CN117670361A - Voiceprint payment method and device and electronic equipment - Google Patents

Abstract

The application discloses a voiceprint payment method, a voiceprint payment device and electronic equipment. Wherein the method comprises the following steps: receiving a communication identifier of a target object sent by a commodity platform, wherein the communication identifier is obtained by the commodity platform from an order to be paid of the target object; calling a target object according to the communication identifier, and acquiring target voiceprint information of the target object after the target object is answered; and verifying target voiceprint information and registered voiceprint information, and performing order payment according to a verification result, wherein the registered voiceprint information is voiceprint information of a target object registered in a voiceprint system in advance. The method and the device solve the technical problems that the existing payment mode requires a user to manually input a password or use fingerprint identification for identity verification, operation is complex and potential safety hazards exist.

Description

Voiceprint payment method and device and electronic equipment

Technical Field

The application relates to the field of voiceprint data, in particular to a voiceprint payment method, a voiceprint payment device and electronic equipment.

Background

With the development of technology and the advancement of society, mobile payment has become an indispensable part of people's daily life. However, existing mobile payment technologies have some problems. Firstly, some payment methods require users to manually input passwords or use biological recognition technologies such as fingerprint recognition to perform identity verification, which not only increases the operation complexity of the users, but also has certain potential safety hazards. Second, existing payment methods have high real-time requirements for transactions, and for some urgent transaction requirements, such as urgent purchase of goods or services, the user may have to wait a long time to complete the payment operation.

In view of the above problems, no effective solution has been proposed at present.

Disclosure of Invention

The embodiment of the application provides a voiceprint payment method, device and electronic equipment, which at least solve the technical problems that the existing payment mode requires a user to manually input a password or uses fingerprint identification for identity verification, the operation is complex and potential safety hazards exist.

According to one aspect of the embodiments of the present application, there is provided a method of voiceprint payment, comprising: receiving a communication identifier of a target object sent by a commodity platform, wherein the communication identifier is obtained by the commodity platform from an order to be paid of the target object; calling a target object according to the communication identifier, and acquiring target voiceprint information of the target object after the target object is answered; and verifying target voiceprint information and registered voiceprint information, and performing order payment according to a verification result, wherein the registered voiceprint information is voiceprint information of a target object registered in a voiceprint system in advance.

Optionally, the registered voiceprint information is registered by: receiving a voiceprint registration request initiated by a target object, wherein the voiceprint registration request comprises identity information and communication identification of the target object; and performing voiceprint registration on the target object according to the voiceprint registration request, and obtaining registration voiceprint information of the target object after successful registration.

Optionally, performing voiceprint registration on the target object according to the voiceprint registration request includes: generating registration information according to the voiceprint registration request, wherein the registration information comprises a voiceprint ID, a dynamic verification code, at least part of characters in identity information and a communication identifier, and the dynamic verification code is effective in a preset time period; the dynamic verification code is returned to the target object, and a call request of the target object is received, wherein the call request is used for requesting voice interaction with the voiceprint system; receiving verification information input by a target object in a voice interaction process, wherein the verification information comprises at least part of characters and a target dynamic verification code in identity information of the target object; matching the registration information stored in the voiceprint system according to at least part of characters in the identity information and the target dynamic verification code; and after the matching is successful, collecting the registered voiceprint information of the target object so as to perform voiceprint registration on the target object.

Optionally, matching the registration information stored in the voiceprint system according to at least part of the characters and the dynamic verification code in the identity information includes: under the condition that the registration information comprises at least part of characters in the identity information and the dynamic verification code in the registration information is consistent with the target dynamic verification code, the matching is successful; in case the registration information does not include at least part of the characters in the identity information and/or the dynamic verification code in the registration information is inconsistent with the target dynamic verification code, the matching fails.

Optionally, collecting registered voiceprint information of the target object to perform voiceprint registration on the target object includes: registering the collected registered voiceprint information and voiceprint ID into a voiceprint engine in a voiceprint system; and storing the registered voiceprint information and the registered information into a voiceprint system.

