4. The method of claim 3, the capturing speech input further comprising:
prompting a user to perform voice input before voice input is collected;
when voice input is collected, prompting a user to select and confirm polyphones;
after voice input is collected, a user is prompted to confirm an input result.
5. The method of claim 1, the authentication comprising: and checking the information of the bank card of the user according to the information of the user.
6. The method of claim 3, the voiceprint validation comprising:
carrying out noise reduction processing on the dynamic verification Chinese character voice;
extracting acoustic features of the dynamic verification Chinese character voice;
inputting the acoustic features into an acoustic feature model to obtain a target acoustic feature value;
and matching the target acoustic characteristic value with a pre-stored user voiceprint, and when the matching rate is higher than a preset threshold value, the voiceprint verification is passed.
7. A voice recognition payment device, comprising:
the receiving module is used for receiving dynamic verification Chinese characters, wherein the dynamic verification Chinese characters are generated in response to a voice payment request;
the voice acquisition module is used for acquiring voice input, wherein the voice input comprises dynamic verification Chinese characters and voice information corresponding to user information;
the verification module is used for performing identity verification and voiceprint verification according to the voice input including the dynamic verification of the Chinese characters and the voice information corresponding to the user information;
the acquisition module is used for acquiring merchant information and transaction amount when the identity authentication and the voiceprint authentication pass;
and the password verification module is used for inputting a password to carry out payment verification and paying the transaction amount to the merchant corresponding to the merchant information after the payment verification is passed.
8. The apparatus of claim 7, the receiving means comprising:
the random selection unit is used for randomly selecting the dynamic verification Chinese characters from the fixed-length Chinese character data template and sending the dynamic verification Chinese characters to the user;
and the receiving unit is used for receiving the dynamic verification Chinese characters and prompting the user to guide information.
9. The apparatus of claim 7, the voice acquisition module comprising:
the first acquisition unit is used for acquiring the Chinese character voice dynamically verified by the user;
the second acquisition unit is used for acquiring the name of the user;
and the third acquisition unit is used for acquiring the card number.
10. The apparatus of claim 9, the voice acquisition module further comprising:
the prompting unit is used for prompting a user to perform voice input before voice input is acquired;
the polyphone unit is used for prompting the user to select and confirm polyphones when the voice is input;
and the confirming unit is used for prompting the user to confirm the input result after the voice input is collected.
11. The apparatus of claim 7, the authentication module comprising: and the identity checking unit is used for checking the information of the bank card of the user according to the information of the user.
12. The apparatus of claim 9, the verification module further comprising a voiceprint matching unit comprising:
the noise reduction subunit is used for performing noise reduction processing on the dynamic verification Chinese character voice;
the extraction subunit is used for extracting the acoustic characteristics of the dynamic verification Chinese character voice;
the calculation subunit is used for inputting the acoustic features into an acoustic feature model to obtain a target acoustic feature value;
and the matching subunit is used for matching the target acoustic characteristic value with a pre-stored user voiceprint, and when the matching rate is higher than a preset threshold value, the voiceprint verification is passed.
13. An electronic device, comprising:
one or more processors;
a storage device for storing one or more programs,
wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the method of any of claims 1-6.
14. A computer readable storage medium having stored thereon executable instructions which, when executed by a processor, cause the processor to perform the method of any one of claims 1 to 6.
15. A computer program product comprising a computer program which, when executed by a processor, implements a method according to any one of claims 1 to 6.
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