CN115392915A - Cash withdrawal transaction processing method and device - Google Patents

Cash withdrawal transaction processing method and device Download PDF

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CN115392915A
CN115392915A CN202211020156.7A CN202211020156A CN115392915A CN 115392915 A CN115392915 A CN 115392915A CN 202211020156 A CN202211020156 A CN 202211020156A CN 115392915 A CN115392915 A CN 115392915A
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user identity
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何怀莹
滕建德
曹仰止
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Bank of China Ltd
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Abstract

The invention provides a cash withdrawal transaction processing method and device, relates to the technical field of data processing, and can be used in the financial field or other technical fields. The method comprises the following steps: if the target sentence spoken by the target user is recognized, performing voice feature recognition on the target sentence; inquiring a voice feature recognition result, and if the number of the user identity feature information matched with the voice feature recognition result is more than 1, performing face feature recognition on the face image; carrying out face matching on the matched user identity characteristic information and a face characteristic recognition result to obtain target user identity characteristic information matched with the face characteristic recognition result; and determining target account information corresponding to the target user identity characteristic information according to a preset corresponding relation, and finishing cash withdrawal transaction according to the target account information and the withdrawal amount information. The device performs the above method. The embodiment of the invention provides a method and a device, which improve cash-withdrawal transaction efficiency.

Description

Cash withdrawal transaction processing method and device
Technical Field
The invention relates to the technical field of data processing, in particular to a cash withdrawal transaction processing method and device.
Background
Because the ATM is widely distributed, people can conveniently take cash at any time and any place, however, some target users such as the old people cannot take cash by operating the ATM, so that network workers can help to take cash, or the old people need to take cash to a counter by holding an identity card, the cash taking transaction efficiency is low, and great inconvenience is brought to the target users.
Disclosure of Invention
To solve the problems in the prior art, embodiments of the present invention provide a cash withdrawal transaction processing method and apparatus, which can at least partially solve the problems in the prior art.
In one aspect, the present invention provides a cash withdrawal transaction processing method, including:
if a target statement spoken by a target user is identified, performing voice feature identification on the target statement, wherein the target statement comprises withdrawal action information and withdrawal amount information;
inquiring a voice feature recognition result in a preset user identity feature library, if the number of user identity feature information matched with the voice feature recognition result is more than 1, shooting a face image of the target user, and carrying out face feature recognition on the face image;
carrying out face matching on the matched user identity characteristic information and a face characteristic recognition result to obtain target user identity characteristic information matched with the face characteristic recognition result;
determining target account information corresponding to the target user identity characteristic information according to a preset corresponding relation, and finishing cash withdrawal transaction according to the target account information and the withdrawal amount information; the preset corresponding relationship comprises a corresponding relationship between preset user identity characteristic information and preset account information.
Wherein, the performing voice feature recognition on the target sentence comprises:
splitting the target statement to obtain the withdrawal action information;
and performing voice feature recognition on the withdrawal action information.
Wherein, before the step of performing voice feature recognition on the target sentence if the target sentence spoken by the target user is recognized, the cash-withdrawal transaction processing method further includes:
when a user opens account information, acquiring user identity characteristic information of the user;
and storing the user identity characteristic information into the preset user identity characteristic library, and establishing the preset corresponding relationship.
Wherein, the cash-withdrawal transaction processing method further comprises the following steps:
and if the number of the user identity characteristic information matched with the voice characteristic recognition result is determined to be equal to 1, directly confirming the user identity characteristic information as the target user identity characteristic information.
