TW201525894A - Method, mobile terminal, server and system of payment account management - Google Patents

Abstract

A method, a mobile terminal, a server and a system of payment account management, the method includes the steps of: getting a user's voice information corresponded to a target payment account via a mobile terminal; uploading the user's voice information to a server; getting an account information of the target payment account through a voice recognition of the server to the user's voice information; and setting a related payment account of a login account of the mobile terminal according to the account information of the target payment account via the server.

Description

Payment account management method and mobile terminal, server and system thereof

The invention relates to a payment account management method and a mobile terminal, a server and a system thereof, in particular to an account management method for online fast payment and a mobile terminal, a server and a system thereof.

Before the user makes an online payment by using the fast payment service provided by the third party payment company, the user needs to submit the credit card of the payment account binding user online, so that the payment server associates the credit card with the payment account. The existing credit card binding process requires the user to input the credit card number, the cardholder's name, the cardholder's ID number, and the mobile phone number reserved by the bank in the bank. The current information input generally needs to pass through the mobile terminal. The physical or virtual keyboard is used as a form input method, and the user needs to read the card number and then click the keyboard input card number of the mobile terminal, which is easy to input wrong first, and then often needs to switch the input method when inputting different forms of form content, for example, after inputting the card number form is completed. You need to enter the user name form. In this case, you need to switch the input method. When you enter the ID number form, you need to switch the input method when you input the same form item content, which makes the input method very cumbersome, and when the user forgets to switch the input method, The result is a mistake and a great inconvenience to the user.

The technical problem to be solved by the present invention is to provide a payment account management method and a mobile terminal, a server and a system thereof, which can conveniently set a related payment account and effectively reduce the occurrence of a filling error.

In order to solve the above technical problem, an embodiment of the present invention provides a method for managing a payment account. The method includes: the mobile terminal acquires voice information corresponding to the target payment account of the user; and the mobile terminal uploads voice information of the corresponding target payment account. To the server; the server performs voice recognition on the voice information to obtain account information of the target payment account; the server sets the target payment account as the action according to account information of the target payment account The associated payment account of the login account of the terminal.

Another embodiment of the present invention further provides a method for managing a payment account, the method comprising: acquiring voice information of a user corresponding to a target payment account; and uploading voice information of the corresponding target payment account to a server, so that the The server performs voice recognition on the voice information to obtain account information of the target payment account, and sets the target payment account as an associated payment account of the login account of the mobile terminal according to the account information of the target payment account.

An action terminal according to an embodiment of the present invention, the mobile terminal includes: a voice information acquiring unit, configured to acquire voice information of a user corresponding to a target payment account; and a sending unit, configured to upload voice information of the corresponding target payment account Go to the server, so that the server performs voice recognition on the voice information to obtain account information of the target payment account, and sets the target payment account as the action according to the account information of the target payment account. The associated payment account of the login account of the terminal.

Another embodiment of the present invention further provides a method for managing a payment account, the method comprising: receiving voice information of a corresponding target payment account submitted by the mobile terminal; performing voice recognition on the voice information to obtain account information of the target payment account And setting, according to the account information of the target payment account, the target payment account as an associated payment account of the login account of the mobile terminal.

A server according to an embodiment of the present invention, the server includes: a receiving unit, configured to receive voice information of a corresponding target payment account submitted by the mobile terminal; and a voice recognition unit, configured to perform voice recognition on the voice information The account information of the target payment account is used to set the target payment account as the associated payment account of the login account of the mobile terminal according to the account information of the target payment account.

An associated payment account management system according to an embodiment of the present invention includes a mobile terminal and a server, wherein: the mobile terminal is configured to acquire voice information of a user corresponding target payment account, and the corresponding target payment account The voice information is uploaded to the server; the server is configured to receive voice information of a corresponding target payment account uploaded by the mobile terminal, and perform voice recognition on the voice information to obtain account information of the target payment account; The account information of the target payment account sets the target payment account as the associated payment account of the login account of the mobile terminal.

In this embodiment, by uploading the voice information of the user corresponding to the target payment account to the server, the server obtains the account information of the target payment account according to the voice recognition of the voice information, and sets the target payment account as the login of the mobile terminal. The associated payment account of the account realizes the convenient setting of the associated payment account by means of voice input, effectively reducing the filling An error occurred.

S101~S104‧‧‧Steps

S201~S203‧‧‧Steps

S301~S304

S401~S408

S501~S517

610‧‧‧Voice Information Acquisition Unit

620‧‧‧Send unit

630‧‧‧ receiving unit

640‧‧‧Voice Instruction Acquisition Unit

650‧‧‧ account information operation unit

700‧‧‧ mobile terminal

701‧‧‧ processor

702‧‧‧Communication bus

703‧‧‧Internet interface

704‧‧‧ memory

705‧‧‧Voice acquisition device

810‧‧‧ receiving unit

820‧‧‧Voice recognition unit

830‧‧‧Payment Account Management Unit

840‧‧‧ voiceprint verification unit

850‧‧‧Send unit

900‧‧‧Server

901‧‧‧ processor

902‧‧‧Communication bus

903‧‧‧Internet interface

904‧‧‧ memory

110‧‧‧Server

120‧‧‧Mobile terminals

1 is a schematic flowchart of a method for managing a payment account according to an embodiment of the present invention; FIG. 2 is a schematic flowchart of a method for managing a payment account in another embodiment of the present invention; and FIG. 3 is a payment account in another embodiment of the present invention; FIG. 4 is a schematic flowchart of a method for managing a payment account in another embodiment of the present invention; FIG. 5 is a schematic flowchart of a method for managing a payment account in another embodiment of the present invention; FIG. 7 is a schematic structural diagram of a mobile terminal according to another embodiment of the present invention; FIG. 8 is a schematic structural diagram of a server according to an embodiment of the present invention; FIG. 9 is another schematic diagram of a server according to an embodiment of the present invention; FIG. 10 is a schematic structural diagram of an associated payment account management system according to an embodiment of the present invention; FIG. 11 is a schematic diagram of a first interface of an associated payment account management form according to an embodiment of the present invention; 12 is a schematic diagram of a second interface of an associated payment account management form in an embodiment of the present invention.

