CN115457963A - Voice-based electric charge payment method and device - Google Patents
Voice-based electric charge payment method and device Download PDFInfo
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- CN115457963A CN115457963A CN202211077874.8A CN202211077874A CN115457963A CN 115457963 A CN115457963 A CN 115457963A CN 202211077874 A CN202211077874 A CN 202211077874A CN 115457963 A CN115457963 A CN 115457963A
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- 238000004590 computer program Methods 0.000 claims description 29
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- G—PHYSICS
- G10—MUSICAL INSTRUMENTS; ACOUSTICS
- G10L—SPEECH ANALYSIS TECHNIQUES OR SPEECH SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING TECHNIQUES; SPEECH OR AUDIO CODING OR DECODING
- G10L17/00—Speaker identification or verification techniques
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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
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G—PHYSICS
- G10—MUSICAL INSTRUMENTS; ACOUSTICS
- G10L—SPEECH ANALYSIS TECHNIQUES OR SPEECH SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING TECHNIQUES; SPEECH OR AUDIO CODING OR DECODING
- G10L15/00—Speech recognition
- G10L15/22—Procedures used during a speech recognition process, e.g. man-machine dialogue
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/12—Messaging; Mailboxes; Announcements
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Abstract
The invention provides a voice-based electric charge payment method and a voice-based electric charge payment device, which can be used in the technical field of finance, and the method comprises the following steps: receiving a 5G message of a voice electric charge payment instruction sent by a user; when the 5G message is recognized as the voice electric charge payment instruction, searching a first voice electric charge payment condition which accords with the voice electric charge payment instruction and has complete payment elements according to the priority of the voice electric charge payment condition; performing voiceprint recognition on the 5G message, and determining to obtain a voiceprint recognition result; and when the voiceprint recognition result is determined to be the user, executing the electric charge payment operation based on the first voice electric charge payment condition. The invention can carry out the payment of the electric charge based on voice, has simple safety certification and low use threshold.
Description
Technical Field
The invention relates to the technical field of finance, in particular to a voice-based electric charge payment method and device.
Background
The conventional process of paying the electric charge by a user in a bank is that the user logs in a mobile phone bank APP, selects a payment unit, a user number and an amount to initiate payment, selects a payment account and performs security authentication (short message verification, face identification and the like), and then the bank executes payment transaction.
The problems of the existing flow are as follows: 1. the payment process is complex, and all payment elements need to be input for each payment; 2. the security certification is strong, and the same strong security certification is carried out on all payment; 3. based on the existing bank service terminals such as APP and public numbers, the use threshold is relatively high.
Disclosure of Invention
The embodiment of the invention provides a voice-based electric charge payment method, which is used for carrying out voice-based electric charge payment, has simple safety certification and low use threshold and comprises the following steps:
receiving a 5G message of a voice electric charge payment instruction sent by a user;
when the 5G message is identified to be a voice electric charge payment instruction, searching a first voice electric charge payment condition which accords with the voice electric charge payment instruction and has complete payment elements according to the priority of the voice electric charge payment condition;
carrying out voiceprint recognition on the 5G message, and determining to obtain a voiceprint recognition result;
and when the voiceprint recognition result is determined to be the user, executing the electric charge payment operation based on the first voice electric charge payment condition.
The embodiment of the invention provides a voice-based electric charge payment device, which is used for carrying out voice-based electric charge payment, has simple safety certification and low use threshold, and comprises:
the 5G message receiving module is used for receiving a 5G message of a voice electric charge payment instruction sent by a user;
the voice electric charge payment condition query module is used for searching a first voice electric charge payment condition which accords with the voice electric charge payment instruction and has complete payment elements according to the priority of the voice electric charge payment condition when the 5G message is recognized as the voice electric charge payment instruction;
the voiceprint recognition module is used for carrying out voiceprint recognition on the 5G message and determining to obtain a voiceprint recognition result;
and the payment execution module is used for executing the electric charge payment operation based on the first voice electric charge payment condition when the voiceprint recognition result is determined to be the user.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor executes the computer program to realize the voice-based electric charge payment method.
The embodiment of the invention also provides a computer readable storage medium, which stores a computer program, and the computer program is executed by a processor to realize the voice-based electric charge payment method.
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 method for paying an electric charge based on voice is implemented.