In one aspect, the present invention provides a cash withdrawal transaction processing apparatus, including:
the recognition unit is used for carrying out voice feature recognition on a target statement if the target statement spoken by a target user is recognized, wherein the target statement comprises withdrawal action information and withdrawal amount information;
the shooting unit is used for inquiring a voice feature recognition result in a preset user identity feature library, shooting a face image of the target user if the number of user identity feature information matched with the voice feature recognition result is more than 1, and carrying out face feature recognition on the face image;
the matching unit is used for carrying out face matching on the matched user identity characteristic information and a face characteristic recognition result to obtain target user identity characteristic information matched with the face characteristic recognition result;
the cash withdrawal unit is used for determining target account information corresponding to the target user identity characteristic information according to a preset corresponding relation and completing cash withdrawal transaction according to the target account information and the withdrawal amount information; the preset corresponding relation comprises a corresponding relation between preset user identity characteristic information and preset account information.
Wherein the identification unit is specifically configured to:
splitting the target statement to obtain the withdrawal action information;
and performing voice feature recognition on the withdrawal action information.
Wherein, before the step of performing voice feature recognition on the target sentence if the target sentence spoken by the target user is recognized, the cash-out transaction processing apparatus is further configured to:
when a user opens account information, acquiring user identity characteristic information of the user;
and storing the user identity characteristic information into the preset user identity characteristic library, and establishing the preset corresponding relation.
Wherein the cash withdrawal transaction processing device is further configured to:
and if the number of the user identity characteristic information matched with the voice characteristic recognition result is determined to be equal to 1, directly confirming the user identity characteristic information as the target user identity characteristic information.
In another aspect, an embodiment of the present invention provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor implements the following method when executing the computer program:
if a target statement spoken by a target user is identified, performing voice feature identification on the target statement, wherein the target statement comprises withdrawal action information and withdrawal amount information;
inquiring a voice feature recognition result in a preset user identity feature library, if the number of user identity feature information matched with the voice feature recognition result is more than 1, shooting a face image of the target user, and carrying out face feature recognition on the face image;
carrying out face matching on the matched user identity feature information and a face feature recognition result to obtain target user identity feature information matched with the face feature recognition result;
determining target account information corresponding to the target user identity characteristic information according to a preset corresponding relation, and finishing cash withdrawal transaction according to the target account information and the withdrawal amount information; the preset corresponding relation comprises a corresponding relation between preset user identity characteristic information and preset account information.
An embodiment of the present invention provides a computer-readable storage medium, including:
the computer-readable storage medium stores a computer program which, when executed by a processor, implements a method comprising:
if a target statement spoken by a target user is identified, performing voice feature identification on the target statement, wherein the target statement comprises withdrawal action information and withdrawal amount information;
inquiring a voice feature recognition result in a preset user identity feature library, if the number of user identity feature information matched with the voice feature recognition result is more than 1, shooting a face image of the target user, and carrying out face feature recognition on the face image;
carrying out face matching on the matched user identity feature information and a face feature recognition result to obtain target user identity feature information matched with the face feature recognition result;
determining target account information corresponding to the target user identity characteristic information according to a preset corresponding relation, and finishing cash withdrawal transaction according to the target account information and the withdrawal amount information; the preset corresponding relation comprises a corresponding relation between preset user identity characteristic information and preset account information.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the computer program implements the following method:
if a target statement spoken by a target user is identified, performing voice feature identification on the target statement, wherein the target statement comprises withdrawal action information and withdrawal amount information;
inquiring a voice feature recognition result in a preset user identity feature library, if the number of user identity feature information matched with the voice feature recognition result is more than 1, shooting a face image of the target user, and carrying out face feature recognition on the face image;
carrying out face matching on the matched user identity characteristic information and a face characteristic recognition result to obtain target user identity characteristic information matched with the face characteristic recognition result;
determining target account information corresponding to the target user identity characteristic information according to a preset corresponding relation, and finishing cash withdrawal transaction according to the target account information and the withdrawal amount information; the preset corresponding relation comprises a corresponding relation between preset user identity characteristic information and preset account information.