Optionally, before verifying the target voiceprint information and registering the voiceprint information, the method further includes: inquiring a corresponding voiceprint ID from the voiceprint system according to the communication identifier, wherein the voiceprint ID is generated when the target object is registered in the voiceprint system; and inquiring corresponding registered voiceprint information in the voiceprint system according to the voiceprint ID.

Optionally, order payment is performed according to the verification result, including: allowing the target object to pay an order by using the voiceprint under the condition that the target voiceprint information is consistent with the registered voiceprint information; in the case where the target voiceprint information and the registered voiceprint information are inconsistent, the target object is not allowed to make order payment using the voiceprint.

According to another aspect of the embodiments of the present application, there is also provided an apparatus for voiceprint payment, including: the receiving module is used for receiving the communication identification of the target object sent by the commodity platform, wherein the communication identification is obtained by the commodity platform from an order to be paid of the target object; the acquisition module is used for calling the target object according to the communication identifier and acquiring target voiceprint information of the target object after the target object is answered; and the verification module is used for verifying the target voiceprint information and the registered voiceprint information and carrying out order payment according to a verification result, wherein the registered voiceprint information is voiceprint information of the target object registered in the voiceprint system in advance.

According to still another aspect of the embodiments of the present application, there is also provided an electronic device, including: a memory for storing program instructions; a processor coupled to the memory for executing program instructions that perform the following functions: receiving a communication identifier of a target object sent by a commodity platform, wherein the communication identifier is obtained by the commodity platform from an order to be paid of the target object; calling a target object according to the communication identifier, and acquiring target voiceprint information of the target object after the target object is answered; and verifying target voiceprint information and registered voiceprint information, and performing order payment according to a verification result, wherein the registered voiceprint information is voiceprint information of a target object registered in a voiceprint system in advance.

According to still another aspect of the embodiments of the present application, there is further provided a nonvolatile storage medium, where the nonvolatile storage medium includes a stored computer program, and a device where the nonvolatile storage medium is located performs the method for voiceprint payment by running the computer program.

In the embodiment of the application, the communication identifier of the target object sent by the commodity platform is received, wherein the communication identifier is obtained by the commodity platform from an order to be paid of the target object; calling a target object according to the communication identifier, and acquiring target voiceprint information of the target object after the target object is answered; the purpose of order payment according to the verification result is achieved by verifying the target voiceprint information and the registered voiceprint information, so that the technical effect of quick and safe payment is achieved, and the technical problems that the existing payment mode needs a user to manually input a password or uses fingerprint identification for identity verification, the operation is complex and potential safety hazards exist are solved.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiments of the application and together with the description serve to explain the application and do not constitute an undue limitation to the application. In the drawings:

FIG. 1 is a block diagram of the hardware architecture of a computer terminal for implementing a method of voiceprint payment in accordance with an embodiment of the present application;

FIG. 2 is a flow chart of a method of voiceprint payment in accordance with an embodiment of the present application;

FIG. 3 is a voiceprint registration flow diagram in accordance with an embodiment of the present application;

FIG. 4 is a voiceprint payment flow diagram according to an embodiment of the present application;

FIG. 5 is a flow chart of an aging assistance service according to an embodiment of the present application;

fig. 6 is a block diagram of a voiceprint payment device according to an embodiment of the present application.

Detailed Description

In order to make the present application solution better understood by those skilled in the art, the following description will be made in detail and with reference to the accompanying drawings in the embodiments of the present application, it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art based on the embodiments herein without making any inventive effort, shall fall within the scope of the present application.

It should be noted that the terms "first," "second," and the like in the description and claims of the present application and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that embodiments of the present application described herein may be implemented in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

First, partial terms or terminology appearing in the course of explaining the embodiments of the present application are applicable to the following explanation:

IVR (Interactive Voice Response ): is a powerful telephone automatic service system. The system for automatically answering by using the voice synthesized by prerecorded or TTS text-to-voice technology provides a menu navigation function for clients, and is mainly applied to a call center system.

Voiceprint: the device is a sound wave frequency spectrum which is displayed by an electroacoustical instrument and carries speech information, and modern science proves that the identity information of a person can be verified through voiceprint.