In the embodiment of the invention, 5G information of a voice electric charge payment instruction sent by a user is received; when the 5G message is identified to be a voice electric charge payment instruction, searching a first voice electric charge payment condition which accords with the voice electric charge payment instruction and has complete payment elements according to the priority of the voice electric charge payment condition; performing voiceprint recognition on the 5G message, and determining to obtain a voiceprint recognition result; and when the voiceprint recognition result is determined to be the user, executing the electric charge payment operation based on the first voice electric charge payment condition. In the process, compared with the prior art that a user directly logs in a mobile phone bank APP to fill in a large amount of information for payment and then performs strong security authentication, the first voice electric charge payment condition which accords with the voice electric charge payment instruction and has complete payment elements is searched according to the priority of the voice electric charge payment condition, so that the user can be prevented from inputting a large amount of information; in addition, only voiceprint recognition is needed for identity authentication, a strong authentication mode is not needed, only voice operation of a user is needed, and the use threshold is low.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the 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 of a voice-based electricity fee payment method according to an embodiment of the present invention;
FIG. 2 is a second flowchart of a voice-based electric bill payment method according to an embodiment of the present invention;
fig. 3 is a third flowchart of a voice-based electricity fee payment method according to an embodiment of the present invention;
FIG. 4 is a schematic diagram of a voice-based electricity bill payment device according to an embodiment of the present invention;
FIG. 5 is a diagram of a computer device in an embodiment of the 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.
In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including, but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. 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, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the various embodiments is provided to illustrate the practice of the present application, and the sequence of steps is not limited thereto and can be adjusted as needed.
First, terms related to the present invention will be explained.
5G message service: the traditional short message service is upgraded to a rich media message service, which is called a 5G message service. The 5G messaging service not only supports multimedia messaging interaction between individual users, but also enables industry customers to provide new digital interactive services based on rich media for their users.
And (3) voiceprint recognition: the technology of distinguishing the identity of a speaker through voice is divided into speaker identification and speaker confirmation, wherein the speaker confirmation refers to the fact that whether a section of voice to be detected is from a target user or not is judged, and the two classification problems are 1 to 1.
Fig. 1 is a flowchart of a voice-based electric charge payment method according to an embodiment of the present invention, as shown in fig. 1, the method includes:
103, carrying out voiceprint recognition on the 5G message, and determining to obtain a voiceprint recognition result;
and 104, when the voiceprint recognition result is determined to be the user, executing the electric charge payment operation based on the first voice electric charge payment condition.
In the embodiment of the invention, compared with the prior art that a user directly logs in a mobile phone bank APP to fill in a large amount of information for payment and then carries out strong security authentication, the first voice electric charge payment condition which accords with a voice electric charge payment instruction and has complete payment elements is searched according to the priority of the voice electric charge payment condition, so that the user can be prevented from inputting a large amount of information; in addition, only voiceprint recognition is needed for identity authentication, a strong authentication mode is not needed, only user voice operation is needed, the payment instruction and the safety authentication are combined into a whole through voice recognition, user operation is reduced, and the use threshold is low. The effect of improving user experience on the premise of meeting transaction safety can be achieved.
In step 101, a 5G message of a voice electric charge payment instruction sent by a user is received.
Specifically, the user sends a voice electric charge payment instruction through the 5G message, the mobile operator transmits the message sent by the user to the bank background, and the bank background performs step 102.
In step 102, when the 5G message is recognized as the voice electric charge payment instruction, a first voice electric charge payment condition which meets the voice electric charge payment instruction and has complete payment elements is searched according to the priority of the voice electric charge payment condition.
In an embodiment, the preset voice electric charge payment condition includes one or any combination of a payment unit, a user number, a region where the electric meter is located, a payment account sequence, a preference selection and a payment amount.
That is, not all of the above elements are necessary, and several necessary items may be arranged or not provided, but at least one element is input.
Specifically, the compliance with the voice electric charge payment instruction means that the keywords conforming to the voice electric charge payment condition are consistent, for example, when the voice electric charge payment condition is a payment unit, if the voice electric charge payment instruction includes the payment unit, the voice electric charge payment instruction is not limited to the payment unit. The payment element refers to the existence of all elements in a payment unit, a household number, an area where the electric meter is located, a payment account sequence, preferential selection and a payment amount.
Fig. 2 is a second flowchart of a voice-based electric fee payment method according to an embodiment of the present invention, in an embodiment, the method further includes:
In the embodiment, the identity of the user is authenticated by adopting a strong authentication mode, and the safety of voice electric charge payment is confirmed in advance. The strong authentication mode comprises short message verification codes, face recognition and the like.
Of course, a plurality of voice electric charge payment conditions may be set, for example, the first voice electric charge payment condition is a payment unit and a house number; the second voice electric charge payment condition is a payment account and a user number. When the voice electric charge payment condition is more than 1, the user is required to select the priority.
Fig. 3 is a third flowchart of a voice-based electric fee payment method according to an embodiment of the present invention, and in an embodiment, the method further includes:
In addition, when the voice electric charge payment condition is not found, the perfect voice electric charge payment condition of the user is received.