According to the cash withdrawal transaction processing method and device provided by the embodiment of the invention, if a target statement spoken by a target user is identified, voice feature identification is carried out on the target statement, and the target statement comprises withdrawal action information and withdrawal amount information; inquiring a voice feature recognition result in a preset user identity feature library, if the number of user identity feature information matched with the voice feature recognition result is more than 1, shooting a face image of the target user, and carrying out face feature recognition on the face image; carrying out face matching on the matched user identity characteristic information and a face characteristic recognition result to obtain target user identity characteristic information matched with the face characteristic recognition result; determining target account information corresponding to the target user identity characteristic information according to a preset corresponding relation, and finishing cash withdrawal transaction according to the target account information and the withdrawal amount information; the preset corresponding relation comprises the corresponding relation between the preset user identity characteristic information and the preset account information, the cash withdrawal transaction of the target user is facilitated, and the cash withdrawal transaction efficiency is improved.
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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 embodiments or the prior art descriptions will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts. In the drawings:
fig. 1 is a flowchart illustrating a cash withdrawal transaction processing method according to an embodiment of the present invention.
Fig. 2 is a flowchart illustrating a cash withdrawal transaction processing method according to another embodiment of the present invention.
Fig. 3 is a schematic structural diagram of modularity of a cash withdrawal transaction processing method according to an embodiment of the present invention.
Fig. 4 is a schematic structural diagram of a cash withdrawal transaction processing apparatus according to an embodiment of the present invention.
Fig. 5 is a schematic structural diagram of a computer device according to an embodiment of 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. It should be noted that the embodiments and features of the embodiments in the present application may be arbitrarily combined with each other without conflict.
Fig. 1 is a schematic flow chart of a cash withdrawal transaction processing method according to an embodiment of the present invention, and as shown in fig. 1, the cash withdrawal transaction processing method according to the embodiment of the present invention includes:
step S1: and if the target sentence spoken by the target user is identified, performing voice feature identification on the target sentence, wherein the target sentence comprises withdrawal action information and withdrawal amount information.
Step S2: and inquiring a voice feature recognition result in a preset user identity feature library, if the number of user identity feature information matched with the voice feature recognition result is more than 1, shooting a face image of the target user, and carrying out face feature recognition on the face image.
And step S3: and carrying out face matching on the matched user identity characteristic information and a face characteristic recognition result to obtain target user identity characteristic information matched with the face characteristic recognition result.
And step S4: determining target account information corresponding to the target user identity characteristic information according to a preset corresponding relation, and finishing cash withdrawal transaction according to the target account information and the withdrawal amount information; the preset corresponding relationship comprises a corresponding relationship between preset user identity characteristic information and preset account information.
In the step S1, if the device recognizes a target sentence uttered by a target user, the device performs voice feature recognition on the target sentence, where the target sentence includes withdrawal action information and withdrawal amount information. The apparatus may be a computer device or the like, e.g. a server, performing the method. According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations. The target user can be understood as the old and other users who are inconvenient to use the ATM.
The target statement includes a withdrawal verb and a withdrawal number, for example, if the target statement is "withdraw 100 yuan", the withdrawal verb corresponds to the withdrawal action information and is "withdraw"; the withdrawal number corresponds to withdrawal amount information, and is 100 yuan.
Sentence semantics can be recognized in a semantic recognition mode, and then the target sentence is recognized.
The performing voice feature recognition on the target sentence comprises:
splitting the target statement to obtain the withdrawal action information; the above-mentioned "withdrawal" is obtained.
And performing voice feature recognition on the withdrawal action information. The withdrawal is subjected to voice feature recognition to obtain a voice feature recognition result, the voice feature recognition result can reflect the voice feature of a target user, and the identity of the user can be recognized through the voice feature, namely, which user needs to withdraw money is recognized.