The voiceprint payment method provided by the embodiment of the application can be executed in a mobile terminal, a computer terminal or similar computing device. Fig. 1 shows a hardware block diagram of a computer terminal for implementing a method of voiceprint payment. As shown in fig. 1, the computer terminal 10 may include one or more processors (shown as 102a, 102b, … …,102n in the figures) which may include, but are not limited to, a processing device such as a microprocessor MCU or a programmable logic device FPGA, a memory 104 for storing data, and a transmission module 106 for communication functions. In addition, the method may further include: a display, an input/output interface (I/O interface), a Universal Serial Bus (USB) port (which may be included as one of the ports of the I/O interface), a network interface, a power supply, and/or a camera. It will be appreciated by those of ordinary skill in the art that the configuration shown in fig. 1 is merely illustrative and is not intended to limit the configuration of the electronic device described above. For example, the computer terminal 10 may also include more or fewer components than shown in FIG. 1, or have a different configuration than shown in FIG. 1.

It should be noted that the one or more processors and/or other data processing circuits described above may be referred to herein generally as "data processing circuits. The data processing circuit may be embodied in whole or in part in software, hardware, firmware, or any other combination. Furthermore, the data processing circuitry may be a single stand-alone processing module or incorporated, in whole or in part, into any of the other elements in the computer terminal 10. As referred to in the embodiments of the present application, the data processing circuit acts as a processor control (e.g., selection of the path of the variable resistor termination to interface).

The memory 104 may be used to store software programs and modules of application software, such as program instructions/data storage devices corresponding to the voiceprint payment method in the embodiments of the present application, and the processor executes the software programs and modules stored in the memory 104, thereby performing various functional applications and data processing, that is, implementing the voiceprint payment method described above. Memory 104 may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 104 may further include memory located remotely from the processor, which may be connected to the computer terminal 10 via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.

The transmission module 106 is used to receive or transmit data via a network. The specific examples of the network described above may include a wireless network provided by a communication provider of the computer terminal 10. In one example, the transmission module 106 includes a network adapter (Network Interface Controller, NIC) that can connect to other network devices through a base station to communicate with the internet. In one example, the transmission module 106 may be a Radio Frequency (RF) module for communicating with the internet wirelessly.

The display may be, for example, a touch screen type Liquid Crystal Display (LCD) that may enable a user to interact with a user interface of the computer terminal 10.

It should be noted here that, in some alternative embodiments, the computer terminal shown in fig. 1 may include hardware elements (including circuits), software elements (including computer code stored on a computer readable medium), or a combination of both hardware and software elements. It should be noted that fig. 1 is only one example of a specific example, and is intended to illustrate the types of components that may be present in the computer terminals described above.

In the above-described operating environment, the present application provides a method embodiment for voiceprint payment, it being noted that the steps illustrated in the flowchart of the figures may be performed in a computer system, such as a set of computer-executable instructions, and, although a logical order is illustrated in the flowchart, in some cases, the steps illustrated or described may be performed in an order other than that illustrated herein.

Fig. 2 is a flowchart of a method of voiceprint payment according to an embodiment of the present application, as shown in fig. 2, the method comprising the steps of:

step S202, receiving a communication identifier of a target object sent by a commodity platform, wherein the communication identifier is obtained by the commodity platform from an order to be paid of the target object.

In the above step S202, the communication identifier may be, for example, an account (an account of an application, such as an instant chat tool), or a mobile phone number. When the target object (or user) selects the commodity to be purchased in the commodity platform and submits the order information, the commodity platform can acquire the communication identification of the target object from the order to be paid submitted by the target object, for example, acquire the mobile phone number of the target object, and send the communication identification to the voiceprint system.

Step S204, calling the target object according to the communication identification, and acquiring target voiceprint information of the target object after the target object is answered.

In the above step S204, the voiceprint system includes a call management module for calling the user, and the call management module identifies the call target object through the communication sent by the goods platform. After the target object receives the call of the call management module, the target voiceprint information of the target object can be obtained according to the IVR flow.

Step S206, verifying target voiceprint information and registered voiceprint information, and paying orders according to the verification result, wherein the registered voiceprint information is voiceprint information of a target object registered in a voiceprint system in advance.