The technical solutions in the embodiments of the present invention are clearly and completely described in the following with reference to the accompanying drawings in the embodiments of the present invention. It is obvious that the described embodiments are only a part of the embodiments of the present invention, but not all embodiments.

The mobile terminal mentioned in the embodiment of the present invention may include a smart phone, a tablet computer, an e-reader, a car terminal device or a wearable smart device, etc., and the server may be an instant messaging server, SNS (Social Networking Services, a social network service) a server or a payment server, etc., the mobile terminal can log in to the server by using a login account to obtain an online service of the server, including obtaining an associated payment account of the login account from the server. Account information.

1 is a schematic flowchart of a payment account management method according to an embodiment of the present invention. The payment account management method described in FIG. 1 is mainly a description of a mobile terminal. The payment account management method in this embodiment may include the following steps:

S101: Acquire voice information of the user corresponding to the target payment account. The associated payment account management form shown in FIG. 11 or FIG. 12 is displayed in the mobile terminal, and includes at least one form item. The user can press the card number to input the voice input button below the form item according to the prompt in FIG. The voice collection device that triggers the action terminal in the time of the button presses the voice information input by the user corresponding card number input form item, wherein the card number can be the target payment account, and the user can also press the mobile phone number input according to the prompt in FIG. The voice input button on the right side of the form item triggers the voice collection device of the mobile terminal to obtain the voice information input by the user corresponding to the mobile phone number input form item during the time when the user keeps pressing the button, and can also obtain the voice information by other means of triggering voice input. Corresponding to the target payment account in the associated payment account management form The voice information, for example, the user directly presses the target form item twice to trigger the voice information of the user corresponding to the target payment account, or the user clicks after selecting or moving the input cursor to the target form item. The preset voice input button triggers the user to obtain the voice information of the user corresponding to the target payment account. Other implementations derived by the above methods are all within the scope of the invention. The voice information obtained by the voice collection device of the mobile terminal is the voice information of the user corresponding to the target payment account.

S102: Upload the voice information corresponding to the target payment account to the server, so that the server performs voice recognition on the voice information to obtain the account information of the target payment account, and sets the target payment account as the login of the mobile terminal according to the account information of the target payment account. The associated payment account for the account. The mobile terminal can upload the obtained voice information of the corresponding target payment account to the server, so that the server can perform voice recognition on the voice information to obtain the account information of the target payment account, and set the target payment account according to the account information of the target payment account. The associated payment account of the login account of the mobile terminal. For example, the voice input button corresponding to the target form item is triggered by pressing the voice input button corresponding to the target form item in FIG. 11 or 12 as an example. When the user releases the voice input button corresponding to the target form item, After the mobile terminal confirms that the voice information input by the user corresponding to the target form item has been completed, the voice information obtained from the time when the user presses the voice input button corresponding to the target form item until the user releases the pressed button is uploaded. To the server, the voice information uploaded by the mobile terminal is voiced by the server, and the account information of the target payment account is obtained through voice recognition, and the target payment account is set as the login account of the mobile terminal according to the account information of the target payment account. Pay the account number. The server may further fill in the account information of the target payment account by the voice recognition into the target form item of the associated payment account management form, if When there are multiple form items in the associated payment account management form, the mobile terminal can carry the form item identifier of the target form item when uploading the voice information corresponding to the target payment account to the server, so that the server can correctly correct the piece of voice information. The recognition result is filled in the corresponding target form item.

Before the mobile terminal uploads the voice information of the target payment account to the server, the voice verification information of the user may be uploaded to the server, so that the server receives the voice information of the corresponding target payment account according to the The voice verification information performs voiceprint verification on the voice information of the corresponding target payment account. If the voiceprint verification is successful, the voice information is voice-recognized and the account information of the identified target payment account is sent to the mobile terminal. The mobile terminal uploads the voice verification information of the user to the server, so that the server can perform voice recognition on the voice information of the voice information of the corresponding target payment account according to the voice verification information, thereby improving the payment. The security of the account setting operation is to prevent illegal users from illegally setting the user's associated payment account.

The payment account management method in this embodiment may further include:

S103. Receive account information of a target payment account identified by the server. The server may return the account information of the target payment account obtained by voice recognition of the voice information uploaded by the mobile terminal to the mobile terminal, and take the associated payment account management form shown in FIG. 11 or FIG. 12 as an example, and the server may recognize the voice. The account information of the obtained target payment account is returned to the mobile terminal as the form content of the associated payment account management form, and the mobile terminal can update the associated payment account management form displayed in the current interface; the server can also return the voice information to the mobile terminal. The account information of the target payment account obtained by voice recognition is filled in the entire associated payment account after the corresponding target form item The management form updates the display of the associated payment account management form according to the associated payment account management form returned by the server, so that the user can see the identification of the voice information of the corresponding target payment account by the server in the associated payment account management form. The result is correct. The mobile terminal can also manually modify and clear the content of the form items in the associated payment account management form according to the instruction input by the user. For example, if the user finds that the voice recognition result in the target form item returned by the server is wrong, it can be manually edited and modified, and the content in the target form item can be deleted, and the content can be manually or manually input.