In the step S2, the apparatus queries a voice feature recognition result in a preset user identity feature library, and if it is determined that the number of user identity feature information matched with the voice feature recognition result is greater than 1, shoots a face image of the target user, and performs face feature recognition on the face image. If the number of the matched user identity characteristic information is greater than 1, it is indicated that a user with a voice characteristic similar to that of the user who actually withdraws money exists, in order to further distinguish, a face image of a target user can be shot through a camera, face characteristic recognition is carried out on the face image, an existing mature face characteristic recognition method can be adopted, and repeated description is omitted.
The cash withdrawal transaction processing method further comprises the following steps:
and if the number of the user identity characteristic information matched with the voice characteristic recognition result is determined to be equal to 1, directly confirming the user identity characteristic information as the target user identity characteristic information. If the number of the matched user identity characteristic information is equal to 1, it is indicated that no user with the voice characteristic similar to that of the actual money withdrawing user exists, no further distinction is needed, and the user identity characteristic information can be directly confirmed as the target user identity characteristic information.
In the step S3, the device performs face matching on the matched user identity feature information and a face feature recognition result to obtain target user identity feature information matched with the face feature recognition result. Namely, the user identity feature information comprises voice features and face features, and the features can reflect the user identity features.
Examples are as follows: the target user A needs to withdraw 100 yuan, the number of user identity feature information matched with the voice feature recognition result of the target user A is larger than 1, for example, 3, the user identity feature information is respectively marked as a1, b1 and c1, the face image of the target user A is shot to obtain the face feature recognition result of the target user A, the face of the target user A is matched with the face feature recognition result of the target user A through the face matching of the a1, the b1 and the c1 and the face feature recognition result of the target user A, and if the a1 is matched with the face feature recognition result of the target user A, the target user identity feature information is determined to be a1.
In the step S4, the device determines target account information corresponding to the target user identity feature information according to a preset corresponding relationship, and completes a cash withdrawal transaction according to the target account information and the withdrawal amount information; the preset corresponding relationship comprises a corresponding relationship between preset user identity characteristic information and preset account information. Account information corresponding to the user identity characteristic information of the above example is respectively denoted as a2, b2, and c2, and the preset correspondence may include the following correspondence:
a1 to a2, b1 to b2 and c1 to c2.
The target account information corresponding to the target user identification feature information a1 is a2.
Namely deducting 100 yuan from a2, and correspondingly outputting 100 yuan from the ATM for the user to withdraw.
The cash withdrawal transaction is completed according to the target account information and the withdrawal amount information, which is described as follows:
and judging whether the target account information meets the withdrawal condition, and if so, directly calling the bank core withdrawal transaction. Wherein, judging whether the target account information meets the cash-out condition comprises: whether the account balance is larger than or equal to the withdrawal amount, whether the account state is normal and the like.
And after confirming that the cash withdrawal condition is met, calling a bank core cash withdrawal transaction, and after the transaction is successful, informing the ATM to finish the cash discharge. Wherein, the transfer core cash-out transaction needs to be sent: user name, bank card number, cash withdrawal amount, etc.
As shown in fig. 2, further, before the step of performing voice feature recognition on the target sentence if the target sentence spoken by the target user is recognized, the cash withdrawal transaction processing method further includes:
step R1: when a user opens account information, acquiring user identity characteristic information of the user; at this time, the user is not a target user because the user has not yet made a cash-out request, but in order to meet the cash-out requirement, the user is required to open account information in advance, and further, the user is required to provide user identification feature information.
The account information may include: user name, mobile phone number, certificate number, bank account, account balance, account status, etc.
Step R2: and storing the user identity characteristic information into the preset user identity characteristic library, and establishing the preset corresponding relation. The server may store the user identity feature information in a database, which may be a dedicated preset user identity feature library. The preset corresponding relationship may refer to the above description, and is not described in detail.