In step 103, performing voiceprint recognition on the 5G message, and determining to obtain a voiceprint recognition result;
generally, the background stores voiceprint data of a user in advance, and then voiceprint recognition is performed to determine whether the user is the user himself or herself.
In step 104, when the voiceprint recognition result is determined to be the user, the electric charge payment operation is executed based on the first voice electric charge payment condition.
Certainly, a complete payment element of the first voice electric charge payment condition needs to be obtained to execute the electric charge payment operation.
In summary, in the method provided by the embodiment of the present invention, a 5G message of a voice electric charge payment instruction sent by a user is received; when the 5G message is identified to be a voice electric charge payment instruction, searching a first voice electric charge payment condition which accords with the voice electric charge payment instruction and has complete payment elements according to the priority of the voice electric charge payment condition; carrying out voiceprint recognition on the 5G message, and determining to obtain a voiceprint recognition result; and when the voiceprint recognition result is determined to be the user, executing the electric charge payment operation based on the first voice electric charge payment condition. In the process, compared with the prior art that a user directly logs in a mobile phone bank APP to fill in a large amount of information for payment and then performs strong security authentication, the first voice electric charge payment condition which accords with the voice electric charge payment instruction and has complete payment elements is searched according to the priority of the voice electric charge payment condition, so that the user can be prevented from inputting a large amount of information; in addition, only voiceprint recognition is needed for identity authentication, a strong authentication mode is not needed, only voice operation of a user is needed, and the use threshold is low.
The embodiment of the invention also provides a voice-based electric charge payment device, the principle of which is similar to that of the voice-based electric charge payment method, and details are not repeated here.
Fig. 4 is a schematic diagram of a voice-based electric fee payment device according to an embodiment of the present invention, including:
the 5G message receiving module 401 is configured to receive a 5G message of a voice electric charge payment instruction sent by a user;
the voice electric charge payment condition query module 402 is configured to, when the 5G message is identified as the voice electric charge payment instruction, search for a first voice electric charge payment condition that meets the voice electric charge payment instruction and has complete payment elements according to the priority of the voice electric charge payment condition;
a voiceprint recognition module 403, configured to perform voiceprint recognition on the 5G message, and determine to obtain a voiceprint recognition result;
and a payment executing module 404, configured to execute an electric charge payment operation based on the first voice electric charge payment condition when the voiceprint recognition result is determined to be the user.
In an embodiment, the preset voice electric charge payment condition includes one or any combination of a payment unit, a user number, a region where the electric meter is located, a payment account sequence, a preference selection and a payment amount.
In an embodiment, the apparatus further includes a voice electric charge payment condition setting module 405, configured to:
receiving newly added or modified voice electric charge payment conditions and/or corresponding priorities of users;
authenticating the identity of the user by adopting a strong authentication mode;
and after passing the authentication, storing the voice electric charge payment condition and the corresponding priority.
In an embodiment, the apparatus further includes a guiding information generating module 406 configured to:
and generating guide information when the voice electric charge payment condition is not found, wherein the guide information is used for guiding the user to perfect the voice electric charge payment condition.
In summary, in the apparatus provided in the embodiment of the present invention, a 5G message of a voice electric charge payment instruction sent by a user is received; when the 5G message is identified to be a voice electric charge payment instruction, searching a first voice electric charge payment condition which accords with the voice electric charge payment instruction and has complete payment elements according to the priority of the voice electric charge payment condition; performing voiceprint recognition on the 5G message, and determining to obtain a voiceprint recognition result; and when the voiceprint recognition result is determined to be the user, executing the electric charge payment operation based on the first voice electric charge payment condition. In the process, compared with the prior art that a user directly logs in a mobile phone bank APP to fill in a large amount of information for payment and then performs strong security authentication, the first voice electric charge payment condition which accords with the voice electric charge payment instruction and has complete payment elements is searched according to the priority of the voice electric charge payment condition, so that the user can be prevented from inputting a large amount of information; in addition, only voiceprint recognition is needed for identity authentication, a strong authentication mode is not needed, only voice operation of a user is needed, and the use threshold is low.
Fig. 5 is a schematic diagram of a computer device in an embodiment of the present invention, where the computer device 500 includes a memory 510, a processor 520, and a computer program 530 stored in the memory 510 and executable on the processor 520, and when the processor 520 executes the computer program 530, the above-mentioned voice-based electric charge payment method is implemented.
The embodiment of the invention also provides a computer readable storage medium, which stores a computer program, and the computer program is executed by a processor to realize the voice-based electric charge payment method.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when executed by a processor, the computer program implements the above-mentioned voice-based electric charge payment method.