S104. Submit the account information of the target payment account confirmed by the user to the server, so that the server sets the target payment account as the login account of the mobile terminal according to the account information of the target payment account confirmed by the user. Pay the account number. The mobile terminal may submit the account information of the target payment account confirmed by the user to the server, so that the server sets the target payment account as the login account of the mobile terminal according to the account information of the target payment account confirmed by the user. Associate payment account. The mobile terminal may submit the user-confirmed associated payment account management form to the server, so that the server may target the account information of the target payment account in the associated account payment management form confirmed by the user. The payment account is set as the associated payment account of the login account of the mobile terminal, and the associated payment account management form confirmed by the user is saved. Taking the associated payment account management form in FIG. 11 or 12 as an example, after the user confirms the content of the associated payment account management form, the user can click the “Next” or “Complete” or “Submit” buttons below the interface, and the user will The user-confirmed associated payment account management form is submitted to the server, and the server saves the user-identified associated payment account management form for the user, and the associated payment account management form confirmed by the user The corresponding target payment account is set as the associated payment account of the login account of the mobile terminal. The mobile terminal can also submit the associated payment account management form by acquiring the voice command input by the user. For example, the mobile terminal can always detect whether the user inputs valid voice during the process of displaying the associated payment account management form interface in FIG. 11 or 12. After the user enters a "next step" or "complete", "submit", "edit", "delete" and other voice commands, the execution of the current associated payment account management form is submitted to the server, and the mobile terminal is further The voice command obtained during the process of displaying the associated payment account management form interface may be uploaded to the server, and the voice command is recognized by the server, and the recognized control command is returned to the mobile terminal. The server may also detect whether the voice information uploaded by the mobile terminal corresponding to the target payment account includes a preset voice command, for example, “submit”, “edit”, “delete”, etc., if it detects that the preset voice command is included. Then, the control instruction corresponding to the voice instruction can be returned to the mobile terminal. If the server recognizes a plurality of different control commands from the voice information or the voice command submitted by the mobile terminal, it may be considered that the voice command submitted by the user is invalid or the corresponding control command cannot be obtained from the voice information. The control instruction includes an account information submission instruction of the target payment account or an account information deletion instruction of the target payment account, and the mobile terminal may submit or delete the account information of the target payment account returned by the server according to the control instruction returned by the server. . The valid voice may be voice information whose sound intensity reaches a preset threshold.

In this embodiment, by uploading the voice information of the user corresponding to the target payment account to the server, the server obtains the account information of the target payment account according to the voice recognition of the voice information, and sets the target payment account as the associated payment of the login account of the mobile terminal. The account number realizes the setting of the associated payment account conveniently by means of voice input, effectively reducing the error of filling out Health.

2 is a schematic flowchart of a payment account management method according to another embodiment of the present invention. The payment account management method described in FIG. 2 is mainly described from the server side. As shown in FIG. 2, the payment account management method in this embodiment may include the following steps:

S201: Receive voice information of a corresponding target payment account submitted by the mobile terminal. Taking the associated payment account management form shown in FIG. 11 or FIG. 12 as an example, the associated payment account management form shown in FIG. 11 or FIG. 12 may be displayed in the mobile terminal, including at least one form item, and the user may follow the method in FIG. Prompting to press the voice input button below the form entry to trigger the voice capture device of the mobile terminal to obtain the voice information input by the user corresponding card number input form item during the time when the user keeps pressing the button, wherein the card number can be the target To pay the account number, the user can also press the voice input button on the right side of the mobile phone number input form item according to the prompt in FIG. 12, and trigger the voice collection device of the mobile terminal to obtain the user corresponding mobile phone number input time while the user keeps pressing the button. In other embodiments, the voice information input by the form item may be obtained by using other triggered voice input manners, for example, the voice information of the target payment account in the corresponding payment account management form of the user, for example, the user directly presses the target form or presses the target form. Item can trigger the acquisition of the user's voice message corresponding to the target payment account. After selecting or user input or the cursor to the target table item, click interface preset trigger voice input button for the user to obtain payment account should target voice information, and so on. Then, when the user releases the voice input button corresponding to pressing the target form item, the mobile terminal confirms that the voice information input by the user corresponding to the target form item has been completed, and the user starts pressing the voice input button corresponding to the target form item. The voice information obtained until the user releases the button is uploaded to the server. If the associated branch If there are multiple form items in the payment account management form, the mobile terminal may carry the form item identifier of the target form item when uploading the voice information corresponding to the target payment account to the server. The voice information received by the server is the voice information of the user corresponding to the target payment account uploaded by the mobile terminal. After receiving the voice information of the corresponding target payment account submitted by the mobile terminal, the server may perform voiceprint verification on the voice information of the corresponding target payment account according to the voice verification information uploaded by the user in advance, and if the voiceprint verification is successful, execute Perform speech recognition on the voice information. The server performs voice recognition on the voice information according to the voice verification information uploaded by the user in advance, and the voice information is voice-identified to improve the security of the payment account setting operation to avoid illegal users. Illegal setting of the user's associated payment account.

S202: Perform voice recognition on the voice information to obtain account information of the target payment account.

S203: Set the target payment account as an associated payment account of the login account of the mobile terminal according to the account information of the target payment account. The server may set the target payment account as an associated payment account of the login account of the mobile terminal according to the account information of the target payment account. Before the server sets the target payment account as the associated payment account of the login account of the mobile terminal, the server may return the account information of the target payment account obtained by voice recognition of the voice information uploaded by the mobile terminal to the mobile terminal, as shown in FIG. 11 or For example, the associated payment account management form shown in FIG. 12 may be used by the server to return the account information of the target payment account obtained by the voice recognition to the mobile terminal as the form content of the target form item, and the mobile terminal may update the display in the current interface. Associate the payment account management form; the server can also return to the mobile terminal the target payment account that has obtained the voice recognition of the voice information. The account information of the number is filled in the entire associated payment account management form after the corresponding target form item, and the mobile terminal updates and displays the associated payment account management form according to the associated payment account management form returned by the server, so that the user can make the associated payment account In the management form, it is found that the recognition result of the voice information of the corresponding target payment account by the server is correct. If the recognition result of the voice information corresponding to the target payment account is correct, the server can set the target payment account as the login account of the mobile terminal. Associate payment account. Taking the associated payment account management form in FIG. 11 or 12 as an example, after the user confirms the content of the associated payment account management form confirmed by the user, the user can click “Next” or “Complete” or “Submit” below the interface. After the button is pressed, the user-confirmed associated payment account management form is submitted to the server, and the server saves the user-identified associated payment account management form for the user. The mobile terminal can also submit the associated payment account management form by acquiring the voice command input by the user. For example, the mobile terminal can always detect whether the user inputs valid voice during the process of displaying the associated payment account management form interface in FIG. 11 or 12. To the user's input "next step" or "complete", "submit" and other voice commands, trigger execution to submit the current associated payment account management form to the server.

In this embodiment, by uploading the voice information of the user corresponding to the target payment account to the server, the server sets the target payment account as the associated payment account of the login account of the mobile terminal according to the voice recognition result of the voice information, and implements the voice through the voice. The input method is convenient for setting the associated payment account, which effectively reduces the occurrence of filling errors.