According to the cash withdrawal transaction processing method provided by the embodiment of the invention, if a target statement spoken by a target user is identified, voice feature identification is carried out on the target statement, wherein the target statement comprises withdrawal action information and withdrawal amount information; inquiring a voice feature recognition result in a preset user identity feature library, if the number of user identity feature information matched with the voice feature recognition result is more than 1, shooting a face image of the target user, and carrying out face feature recognition on the face image; carrying out face matching on the matched user identity feature information and a face feature recognition result to obtain target user identity feature information matched with the face feature recognition result; determining target account information corresponding to the target user identity characteristic information according to a preset corresponding relation, and finishing cash withdrawal transaction according to the target account information and the withdrawal amount information; the preset corresponding relation comprises the corresponding relation between the preset user identity characteristic information and the preset account information, the cash withdrawal transaction of the target user is facilitated, and the cash withdrawal transaction efficiency is improved.
As shown in fig. 3, taking a target user as an old man as an example, the method of the embodiment of the present invention may be implemented based on modularization, and specifically includes:
voice portrait storage module 1
When the old people opens a bank account in a bank, the withdrawing voice and the face portrait of the old people are stored in a background database for matching with subsequent users and are associated with the account information of the old people. Wherein the information of the account of the elderly person comprises: user name, mobile phone number, certificate number, bank account, account balance, account status, etc.
Voice acquisition module 2
When the old people go to the ATM to cash out, only the old people need to say 'how much money to withdraw', and the ATM obtains the voice of the old people and then transmits the voice to the background for voice recognition.
Speech recognition module 3
After receiving the voice of the old, the voice of withdrawing money and the voice of money are separated and respectively identified. The withdrawing voice is directly matched with the withdrawing voice stored in the database, if only one result is matched, the old man is successfully identified, and if a plurality of results are matched, secondary identification is carried out through face portrait matching. After the voice of the money is recognized into the number, the money to be paid by the old is known.
Face image recognition module 4
If a plurality of results are recognized by voice, the ATM acquires face portrait of the old through the camera and transmits the face portrait to the background for matching, and the face portrait acquired by the ATM is matched with the face portraits of the old recognized by voice, so that the identity of the old is determined.
Cash withdrawal verification module 5
After the old people are identified, the account information of the old people is obtained through the corresponding relation between voice, face pictures and the account information, whether the account of the old people meets the cash withdrawal condition or not is judged, and if yes, the bank core cash withdrawal transaction is directly called. Wherein judging whether the account of the old man meets the cash-taking condition comprises: whether the account balance is greater than or equal to the cash withdrawal amount, whether the account status is normal, and the like.
Cash withdrawal module 6
And after the cash withdrawal condition is met, calling a bank core cash withdrawal transaction, and after the transaction is successful, informing the ATM to finish the cash discharge. Wherein the core cash-out transaction is invoked by sending: user name, bank card number and cash withdrawal amount.
Further, the performing voice feature recognition on the target sentence comprises:
splitting the target statement to obtain the withdrawal action information; reference is made to the above description and no further description is made.
And performing voice feature recognition on the withdrawal action information. Reference is made to the above description and no further description is made.
Further, before the step of performing voice feature recognition on the target sentence if the target sentence spoken by the target user is recognized, the cash-out transaction processing method further includes:
when a user opens account information, acquiring user identity characteristic information of the user; reference is made to the above description and no further description is made.
And storing the user identity characteristic information into the preset user identity characteristic library, and establishing the preset corresponding relation. Reference is made to the above description and no further description is made.
Further, the cash withdrawal transaction processing method further comprises the following steps:
and if the number of the user identity characteristic information matched with the voice characteristic recognition result is determined to be equal to 1, directly confirming the user identity characteristic information as the target user identity characteristic information. Reference is made to the above description and no further description is made.
It should be noted that the cash withdrawal transaction processing method provided in the embodiment of the present invention may be used in the financial field, and may also be used in any technical field other than the financial field.