In the above step S206, by verifying the target voiceprint information of the target object acquired at this time and the voiceprint information of the target object stored in advance in the voiceprint system, it is determined whether or not order payment can be made through the voiceprint according to the verification result.

Through the steps S202 to S206 in the voiceprint payment method, the purpose of order payment according to the verification results of the target voiceprint information and the registered voiceprint information is achieved, so that the technical effect of quick and safe payment is achieved, and the technical problems that the conventional payment mode requires a user to manually input a password or use fingerprint identification for identity verification, is complex in operation and has potential safety hazards are solved. The following is a detailed description.

In the voiceprint payment method, the registered voiceprint information is registered by the following means: receiving a voiceprint registration request initiated by a target object, wherein the voiceprint registration request comprises identity information and communication identification of the target object; and performing voiceprint registration on the target object according to the voiceprint registration request, and obtaining registration voiceprint information of the target object after successful registration.

In the above steps, the voice print registration is performed on the target object according to the voice print registration request, specifically including the following steps: generating registration information according to the voiceprint registration request, wherein the registration information comprises a voiceprint ID, a dynamic verification code, at least part of characters in identity information and a communication identifier, and the dynamic verification code is effective in a preset time period; the dynamic verification code is returned to the target object, and a call request of the target object is received, wherein the call request is used for requesting voice interaction with the voiceprint system; receiving verification information input by a target object in a voice interaction process, wherein the verification information comprises at least part of characters and a target dynamic verification code in identity information of the target object; matching the registration information stored in the voiceprint system according to at least part of characters in the identity information and the target dynamic verification code; and after the matching is successful, collecting the registered voiceprint information of the target object so as to perform voiceprint registration on the target object.

In the above step, matching is performed according to at least part of characters and dynamic verification codes in the identity information and registration information stored in the voiceprint system, and the method specifically comprises the following steps: under the condition that the registration information comprises at least part of characters in the identity information and the dynamic verification code in the registration information is consistent with the target dynamic verification code, the matching is successful; in case the registration information does not include at least part of the characters in the identity information and/or the dynamic verification code in the registration information is inconsistent with the target dynamic verification code, the matching fails.

In the above steps, collecting the registered voiceprint information of the target object to perform voiceprint registration on the target object, specifically including the following steps: registering the collected registered voiceprint information and voiceprint ID into a voiceprint engine in a voiceprint system; and storing the registered voiceprint information and the registered information into a voiceprint system.

The following explains the voiceprint registration with reference to the voiceprint registration flowchart in fig. 3, and specifically, the detailed flowchart of voiceprint registration includes:

1. the user initiates voiceprint registration at the mobile terminal, and transmits data to a voiceprint registration module in a voiceprint system through a voiceprint registration request, wherein the voiceprint registration request comprises identity information (such as an identity card number) and a communication identifier (such as a mobile phone number or a device number) of the user, and the voiceprint registration module generates registration information according to the data in the voiceprint registration request, wherein the registration information comprises at least part of characters (such as the last four digits of the identity card number) in the voiceprint ID, the dynamic verification code and the communication identifier.

2. The voiceprint registration module sends the registration information to a voiceprint management module in the voiceprint system, and the voiceprint management module sends a response message to the voiceprint registration module after receiving the registration information, wherein the response message is used for notifying the voiceprint registration module that the registration information has been received. When the voiceprint is registered, the voiceprint registration module needs to send at least part of characters in the voiceprint ID, the dynamic verification code and the communication identifier to the voiceprint management module, and when the voiceprint is registered, the voiceprint registration module only needs to send the voiceprint ID to the voiceprint management module.

3. After the voiceprint registration module generates the dynamic verification code, the dynamic verification code is informed to the user in various modes, for example, a short message, a prompt message in the APP and the like are used for informing, and the user is prompted to make a call in the subsequent operation in the registration page. After the user receives the prompt, dialing a telephone to a call management module in a voiceprint system to make a call request according to the step prompted in the registration page, and inputting verification information according to the voice prompt in the IVR flow, wherein the verification information comprises at least part of characters and dynamic verification codes in the communication identification of the user, and the failure mechanism of the dynamic verification codes is as follows: and during the 2h validity period, the voiceprint registration module actively updates the dynamic verification code, and all dynamic verification codes fail after 24 days.