It will be appreciated by one skilled in the art that 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 service system 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 business systems according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (11)
1. A voice-based electric charge payment method is characterized by comprising the following steps:
receiving a 5G message of a voice electric charge payment instruction sent by a user;
when the 5G message is identified to be a voice electric charge payment instruction, searching a first voice electric charge payment condition which accords with the voice electric charge payment instruction and has complete payment elements according to the priority of the voice electric charge payment condition;
performing voiceprint recognition on the 5G message, and determining to obtain a voiceprint recognition result;
and when the voiceprint recognition result is determined to be the user, executing the electric charge payment operation based on the first voice electric charge payment condition.
2. The method of claim 1, wherein the preset voice electric charge payment condition includes one or any combination of a payment unit, a user number, a region where the electric meter is located, a payment account sequence, a preference and a payment amount.
3. The method of claim 1, further comprising:
receiving a voice electric charge payment condition newly added or modified by a user and/or a corresponding priority;
authenticating the user identity by adopting a strong authentication mode;
and after passing the authentication, storing the voice electric charge payment condition and the corresponding priority.
4. The method of claim 1, further comprising:
and generating guide information when the voice electric charge payment condition is not found, wherein the guide information is used for guiding the user to perfect the voice electric charge payment condition.
5. The utility model provides an electric charge payment device based on pronunciation which characterized in that includes:
the 5G message receiving module is used for receiving a 5G message of a voice electric charge payment instruction sent by a user;
the voice electric charge payment condition query module is used for searching a first voice electric charge payment condition which accords with the voice electric charge payment instruction and has complete payment elements according to the priority of the voice electric charge payment condition when the 5G message is identified as the voice electric charge payment instruction;
the voiceprint recognition module is used for carrying out voiceprint recognition on the 5G message and determining to obtain a voiceprint recognition result;
and the payment execution module is used for executing the electric charge payment operation based on the first voice electric charge payment condition when the voiceprint recognition result is determined to be the user.
6. The apparatus of claim 5, wherein the predetermined voice electric charge payment condition includes one or any combination of a payment unit, a user number, a region where the electric meter is located, a payment account sequence, a preference and a payment amount.
7. The apparatus of claim 5, further comprising a voice electric charge payment condition setting module for:
receiving newly added or modified voice electric charge payment conditions and/or corresponding priorities of users;
authenticating the identity of the user by adopting a strong authentication mode;
and after passing the authentication, storing the voice electric charge payment condition and the corresponding priority.
8. The apparatus of claim 5, further comprising a guidance information generation module to:
and when the voice electric charge payment condition is not found, generating guide information, wherein the guide information is used for guiding the user to perfect the voice electric charge payment condition.
9. A computer arrangement comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 4 when executing the computer program.
10. A computer-readable storage medium, characterized in that it stores a computer program which, when executed by a processor, implements the method of any one 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.
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| CN202211077874.8A CN115457963A (en) | 2022-09-05 | 2022-09-05 | Voice-based electric charge payment method and device |
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| CN202211077874.8A CN115457963A (en) | 2022-09-05 | 2022-09-05 | Voice-based electric charge payment method and device |
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| CN105869290A (en) * | 2015-01-23 | 2016-08-17 | 中兴通讯股份有限公司 | Water and electricity fee paying method and device |
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| WO2019085575A1 (en) * | 2017-11-02 | 2019-05-09 | 阿里巴巴集团控股有限公司 | Voiceprint authentication method and apparatus, and account registration method and apparatus |
| CN110444200A (en) * | 2018-05-04 | 2019-11-12 | 北京京东尚科信息技术有限公司 | Information processing method, electronic equipment, server, computer system and medium |
| CN113794810A (en) * | 2021-09-27 | 2021-12-14 | 中国银行股份有限公司 | Telephone charge recharging method and device |
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2022
- 2022-09-05 CN CN202211077874.8A patent/CN115457963A/en active Pending
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN105869290A (en) * | 2015-01-23 | 2016-08-17 | 中兴通讯股份有限公司 | Water and electricity fee paying method and device |
| WO2019085575A1 (en) * | 2017-11-02 | 2019-05-09 | 阿里巴巴集团控股有限公司 | Voiceprint authentication method and apparatus, and account registration method and apparatus |
| CN110444200A (en) * | 2018-05-04 | 2019-11-12 | 北京京东尚科信息技术有限公司 | Information processing method, electronic equipment, server, computer system and medium |
| CN109255621A (en) * | 2018-09-30 | 2019-01-22 | 中国银行股份有限公司 | A kind of information processing method and system |
| CN113794810A (en) * | 2021-09-27 | 2021-12-14 | 中国银行股份有限公司 | Telephone charge recharging method and device |
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