FIG. 3 is a schematic flowchart of a method for managing a payment account in another embodiment of the present invention. The method for managing a payment account described in FIG. 3 is mainly described from both sides of a mobile terminal and a server. As shown in Figure 3, this implementation The payment account management method in the example may include the following steps:

S301: The mobile terminal acquires voice information of the user corresponding to the target payment account. Taking the associated payment account management form shown in FIG. 11 or FIG. 12 as an example, the associated payment account management form shown in FIG. 11 or FIG. 12 may be displayed in the mobile terminal, including at least one form item, and the user may follow the method in FIG. Prompting to press the voice input button below the form entry to trigger the voice capture device of the mobile terminal to obtain the voice information input by the user corresponding card number input form item during the time when the user keeps pressing the button, wherein the card number can be the target To pay the account number, the user can also press the voice input button on the right side of the mobile phone number input form item according to the prompt in FIG. 12, and trigger the voice collection device of the mobile terminal to obtain the user corresponding mobile phone number input time while the user keeps pressing the button. In other embodiments, the voice information input by the form item may be obtained by using other triggered voice input manners, for example, the voice information of the target payment account in the corresponding payment account management form of the user, for example, the user directly presses the target form or presses the target form. Item can trigger the acquisition of the user's voice message corresponding to the target payment account. Or after the user selects or moves the input cursor to the target form item, click the voice input button preset by the interface to trigger the voice information of the user corresponding to the target payment account, and the like, and other implementation manners derived by the above manner All should be within the scope of the invention of the invention. The voice information obtained by the voice collection device of the mobile terminal is the voice information of the user corresponding to the target payment account.

S302. The mobile terminal uploads the voice information of the corresponding target payment account to the server. For example, the voice input button corresponding to the target form item is triggered by pressing the voice input button corresponding to the target form item in FIG. 11 or 12 as an example. When the user releases the voice input button corresponding to the target form item, The mobile terminal confirms the language input by the user corresponding to the target form item When the sound information has been completed, the voice information obtained from the time when the user presses the voice input button corresponding to the target form item until the user releases the button press is uploaded to the server. If there are multiple form items in the associated payment account management form, the mobile terminal may carry the form item identifier of the target form item when uploading the voice information corresponding to the target payment account to the server.

S303. The server performs voice recognition on the voice information to obtain account information of the target payment account.

S304: The server sets the target payment account as an associated payment account of the login account of the mobile terminal according to the account information of the target payment account.

4 is a schematic flow chart of a method for managing a payment account in another embodiment of the present invention. The payment account management method described in FIG. 4 is mainly described from both the mobile terminal and the server. As shown in FIG. 4, the payment account management method in this embodiment may include the following steps:

S401: The mobile terminal acquires voice information of the user corresponding to the target payment account. Similar to the foregoing step S301, it will not be described in detail in this embodiment.

S402: The mobile terminal uploads the voice information of the corresponding target payment account to the server. Similar to the foregoing step S302, it will not be described in detail in this embodiment.

S403: The server performs voiceprint verification on the voice information according to the voice verification information uploaded in advance. After receiving the voice information of the corresponding target payment account uploaded by the mobile terminal, the server may perform voiceprint verification on the voice information of the corresponding target payment account according to the pre-uploaded voice verification information.

S404: If the voiceprint verification is successful, the server performs voice recognition on the voice information to obtain account information of the target payment account. Immediate The voiceprint of the voice information corresponding to the target payment account uploaded by the mobile terminal matches the voiceprint characteristic of the voice verification information uploaded by the user in advance, indicating that the voice information is uploaded by the same user, and the server can voice the voice information. Identifying, obtaining the account information of the target payment account, for example, obtaining the account number (such as bank account number or card number) of the target payment account, payment password, reserved mobile phone number, user name, and the like.

S405: The server returns the account information of the target payment account by voice recognition to the mobile terminal. The server may return the account information of the target payment account to the mobile terminal. The server may return the account information of the target payment account obtained by voice recognition of the voice information uploaded by the mobile terminal to the mobile terminal, and take the associated payment account management form shown in FIG. 11 or FIG. 12 as an example, and the server may recognize the voice. The account information of the obtained target payment account is returned to the mobile terminal as the form content of the target form item, and the mobile terminal can update the associated payment account management form displayed in the current interface; the server can also return the voice information to the mobile terminal. The identification result is filled in the entire associated payment account management form after the corresponding target form item, and the mobile terminal updates and displays the associated payment account management form according to the associated payment account management form returned by the server, so that the user can be in the associated payment account management form. The server sees whether the recognition result of the voice information corresponding to the target payment account is correct. The mobile terminal can also manually modify and clear the content of the form items in the associated payment account management form according to the instruction input by the user. For example, if the user finds that the voice recognition result in the target form item returned by the server is wrong, it can be manually edited and modified, and the content in the target form item can be deleted, and the content can be manually or manually input.

S406. The mobile terminal submits the associated payment account management form confirmed by the user to the server. Associated with Figure 11 or 12 For example, after the user confirms the content of the associated payment account management form confirmed by the user, the user can click the “Next” or “Complete” or “Submit” buttons below the interface to confirm the user. The associated payment account management form is submitted to the server. The mobile terminal can also submit the associated payment account management form by acquiring the voice command input by the user. For example, the mobile terminal can always detect whether the user inputs valid voice during the process of displaying the associated payment account management form interface in FIG. 11 or 12. When the voice command such as "Next" or "Complete" or "Submit" input by the user is triggered, the current associated payment account management form is submitted to the server, and the mobile terminal can also display the associated payment account management form. The voice command obtained in the interface process is uploaded to the server, and the voice command is recognized by the server, and the recognized control command is returned to the mobile terminal, where the control command includes a form submission instruction or a content deletion instruction, if the form is After submitting the instruction, the mobile terminal submits the current associated payment account management form to the server.

S407: The server receives and saves the associated payment account management form confirmed by the user. After receiving the user-confirmed associated payment account management form sent by the mobile terminal, the server may save the associated payment account management form confirmed by the user.