Fig. 4 is a schematic structural diagram of a cash withdrawal transaction processing apparatus according to an embodiment of the present invention, and as shown in fig. 4, the cash withdrawal transaction processing apparatus according to the embodiment of the present invention includes an identification unit 401, a shooting unit 402, a matching unit 403, and a cash withdrawal unit 404, where:
the recognition unit 401 is configured to perform voice feature recognition on a target sentence spoken by a target user if the target sentence is recognized, where the target sentence includes withdrawal action information and withdrawal amount information; the shooting unit 402 is configured to query a voice feature recognition result in a preset user identity feature library, and if it is determined that the number of user identity feature information matched with the voice feature recognition result is greater than 1, shoot a face image of the target user, and perform face feature recognition on the face image; the matching unit 403 is configured to perform face matching on the matched user identity feature information and a face feature recognition result, so as to obtain target user identity feature information matched with the face feature recognition result; the cash withdrawal unit 404 is configured to determine, according to a preset correspondence, target account information corresponding to the target user identity feature information, and complete a cash withdrawal transaction according to the target account information and the withdrawal amount information; the preset corresponding relation comprises a corresponding relation between preset user identity characteristic information and preset account information.
Specifically, the recognition unit 401 in the device is configured to perform voice feature recognition on a target sentence spoken by a target user if the target sentence is recognized, where the target sentence includes withdrawal action information and withdrawal amount information; the shooting unit 402 is configured to query a voice feature recognition result in a preset user identity feature library, and if it is determined that the number of user identity feature information matched with the voice feature recognition result is greater than 1, shoot a face image of the target user, and perform face feature recognition on the face image; the matching unit 403 is configured to perform face matching on the matched user identity feature information and a face feature recognition result, so as to obtain target user identity feature information matched with the face feature recognition result; the cash withdrawal unit 404 is configured to determine, according to a preset correspondence, target account information corresponding to the target user identity feature information, and complete a cash withdrawal transaction according to the target account information and the withdrawal amount information; the preset corresponding relation comprises a corresponding relation between preset user identity characteristic information and preset account information.
According to the cash withdrawal transaction processing device provided by the embodiment of the invention, if a target statement spoken by a target user is identified, voice feature identification is carried out on the target statement, and the target statement comprises withdrawal action information and withdrawal amount information; inquiring a voice feature recognition result in a preset user identity feature library, if the number of user identity feature information matched with the voice feature recognition result is more than 1, shooting a face image of the target user, and carrying out face feature recognition on the face image; carrying out face matching on the matched user identity feature information and a face feature recognition result to obtain target user identity feature information matched with the face feature recognition result; determining target account information corresponding to the target user identity characteristic information according to a preset corresponding relation, and finishing cash withdrawal transaction according to the target account information and the withdrawal amount information; the preset corresponding relation comprises the corresponding relation between the preset user identity characteristic information and the preset account information, the cash withdrawal transaction of the target user is facilitated, and the cash withdrawal transaction efficiency is improved.
Further, the identifying unit 401 is specifically configured to:
splitting the target statement to obtain the withdrawal action information;
and performing voice feature recognition on the withdrawal action information.
Further, before the step of performing voice feature recognition on the target sentence if the target sentence spoken by the target user is recognized, the cash withdrawal transaction processing apparatus is further configured to:
when a user opens account information, acquiring user identity characteristic information of the user;
and storing the user identity characteristic information into the preset user identity characteristic library, and establishing the preset corresponding relationship.
Further, the cash withdrawal transaction processing device is further configured to:
and if the number of the user identity characteristic information matched with the voice characteristic recognition result is determined to be equal to 1, directly confirming the user identity characteristic information as the target user identity characteristic information.
The embodiment of the present invention providing the cash-retrieval transaction processing apparatus may be specifically configured to execute the processing flows of the above method embodiments, and the functions thereof are not described herein again, and refer to the detailed description of the above method embodiments.