4. After receiving the verification information input by the user, the call management module inquires corresponding registration information from the voiceprint management module, and when all information in the verification information is consistent with the registration information in the voiceprint management module, the call management module indicates that the matching is successful, and when at least one information in the verification information is inconsistent with the registration information in the voiceprint management module, the call management module indicates that the matching is failed. And after the matching is successful, recording the user so as to acquire the registered voiceprint information of the user.

5. After the collection is completed and the registered voiceprint information of the user is obtained, the call management module sends a notification message of the collection completion to the voiceprint management module.

6. And the voiceprint management module registers the registered voiceprint information and the voiceprint ID of the user into a voiceprint engine in the voiceprint system through a registration API interface, so that the voiceprint registration flow of the user is completed.

7. After the registered voiceprint information of the user is successfully registered in the voiceprint engine, the voiceprint management module sends the registered voiceprint information of the user to the voiceprint registration module for file reservation and storage.

In step S206 in the above-mentioned voiceprint payment method, before verifying the target voiceprint information and registering the voiceprint information, the method further includes the steps of: inquiring a corresponding voiceprint ID from the voiceprint system according to the communication identifier, wherein the voiceprint ID is generated when the target object is registered in the voiceprint system; and inquiring corresponding registered voiceprint information in the voiceprint system according to the voiceprint ID.

In step S206 in the voiceprint payment method, the order payment is performed according to the verification result, and specifically includes the following steps: allowing the target object to pay an order by using the voiceprint under the condition that the target voiceprint information is consistent with the registered voiceprint information; in the case where the target voiceprint information and the registered voiceprint information are inconsistent, the target object is not allowed to make order payment using the voiceprint.

The following explains the process of voiceprint payment with reference to the voiceprint payment flowchart in fig. 4, and specifically, the specific flow of voiceprint payment is as follows:

1. when the user selects the commodity to be purchased in the commodity platform and submits the order information, if voiceprint payment is required, the commodity platform calls an API interface, and a communication identifier of the user, which can be a mobile phone number for example, is obtained from the order to be paid of the user and sent to the voiceprint management module.

2. After the voiceprint management module obtains the communication identifier of the user from the API interface, the corresponding voiceprint ID is obtained from the voiceprint registration module according to the communication identifier, and it is required to be noted that when the communication identifier exists in the cache, the call is not repeated, so that the call time is saved and the payment efficiency is improved.

3. The voiceprint management module calls the communication identifier through an outbound API interface of the call management module.

4. The call management module calls the user indicated by the number according to the number indicated by the communication identifier.

5. After the user answers, the call management module records the user according to the IVR flow, so as to obtain target voiceprint information of the user, and after the recording is completed, the target voiceprint information is returned to the voiceprint management module.

6. And the voiceprint management module inquires corresponding registered voiceprint information from the voiceprint engine according to the acquired voiceprint ID, and compares the registered voiceprint information in the voiceprint engine with target voiceprint information to obtain a comparison result.

7. The voiceprint management module returns the comparison result to the commodity platform and the deduction platform (signing bank), and the deduction platform initiates voiceprint deduction under the condition that the comparison result is that the registered voiceprint information is consistent with the target voiceprint information, so that the order is paid successfully, and initiates other deduction modes under the condition that the comparison result is that the registered voiceprint information is inconsistent with the target voiceprint information, and the payment of the order is completed after the corresponding information is input by a user.