S408: The server sets the target payment account as an associated payment account of the login account of the mobile terminal according to the account information of the target payment account corresponding to the associated payment account management form. After receiving the user-confirmed associated payment account management form sent by the mobile terminal, the server may set the target payment account as the mobile terminal according to the account information of the target payment account corresponding to the associated payment account management form. The associated payment account for the login account.

In this embodiment, the voice information of the user corresponding to the target payment account is uploaded to the server by the mobile terminal, and the server performs voiceprint verification on the voice information according to the pre-uploaded voice verification information, and determines that the voiceprint verification is successful, according to The account information of the target payment account obtained by the voice recognition of the voice information sets the target payment account as the associated payment account of the login account of the mobile terminal, facilitating the setting of the associated payment account by voice input, thereby effectively reducing the filling error. Occurs and improves the security of setting up associated payment account operations.

FIG. 5 is a schematic flowchart of a method for managing a payment account in another embodiment of the present invention. The method for managing a payment account described in FIG. 5 is mainly described from both sides of a mobile terminal and a server. As shown in FIG. 5, the payment account management method in this embodiment may include the following steps:

S501: The mobile terminal acquires voice information of the user corresponding to the target payment account.

S502: The mobile terminal uploads the voice information of the corresponding target payment account to the server.

S503: Perform voiceprint verification on the voice information according to the voice verification information uploaded in advance.

S504: If the voiceprint verification is successful, the server performs voice recognition on the voice information to obtain account information of the target payment account.

S505: The server returns the account information of the target payment account by voice recognition to the mobile terminal.

S501~S505 are similar to the foregoing steps S401 to S404, and are not described in this embodiment.

S506: The mobile terminal acquires a voice instruction of the user. The mobile terminal can display the associated payment account management form in FIG. 11 or 12. During the interface process, the user is always checked whether a valid voice is input, and if a valid voice is obtained, it is regarded as a voice command.

S507: The mobile terminal uploads a voice instruction of the user to the server.

S508: The server identifies the voice command to obtain a control command.

S509: The server returns the identified control command to the mobile terminal.

S510: The mobile terminal submits or deletes the voice recognition according to a control instruction returned by the server to obtain account information of the target payment account. Taking the associated payment account management form shown in FIG. 11 or FIG. 12 as an example, for example, when the user reads a voice command such as “submit”, “edit”, “delete” to the mobile terminal, the mobile terminal uploads the voice instruction to the mobile terminal. The server recognizes the voice command by the server, and returns the recognized control command to the mobile terminal. For example, if the user reads “delete” from the mobile terminal, the server may return a control instruction for deleting the form item to the mobile terminal according to the voice instruction uploaded by the mobile terminal, so that the mobile terminal deletes the content of the most recently filled form item.

The server may also detect whether the voice information uploaded by the mobile terminal corresponding to the target form item includes a preset voice instruction, for example, “submit”, “edit”, “delete”, etc., if it detects that the preset voice command is included, Then, the control instruction corresponding to the voice instruction may be returned to the mobile terminal, so that the mobile terminal performs a corresponding form operation on the target form item according to the control instruction returned by the server, such as form (item) editing, form (item) deletion, and form. (item) re-transmission, etc. For example, after the user selects the target form item and reads "delete", the server can pay the account according to the corresponding target uploaded by the mobile terminal. The voice information of the number returns a control instruction for deleting the form item to the mobile terminal, so that the mobile terminal deletes the content of the target form item.

If the server does not recognize the control command or recognizes a plurality of different control commands from the voice information or the voice command submitted by the mobile terminal, the voice command submitted by the user may be invalid or the corresponding control command may not be obtained from the voice information. .

S511: The mobile terminal acquires a voice instruction of the user.

In this embodiment, the mobile terminal sends a voice command to the server, that is, the voice instruction input by the user to the mobile terminal for submitting the current associated payment account management form, such as including “next step” or “complete”, “submit”, etc. .

S512: The mobile terminal uploads a voice instruction of the user to the server.

S513: The server identifies the voice instruction to obtain a form submission instruction. The server detects that the voice command or voice information uploaded by the mobile terminal includes a preset voice command for submitting the current associated payment account management form, such as “Next” or “Complete” or “Submit”, and the corresponding voice can be identified. Form submission instructions.

S514: The server returns the recognized form submission instruction to the mobile terminal.

S515: The mobile terminal submits an associated payment account management form according to the form submission instruction returned by the server.

S516: The server receives and saves the user-confirmed associated payment account management form submitted by the mobile terminal.

S517: The server pays the target payment according to the account information of the target payment account corresponding to the associated payment account management form confirmed by the user. The account is set as the associated payment account of the login account of the mobile terminal. In this embodiment, the voice information of the target payment account in the corresponding payment account management form is uploaded to the server, and the server performs voiceprint verification on the voice information according to the pre-uploaded voice verification information, and determines the voiceprint verification. After successful, the account information of the target payment account is filled in the associated payment account management form according to the voice recognition of the voice information, and the associated payment account management form can be edited and submitted through the voice command input by the user, which is convenient to pass. The voice input method is used to set the associated payment account, which effectively reduces the occurrence of the filling error, and further improves the security of the associated payment account setting operation.

FIG. 6 is a schematic structural diagram of a mobile terminal according to an embodiment of the present invention. The mobile terminal in the embodiment of the present invention may include a smart phone, a tablet computer, an e-reader, an in-vehicle terminal, or a wearable smart device, and the login account may be used. Logging in to the server to obtain the online service of the server, including obtaining account information of the associated payment account of the login account from the server. The mobile terminal in the embodiment shown in FIG. 6 may include at least a voice information acquiring unit 610, configured to acquire voice information of the user corresponding to the target payment account. The associated payment account management form displayed in the mobile terminal, for example, as shown in FIG. 11 or FIG. 12, includes at least one form item, and the user can press the card number to input the voice input button below the form item according to the prompt in FIG. The voice capture device that triggers the mobile terminal to obtain the voice information input by the user corresponding card number input form item during the time when the user presses the button, wherein the card number can be the target payment account, and the user can also press the prompt according to the prompt in FIG. Pressing the voice input button on the right side of the mobile phone number input form item, triggering the voice collection device of the mobile terminal to obtain the voice resource input by the user corresponding to the mobile phone number input form item while the user keeps pressing the button In other embodiments, the voice information of the target payment account in the corresponding payment account management form of the user may be obtained by using other triggered voice input methods, for example, the user may directly press the target form or press the target form item to trigger the acquisition. The user should answer the voice information of the target payment account, or after the user selects or moves the input cursor to the target form item, click the preset voice input button to trigger the voice information of the user corresponding to the target payment account, etc. Other embodiments derived by the above methods are all within the scope of the invention. The voice information acquired by the voice information acquiring unit 610 is the voice information of the user corresponding to the target payment account.