Fig. 5 is a schematic structural diagram of a computer device provided in an embodiment of the present invention, and as shown in fig. 5, the computer device includes: a memory 501, a processor 502 and a computer program stored on the memory 501 and executable on the processor 502, the processor 502 implementing the following method when executing the computer program:
if a target statement spoken by a target user is identified, performing voice feature identification on the target statement, wherein the target statement comprises withdrawal action information and withdrawal amount information;
inquiring a voice feature recognition result in a preset user identity feature library, if the number of user identity feature information matched with the voice feature recognition result is more than 1, shooting a face image of the target user, and carrying out face feature recognition on the face image;
carrying out face matching on the matched user identity characteristic information and a face characteristic recognition result to obtain target user identity characteristic information matched with the face characteristic recognition result;
determining target account information corresponding to the target user identity characteristic information according to a preset corresponding relation, and finishing cash withdrawal transaction according to the target account information and the withdrawal amount information; the preset corresponding relation comprises a corresponding relation between preset user identity characteristic information and preset account information.
The present embodiment discloses a computer program product comprising a computer program which, when executed by a processor, implements the method of:
if a target statement spoken by a target user is identified, performing voice feature identification on the target statement, wherein the target statement comprises withdrawal action information and withdrawal amount information;
inquiring a voice feature recognition result in a preset user identity feature library, if the number of user identity feature information matched with the voice feature recognition result is more than 1, shooting a face image of the target user, and carrying out face feature recognition on the face image;
carrying out face matching on the matched user identity characteristic information and a face characteristic recognition result to obtain target user identity characteristic information matched with the face characteristic recognition result;
determining target account information corresponding to the target user identity characteristic information according to a preset corresponding relation, and finishing cash withdrawal transaction according to the target account information and the withdrawal amount information; the preset corresponding relationship comprises a corresponding relationship between preset user identity characteristic information and preset account information.
The present embodiments provide a computer-readable storage medium storing a computer program which, when executed by a processor, implements a method of:
if a target statement spoken by a target user is identified, performing voice feature identification on the target statement, wherein the target statement comprises withdrawal action information and withdrawal amount information;
inquiring a voice feature recognition result in a preset user identity feature library, if the number of user identity feature information matched with the voice feature recognition result is more than 1, shooting a face image of the target user, and carrying out face feature recognition on the face image;
carrying out face matching on the matched user identity feature information and a face feature recognition result to obtain target user identity feature information matched with the face feature recognition result;
determining target account information corresponding to the target user identity characteristic information according to a preset corresponding relation, and finishing cash withdrawal transaction according to the target account information and the withdrawal amount information; the preset corresponding relation comprises a corresponding relation between preset user identity characteristic information and preset account information.
Compared with the technical scheme in the prior art, if a target statement spoken by a target user is identified, voice feature identification is carried out on the target statement, and the target statement comprises withdrawal action information and withdrawal amount information; inquiring a voice feature recognition result in a preset user identity feature library, if the number of user identity feature information matched with the voice feature recognition result is more than 1, shooting a face image of the target user, and carrying out face feature recognition on the face image; carrying out face matching on the matched user identity characteristic information and a face characteristic recognition result to obtain target user identity characteristic information matched with the face characteristic recognition result; determining target account information corresponding to the target user identity characteristic information according to a preset corresponding relation, and finishing cash withdrawal transaction according to the target account information and the withdrawal amount information; the preset corresponding relation comprises the corresponding relation between the preset user identity characteristic information and the preset account information, the cash withdrawal transaction of the target user is facilitated, and the cash withdrawal transaction efficiency is improved.
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.