The following describes the above-mentioned voiceprint payment process with reference to a specific example, and in the service flow for assisting the old shown in fig. 5, the voiceprint payment technology provided by the embodiment of the present application provides convenient commodity purchasing and payment service for the old; the user dials 114 the auxiliary aging hotline to complete commodity ordering, and pays through voiceprint verification after ordering is completed, and the specific use scene is as follows:

in fig. 5, the agent service 114 inquires whether the user is a voiceprint payment user of the subscription bank, triggers inquiry through an agent traffic strip, inquires a voiceprint payment white list of the subscription bank through the interface 1, returns an inquiry result to the agent, guides the user to purchase and form an order, inquires whether the user adopts voiceprint payment, and accordingly completes commodity purchase in the aging assistance service and generates an order to be paid. When voiceprint recognition is carried out, the agent telephone traffic strip triggers IVR authentication, the record of the user is downloaded from the cloud call, the record is sent to the signing bank through the interface 2 for voiceprint recognition, the recognition result is returned to the 114 agent service center, after the recognition result is passed, the agent interface displays authentication success, the order is confirmed, the voiceprint authentication is successful through the interface 3, the information determined by the order informs the service for helping the old, and the service for waiting is formed in the service for helping the old. At the service end of helping the old, submit and pay the order information after the service is finished, send the order information to 114 seat service center through interface 4, this service center accepts the service and initiates the deduction, send the deduction information to signing the bank and pay the deduction through interface 5, signing the bank and returning the result of deduction to 114 seat service center of payment, then the service center can know in time that deduction succeeds or fails, if reveal overtime, then submit again 3 times at most, the service center returns the result of deduction to helping the old center through interface 6.

According to the voiceprint payment method, the call record is obtained in real time during call, the voiceprint characteristics of the user are authenticated, and quick and safe payment operation is achieved in a real-time call mode. The beneficial effects of the method include the following two aspects: during voiceprint registration, identity verification during IVR process recording is completed through voiceprint ID, dynamic verification code and identity card number, and the security of voiceprint registration is ensured. In the voice print payment process, real-time recording collection is completed through IVR, and real-time voice print verification can be completed, namely, voice print verification can be completed through a real-time telephone process, so that convenience in voice print verification is improved.

Fig. 6 is a block diagram of an apparatus for voiceprint payment according to an embodiment of the present application, as shown in fig. 6, the apparatus including:

the receiving module 52 is configured to receive a communication identifier of the target object sent by the commodity platform, where the communication identifier is obtained by the commodity platform from an order to be paid of the target object;

the obtaining module 54 is configured to call the target object according to the communication identifier, and obtain target voiceprint information of the target object after the target object is answered;

and the verification module 56 is configured to verify the target voiceprint information and the registered voiceprint information, and perform order payment according to the verification result, where the registered voiceprint information is voiceprint information of the target object registered in the voiceprint system in advance.

Through the receiving module 52, the obtaining module 54 and the verifying module 56 in the voiceprint payment device, the purpose of order payment according to the verification results of the target voiceprint information and the registered voiceprint information is achieved, so that the technical effect of quick and safe payment is achieved, and the technical problems that the existing payment mode needs a user to manually input a password or use fingerprint identification for identity verification, operation is complex and potential safety hazards exist are solved.

In the device for voiceprint payment, the device further includes a registration module 58, where the registration module is configured to generate registered voiceprint information, specifically, the registration module is configured to receive a voiceprint registration request initiated by the target object, where the voiceprint registration request includes identity information and a communication identifier of the target object; and performing voiceprint registration on the target object according to the voiceprint registration request, and obtaining registration voiceprint information of the target object after successful registration.

In the registration module in the voiceprint payment device, the registration module is further used for generating registration information according to a voiceprint registration request, wherein the registration information comprises a voiceprint ID, a dynamic verification code, at least part of characters in identity information and a communication identifier, and the dynamic verification code is effective in a preset time period; the dynamic verification code is returned to the target object, and a call request of the target object is received, wherein the call request is used for requesting voice interaction with the voiceprint system; receiving verification information input by a target object in a voice interaction process, wherein the verification information comprises at least part of characters and a target dynamic verification code in identity information of the target object; matching the registration information stored in the voiceprint system according to at least part of characters in the identity information and the target dynamic verification code; and after the matching is successful, collecting the registered voiceprint information of the target object so as to perform voiceprint registration on the target object.

In the registration module in the voiceprint payment device, the registration module is further configured to successfully match the dynamic verification code in the registration information with the target dynamic verification code when the registration information includes at least part of characters in the identity information; in case the registration information does not include at least part of the characters in the identity information and/or the dynamic verification code in the registration information is inconsistent with the target dynamic verification code, the matching fails.