The sending unit 620 is configured to upload the voice information of the corresponding target payment account to the server, so that the server performs voice recognition on the voice information to obtain account information of the target payment account, and pays according to the target. The account information of the account sets the target payment account as the associated payment account of the login account of the mobile terminal. For example, the voice input button corresponding to the target form item is triggered by pressing the voice input button corresponding to the target form item in FIG. 11 or 12 as an example. When the user releases the voice input button corresponding to the target form item, After the mobile terminal confirms that the voice information input by the user corresponding to the target form item has been completed, the voice information obtained from the time when the user presses the voice input button corresponding to the target form item until the user releases the pressed button is uploaded. To the server, the voice information uploaded by the mobile terminal is voice-recognized by the server, and the voice recognition result is filled in the target form item of the associated payment account management form. If there are multiple form items in the associated payment account management form, the mobile terminal may carry the form item identifier of the target form item when uploading the voice information corresponding to the target payment account to the server, so that the server can correctly The recognition result of the segment voice information is filled in the corresponding target form item.

The sending unit 620 is further configured to: upload the voice verification information of the user to the server, so that the server, according to the voice verification information, receives the voice information of the corresponding target payment account The voice information is verified according to the voice information of the target payment account, and if the voiceprint verification is successful, the voice information is voice-recognized. The sending unit 620 uploads the voice verification information of the user to the server, so that the server can perform voice recognition on the voice information according to the voice verification information, and the voice information is successfully recognized by the voice information of the corresponding target payment account. Pay the security of the account setting operation to prevent illegal users from illegally setting the user's associated payment account.

The mobile terminal may further include: a receiving unit 630, configured to receive account information of the target payment account identified by the server. Taking the associated payment account management form in FIG. 11 or 12 as an example, the server can perform voice recognition on the voice information uploaded by the mobile terminal to obtain the account information of the target payment account, and return the account information to the receiving unit 630, as shown in FIG. 11 or FIG. For example, the server can return the account information of the target payment account obtained by the voice recognition as the form content of the target form item to the mobile terminal, and the mobile terminal can update the associated payment account management displayed in the current interface. a form; the server may also return to the receiving unit 630 the entire associated payment account management form after the recognition result of the voice information has been filled in the corresponding target form item, and the mobile terminal updates the display according to the associated payment account management form returned by the server. The associated payment account management form allows the user to see in the associated payment account management form whether the recognition result of the voice information of the corresponding target payment account by the server is correct.

The mobile terminal can also manually modify and clear the content of the form items in the associated payment account management form according to the instruction input by the user. Work. For example, if the user finds that the voice recognition result in the target form item returned by the server is wrong, it can be manually edited and modified, and the content in the target form item can be deleted, and the content can be manually or manually input. Taking the associated payment account management form in FIG. 11 or 12 as an example, after the user confirms the content of the associated payment account management form confirmed by the user, the user can click “Next” or “Complete” or “Submit” below the interface. After the button is pressed, the user-confirmed associated payment account management form is submitted to the server, and the server saves the user-identified associated payment account management form for the user. The mobile terminal can also submit the associated payment account management form by acquiring the voice command input by the user. For example, the mobile terminal can always detect whether the user inputs valid voice during the process of displaying the associated payment account management form interface in FIG. 11 or 12. After the user enters a "next step" or "complete", "submit", "edit", "delete" and other voice commands, the execution of the current associated payment account management form is submitted to the server, and the mobile terminal is further The voice command obtained during the process of displaying the associated payment account management form interface may be uploaded to the server, and the voice command is recognized by the server, and the recognized control command is returned to the mobile terminal. The server may also detect whether the voice information uploaded by the mobile terminal corresponding target form item includes a preset voice instruction, for example, “submit”, “edit”, “delete”, etc., if it detects that the preset voice command is included Then, the control instruction corresponding to the voice instruction can be returned to the mobile terminal. If the server recognizes a plurality of different control commands from the voice information or the voice command submitted by the mobile terminal, it may be considered that the voice command submitted by the user is invalid or the corresponding control command cannot be obtained from the voice information. The control instruction includes a form submission instruction or a content deletion instruction. If the form submits an instruction, the mobile terminal submits the current associated payment account management form to the server. The effective voice can be sound intensity up to Voice information to a preset threshold.

The sending unit 620 is further configured to: submit account information of the target payment account confirmed by the user to the server, so that the server pays the account according to the target confirmed by the user. The account information sets the target payment account as an associated payment account of the login account of the mobile terminal.

The mobile terminal may further include: a voice instruction acquiring unit 640, configured to acquire a voice instruction of the user. The voice instruction acquisition unit 640 can always detect whether the user inputs valid voice during the process of displaying the associated payment account management form interface in FIG. 11 or 12. If the valid voice is obtained, it is regarded as a voice instruction.

The sending unit 620 is further configured to: upload a voice command of the user to the server, so that the server identifies the voice command to obtain a control command.

The receiving unit 630 is further configured to: acquire a control instruction that is recognized by the server for the voice instruction. For example, when the user reads "submit", "edit", "delete", etc. to the mobile terminal, the voice command acquiring unit 640 acquires the voice command, and the sending unit 620 uploads the voice command to the server, and the server After the voice command is recognized, the recognized control command is returned to the mobile terminal. For example, if the user reads “delete” from the mobile terminal, the server may return a control instruction for deleting the form item to the mobile terminal according to the voice instruction uploaded by the mobile terminal, so that the mobile terminal deletes the content of the most recently filled form item.