In the description of the specification, reference to the description of "one embodiment," a specific embodiment, "" some embodiments, "" e.g., "an example," "a specific example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
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 (11)

1. A cash withdrawal transaction processing method, comprising:
if a target statement spoken by a target user is identified, performing voice feature identification on the target statement, wherein the target statement comprises withdrawal action information and withdrawal amount information;
inquiring a voice feature recognition result in a preset user identity feature library, if the number of user identity feature information matched with the voice feature recognition result is more than 1, shooting a face image of the target user, and carrying out face feature recognition on the face image;
carrying out face matching on the matched user identity characteristic information and a face characteristic recognition result to obtain target user identity characteristic information matched with the face characteristic recognition result;
determining target account information corresponding to the target user identity characteristic information according to a preset corresponding relation, and finishing cash withdrawal transaction according to the target account information and the withdrawal amount information; the preset corresponding relation comprises a corresponding relation between preset user identity characteristic information and preset account information.
2. The cash withdrawal transaction processing method of claim 1, wherein the performing voice feature recognition on the target sentence comprises:
splitting the target statement to obtain the withdrawal action information;
and performing voice feature recognition on the withdrawal action information.
3. The cash-out transaction processing method according to claim 1, wherein before the step of performing voice feature recognition on the target sentence if the target sentence spoken by the target user is recognized, the cash-out transaction processing method further comprises:
when a user opens account information, acquiring user identity characteristic information of the user;
and storing the user identity characteristic information into the preset user identity characteristic library, and establishing the preset corresponding relation.
4. The cash withdrawal transaction processing method according to claim 1, further comprising:
and if the number of the user identity characteristic information matched with the voice characteristic recognition result is determined to be equal to 1, directly confirming the user identity characteristic information as the target user identity characteristic information.
5. A cash withdrawal transaction processing apparatus, comprising:
the recognition unit is used for carrying out voice feature recognition on a target statement if the target statement spoken by a target user is recognized, wherein the target statement comprises withdrawal action information and withdrawal amount information;
the shooting unit is used for inquiring a voice feature recognition result in a preset user identity feature library, shooting a face image of the target user if the number of the user identity feature information matched with the voice feature recognition result is more than 1, and carrying out face feature recognition on the face image;
the matching unit is used for carrying out face matching on the matched user identity characteristic information and a face characteristic recognition result to obtain target user identity characteristic information matched with the face characteristic recognition result;
the cash withdrawal unit is used for determining target account information corresponding to the target user identity characteristic information according to a preset corresponding relation and finishing cash withdrawal transaction according to the target account information and the withdrawal amount information; the preset corresponding relationship comprises a corresponding relationship between preset user identity characteristic information and preset account information.
6. The cash withdrawal transaction processing apparatus according to claim 5, wherein the identification unit is specifically configured to:
splitting the target statement to obtain the withdrawal action information;
and performing voice feature recognition on the withdrawal action information.
7. The cash withdrawal transaction processing device according to claim 5, wherein before the step of performing voice feature recognition on the target sentence if the target sentence spoken by the target user is recognized, the cash withdrawal transaction processing device is further configured to:
when a user opens account information, acquiring user identity characteristic information of the user;
and storing the user identity characteristic information into the preset user identity characteristic library, and establishing the preset corresponding relation.
8. The cash withdrawal transaction processing apparatus according to claim 5, wherein the cash withdrawal transaction processing apparatus is further configured to:
and if the number of the user identity characteristic information matched with the voice characteristic recognition result is determined to be equal to 1, directly confirming the user identity characteristic information as the target user identity characteristic information.
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 which, when executed by a processor, implements the method of any of claims 1 to 4.
11. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 4.
CN202211020156.7A 2022-08-24 2022-08-24 Cash withdrawal transaction processing method and device Pending CN115392915A (en)

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Application Number Priority Date Filing Date Title
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Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202211020156.7A CN115392915A (en) 2022-08-24 2022-08-24 Cash withdrawal transaction processing method and device

Publications (1)

Publication Number Publication Date
CN115392915A true CN115392915A (en) 2022-11-25

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Application Number Title Priority Date Filing Date
CN202211020156.7A Pending CN115392915A (en) 2022-08-24 2022-08-24 Cash withdrawal transaction processing method and device

Country Status (1)

Country Link
CN (1) CN115392915A (en)

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