In the registering module in the voiceprint payment device, the registering module is further used for registering the acquired registered voiceprint information and voiceprint ID into a voiceprint engine in a voiceprint system; and storing the registered voiceprint information and the registered information into a voiceprint system.

In the verification module in the voiceprint payment device, the verification module is further configured to query a corresponding voiceprint ID from the voiceprint system according to the communication identifier, where the voiceprint ID is generated when the target object is registered in the voiceprint system; and inquiring corresponding registered voiceprint information in the voiceprint system according to the voiceprint ID.

In the verification module in the voiceprint payment device, the verification module is further used for allowing the target object to use the voiceprint to conduct order payment under the condition that the target voiceprint information is consistent with the registered voiceprint information; in the case where the target voiceprint information and the registered voiceprint information are inconsistent, the target object is not allowed to make order payment using the voiceprint.

It should be noted that, the voiceprint payment device shown in fig. 6 is used to execute the voiceprint payment method shown in fig. 2, so the explanation of the voiceprint payment method is also applicable to the voiceprint payment device, and will not be repeated here.

The embodiment of the application also provides electronic equipment, which comprises: a memory for storing program instructions; a processor coupled to the memory for executing program instructions that perform the following functions: receiving a communication identifier of a target object sent by a commodity platform, wherein the communication identifier is obtained by the commodity platform from an order to be paid of the target object; calling a target object according to the communication identifier, and acquiring target voiceprint information of the target object after the target object is answered; and verifying target voiceprint information and registered voiceprint information, and performing order payment according to a verification result, wherein the registered voiceprint information is voiceprint information of a target object registered in a voiceprint system in advance.

It should be noted that, the above electronic device is used for executing the voiceprint payment method shown in fig. 2, so the explanation of the voiceprint payment method is also applicable to the electronic device, and will not be repeated here.

The embodiment of the application also provides a nonvolatile storage medium, which comprises a stored computer program, wherein the equipment of the nonvolatile storage medium executes the following voiceprint payment method by running the computer program: receiving a communication identifier of a target object sent by a commodity platform, wherein the communication identifier is obtained by the commodity platform from an order to be paid of the target object; calling a target object according to the communication identifier, and acquiring target voiceprint information of the target object after the target object is answered; and verifying target voiceprint information and registered voiceprint information, and performing order payment according to a verification result, wherein the registered voiceprint information is voiceprint information of a target object registered in a voiceprint system in advance.

It should be noted that, the above-mentioned nonvolatile storage medium is used for executing the method of voiceprint payment shown in fig. 2, so the explanation of the method of voiceprint payment is also applicable to the nonvolatile storage medium, and will not be repeated here.

The foregoing embodiment numbers of the present application are merely for describing, and do not represent advantages or disadvantages of the embodiments.

In the foregoing embodiments of the present application, the descriptions of the embodiments are emphasized, and for a portion of this disclosure that is not described in detail in this embodiment, reference is made to the related descriptions of other embodiments.

In the several embodiments provided in the present application, it should be understood that the disclosed technology content may be implemented in other manners. The above-described embodiments of the apparatus are merely exemplary, and the division of the units, for example, may be a logic function division, and may be implemented in another manner, for example, a plurality of units or components may be combined or may be integrated into another system, or some features may be omitted, or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be through some interfaces, units or modules, or may be in electrical or other forms.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

In addition, each functional unit in each embodiment of the present application may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.

The integrated units, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application may be embodied in essence or a part contributing to the prior art or all or part of the technical solution in the form of a software product stored in a storage medium, including several instructions to cause a computer device (which may be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the methods described in the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a removable hard disk, a magnetic disk, or an optical disk, or other various media capable of storing program codes.

The foregoing is merely a preferred embodiment of the present application and it should be noted that modifications and adaptations to those skilled in the art may be made without departing from the principles of the present application and are intended to be comprehended within the scope of the present application.