The server may also detect whether the voice information of the corresponding target form item uploaded by the mobile terminal through the sending unit 620 includes a preset voice instruction, for example, “submit”, “edit”, “delete”, etc., if detected The preset voice command is included, and the control command corresponding to the voice command can be returned to the mobile terminal, and the receiving unit 630 obtains the corresponding control command.

If the server does not recognize the control command or recognizes a plurality of different control commands from the voice information or the voice command submitted by the mobile terminal, the voice command submitted by the user may be invalid or the corresponding control command may not be obtained from the voice information. .

The mobile terminal further includes: an account information operation unit 650, configured to submit or delete account information of the target payment account returned by the server according to the control instruction returned by the server. Taking the associated payment account management form in FIG. 11 or 12 as an example, the account information operation unit 650 may submit an associated payment account management form confirmed by the user according to the control instruction received by the receiving unit 630, and may also correspond to the target form item. Form operations, such as form (item) editing, form (item) deletion, form (item) re-transmission, etc., for example, after the action terminal selects the target form item and reads "delete", the server can upload according to the action terminal. The voice information corresponding to the target payment account returns a control instruction for deleting the form item to the mobile terminal, so that the mobile terminal deletes the content of the target form item.

The mobile terminal in the embodiment uploads the voice information of the target payment account in the associated payment account management form to the server, and the server adds the voice recognition result of the voice information to the associated payment account management form. In the target form item, the account information of the target payment account returned by the server may be submitted or deleted through the voice command input by the user, so that the processing of the associated payment account management form is conveniently performed by means of voice input, thereby effectively reducing the filling error. happened.

Figure 7 is a diagram showing the structure of a mobile terminal in another embodiment of the present invention As shown in FIG. 7, the mobile terminal 700 may include at least one processor 701, such as a CPU, at least one network interface 703, a memory 704, a communication bus 702, and a voice collection device 705. Among them, the communication bus 702 is used for connection communication between these elements. The voice collection device 705 is configured to acquire voice information or voice commands input by a user, such as a microphone, a microphone, and the like. The network interface 703 of the mobile terminal 700 in the embodiment of the present invention may include a standard wired interface and a wireless interface (such as a WI-FI interface) for communicating with a server through the Internet. The memory 704 may be a high speed RAM memory or a non-volatile memory such as at least one disk memory. The memory 704 can also be at least one storage device located remotely from the processor 701. The memory 704 stores a set of code codes, and the processor 701 is configured to call the code stored in the memory 704, and the following operations are performed: the voice information of the user corresponding target payment account is obtained by the voice collecting device 705; The interface 703 uploads the voice information of the corresponding target payment account to the server, so that the server performs voice recognition on the voice information to obtain account information of the target payment account, and according to the account information of the target payment account. The target payment account is set as an associated payment account of the login account of the mobile terminal.

The processor 701 calls the code stored in the memory 704 to perform the following operations: uploading the user's voice verification information to the server through the network interface 703, so that the server receives the corresponding target payment. The voice information of the account is voice-coded according to the voice verification information, and if the voiceprint verification is successful, voice recognition is performed on the voice information, thereby improving the security of the payment account setting operation. Sexuality to prevent illegal users from illegally setting the user's associated payment account.

The processor 701 can also perform the following operations by calling the code stored in the memory 704: receiving the account information of the target payment account identified by the server through the network interface 703; and confirming by the user through the network interface 703 The account information of the target payment account is submitted to the server, so that the server sets the target payment account as the mobile terminal according to the account information of the target payment account confirmed by the user. The associated payment account for the login account.

The processor 701 can also perform the following operations after receiving the code stored in the memory 704: after receiving the account information of the target payment account identified by the server, acquiring the voice command of the user by using the voice collection device 705; The network interface 703 uploads the voice command of the user to the server, acquires a control command obtained by the server for identifying the voice command through the network interface 703, and submits or deletes according to the control command returned by the server. The account information of the target payment account returned by the server. The control instruction includes a form submission instruction or a content deletion instruction, and the operation of the associated payment account management form according to the control instruction returned by the server includes: using the network submission interface 703 according to the form submission instruction The associated payment account management form confirmed by the person is submitted to the server; or the content in the target form item is deleted according to the content deletion instruction. The mobile terminal introduced in this embodiment may be used to implement some or all of the processes in the foregoing embodiment of the payment account management method introduced in conjunction with FIG. 1 and FIG. 3 to FIG.

FIG. 8 is a schematic structural diagram of a server according to an embodiment of the present invention. The server in the embodiment of the present invention may be an instant messaging server, a SNS (Social Networking Services) server, or a payment server. The server in this embodiment as shown in FIG. 8 may further include: a receiving unit 810, configured to receive a corresponding target payment account submitted by the mobile terminal. Voice information. The associated payment account management form displayed in the mobile terminal, as shown in FIG. 11 or FIG. 12, includes at least one form item, and the user can press the card number to input the voice input button below the form item according to the prompt in FIG. The voice collection device that triggers the action terminal during the time when the button is pressed is acquired to obtain the voice information input by the user corresponding card number input form item, wherein the card number can be the target payment account, and the user can also press the mobile phone according to the prompt in FIG. The voice input button on the right side of the input form item triggers the voice collection device of the mobile terminal to obtain the voice information input by the user corresponding to the mobile phone number input form item during the time when the user keeps pressing the button, and in other embodiments, other voices can be used. The voice input mode is triggered to obtain the voice information of the target payment account in the corresponding payment account management form of the user. For example, the user directly presses the target form item twice to trigger the acquisition of the voice information of the user corresponding to the target payment account. Or the user selects or moves the input cursor to the target form item Click interface preset trigger voice input button for the user to obtain payment account should target voice information, and so on. Then, when the user releases the voice input button corresponding to pressing the target form item, the mobile terminal confirms that the voice information input by the user corresponding to the target form item has been completed, and the user starts pressing the voice input button corresponding to the target form item. The voice information obtained until the user releases the button is uploaded to the server. If there are multiple form items in the associated payment account management form, the receiving unit 810 receives the form information identifier of the target form item that the voice information of the corresponding target payment account uploaded by the mobile terminal can carry. The voice recognition unit 820 is configured to perform voice recognition on the voice information to obtain account information of the target payment account. The payment account management unit 830 is configured to set the target payment account as the associated payment account of the login account of the mobile terminal according to the account information of the target payment account identified by the voice recognition unit 820.