Claims (10)

1. A method of voiceprint payment, comprising:

receiving a communication identifier of a target object sent by a commodity platform, wherein the communication identifier is obtained by the commodity platform from an order to be paid of the target object;

calling the target object according to the communication identifier, and acquiring target voiceprint information of the target object after the target object is answered;

and verifying the target voiceprint information and the registered voiceprint information, and performing order payment according to a verification result, wherein the registered voiceprint information is voiceprint information of the target object registered in a voiceprint system in advance.

2. The method of claim 1, wherein the registered voiceprint information is registered by:

receiving a voiceprint registration request initiated by the target object, wherein the voiceprint registration request comprises identity information and communication identification of the target object;

and performing voiceprint registration on the target object according to the voiceprint registration request, and obtaining registration voiceprint information of the target object after successful registration.

3. The method of claim 2, wherein voice-print registering the target object in accordance with the voice-print registration request comprises:

generating registration information according to the voiceprint registration request, wherein the registration information comprises a voiceprint ID, a dynamic verification code, at least part of characters in the identity information and the communication identifier, and the dynamic verification code is effective in a preset time period;

returning the dynamic verification code to the target object and receiving a call request of the target object, wherein the call request is used for requesting voice interaction with the voiceprint system;

receiving verification information input by the target object in a voice interaction process, wherein the verification information comprises at least part of characters and a target dynamic verification code in identity information of the target object;

matching the registration information stored in the voiceprint system according to at least part of characters in the identity information and the target dynamic verification code;

and after successful matching, collecting the registered voiceprint information of the target object so as to register the voiceprint of the target object.

4. A method according to claim 3, wherein matching the registration information stored in the voiceprint system in dependence on at least part of the characters in the identity information and the dynamic verification code comprises:

under the condition that the registration information comprises at least part of characters in the identity information and the dynamic verification code in the registration information is consistent with the target dynamic verification code, successful matching is achieved;

and if the registration information does not comprise at least part of characters in the identity information and/or the dynamic verification code in the registration information is inconsistent with the target dynamic verification code, the matching is failed.

5. The method of claim 3, wherein collecting registered voiceprint information of the target object to voiceprint register the target object comprises:

registering the acquired registered voiceprint information and the voiceprint ID into a voiceprint engine in the voiceprint system;

and storing the registered voiceprint information and the registered information into the voiceprint system.

6. The method of claim 1, wherein prior to verifying the target voiceprint information and registering voiceprint information, the method further comprises:

inquiring a corresponding voiceprint ID from the voiceprint system according to the communication identifier, wherein the voiceprint ID is generated when the target object is registered in the voiceprint system;

and inquiring the corresponding registered voiceprint information in the voiceprint system according to the voiceprint ID.

7. The method of claim 1, wherein making the order payment based on the validation result comprises:

allowing the target object to pay an order by using voiceprint under the condition that the target voiceprint information is consistent with the registered voiceprint information;

and in the case that the target voiceprint information and the registered voiceprint information are inconsistent, not allowing the target object to pay by using the voiceprint.

8. An apparatus for voiceprint payment, comprising:

the receiving module is used for receiving a communication identifier of a target object sent by a commodity platform, wherein the communication identifier is obtained by the commodity platform from an order to be paid of the target object;

the acquisition module is used for calling the target object according to the communication identifier and acquiring target voiceprint information of the target object after the target object is answered;

and the verification module is used for verifying the target voiceprint information and the registered voiceprint information and carrying out order payment according to a verification result, wherein the registered voiceprint information is voiceprint information of the target object registered in a voiceprint system in advance.

9. An electronic device, comprising:

a memory for storing program instructions;

a processor, coupled to the memory, for executing program instructions that perform the following functions: receiving a communication identifier of a target object sent by a commodity platform, wherein the communication identifier is obtained by the commodity platform from an order to be paid of the target object; calling the target object according to the communication identifier, and acquiring target voiceprint information of the target object after the target object is answered; and verifying the target voiceprint information and the registered voiceprint information, and performing order payment according to a verification result, wherein the registered voiceprint information is voiceprint information of the target object registered in a voiceprint system in advance.

10. A non-volatile storage medium, characterized in that the non-volatile storage medium comprises a stored computer program, wherein the device in which the non-volatile storage medium is located performs the method of voiceprint payment according to any one of claims 1 to 7 by running the computer program.