The server in this embodiment may further include: a voiceprint verification unit 840, configured to perform voiceprint verification on the voice information of the corresponding target payment account identified by the voice recognition unit 820 according to the voice verification information uploaded by the user in advance. If the voiceprint verification is successful, the voice recognition unit is notified to perform voice recognition on the voice information. When the voiceprint verification unit 840 successfully performs voiceprint verification on the voice information of the corresponding target payment account according to the voice verification information uploaded by the user in advance, the voice recognition unit 820 triggers the voice recognition unit 820 to perform voice recognition on the voice information, thereby improving the payment account setting operation. Security to prevent illegal users from illegally setting up the user's associated payment account.

The server in this embodiment may further include: a sending unit 850, configured to return the account information obtained by the voice recognition to the target payment account to the mobile terminal. The sending unit 850 can return the account information of the target payment account obtained by voice recognition of the voice information uploaded by the mobile terminal to the mobile terminal, and the associated payment account management form in FIG. 11 or 12 is taken as an example, and the sending unit 850 can The account information of the target payment account obtained by the voice recognition is returned to the mobile terminal as the form content of the target form item, and the mobile terminal can update the associated payment account management form displayed in the current interface; the sending unit 850 can also return to the mobile terminal. The identification result of the voice information is filled in the entire associated payment account management form after the corresponding target form item, and the mobile terminal updates and displays the associated payment account management form according to the associated payment account management form returned by the server, so that the user can In the associated payment account management form, it is seen whether the recognition result of the voice information of the server corresponding to the target payment account is correct.

Further, the receiving unit 810 is further configured to: receive account information of the target payment account confirmed by the user sent by the mobile terminal. Take the associated payment account management form in Figure 11 or 12 as an example, in the user After confirming the content of the associated payment account management form confirmed by the user, the user can click the “Next” or “Complete” or “Submit” button below the interface to submit the related payment account management form confirmed by the user to the office. Said server. The mobile terminal can also submit the associated payment account management form by acquiring the voice command input by the user. For example, the mobile terminal can always detect whether the user inputs valid voice during the process of displaying the associated payment account management form interface in FIG. 11 or 12. To the user's input "next step" or "complete", "submit" and other voice commands, the current associated payment account management form is submitted to the server.

The payment account management unit 830 is configured to set the target payment account as the associated payment account of the login account of the mobile terminal according to the account information of the target payment account confirmed by the user received by the receiving unit 810. The receiving unit 810 is further configured to acquire a voice instruction of a user uploaded by the mobile terminal. The mobile terminal can always detect whether the user inputs valid voice during the process of displaying the associated payment account management form interface in FIG. 11 or 12. If the valid voice is obtained, it is regarded as a voice command and uploaded to the server. The valid voice may be voice information whose sound intensity reaches a preset threshold.

The voice recognition unit 820 is further configured to identify the voice command to obtain a control instruction. The control instruction includes a form submission instruction or a content deletion instruction, and may further include a form (item) editing instruction, a form (item) re-input instruction, and the like. The voice recognition unit 820 can also detect whether the voice information uploaded by the mobile terminal corresponding to the target form item includes a preset voice instruction, for example, “submit”, “edit”, “delete”, etc., if it detects that the preset voice is included The instruction can identify the control instruction corresponding to the voice instruction.

If the voice recognition unit 820 submits the voice resource from the mobile terminal If the control command is not recognized or a plurality of different control commands are recognized in the voice or voice command, the voice command submitted by the user may be invalid or the corresponding control command may not be obtained from the voice information.

The sending unit 850 is further configured to return the control instruction to the mobile terminal, so that the mobile terminal operates the associated payment account management form according to the control instruction.

The action terminal can perform the operation of the associated payment account management form according to the control instruction, for example, form (item) editing, form (item) deletion, form (item) re-transmission, and the like. For example, the sending unit 850 returns a form submission instruction to the mobile terminal, and the mobile terminal submits the current associated payment account management form to the server. For example, if the user reads “delete” from the mobile terminal, the server may return a control instruction for deleting the form item to the mobile terminal according to the voice instruction uploaded by the mobile terminal, so that the mobile terminal deletes the content of the most recently filled form item. If the user reads "delete" after selecting the target form item, the server may return a control instruction for deleting the form item to the mobile terminal according to the voice information uploaded by the mobile terminal corresponding to the target payment account, so as to make the mobile terminal Delete the content of the target form item.

FIG. 9 is a schematic structural diagram of a server in another embodiment of the present invention. As shown in FIG. 9, the server 900 in this embodiment may include: at least one processor 901, such as a CPU, at least one network interface 903. , memory 904, communication bus 902. Among them, the communication bus 902 is used for connection communication between these elements. The network interface 903 of the server 900 in the embodiment of the present invention may include a standard wired interface and a wireless interface (such as a WI-FI interface) for communicating with the mobile terminal through the Internet. The memory 904 may be a high speed RAM memory or a non-volatile memory such as at least one disk memory. Memory 904 can also be at least one storage device located remotely from the aforementioned processor 901. The memory 904 stores a set of code, and the processor 901 calls the code stored in the memory 904 to perform the following operations: receiving the voice information of the corresponding target payment account submitted by the mobile terminal through the network interface 903; Performing voice recognition to obtain account information of the target payment account; and setting the target payment account as an associated payment account of the login account of the mobile terminal according to the account information of the target payment account.

The processor 901 can also perform the following steps: calling the voice information stored in the memory 904 to perform voiceprint verification on the voice information of the corresponding target payment account according to the voice verification information uploaded by the user in advance, and if the voiceprint verification is successful, the notification is notified. The voice recognition unit performs voice recognition on the voice information, which can improve the security of the payment account setting operation, so as to prevent the illegal user from illegally setting the associated payment account of the user.

The processor 901 calls the code stored in the memory 904 to perform the following steps: returning the account information of the target payment account obtained by the voice recognition to the mobile terminal through the network interface 903; receiving and saving the message through the network interface 903 The account information of the target payment account confirmed by the user sent by the mobile terminal; setting the target payment account as the associated payment of the login account of the mobile terminal according to the account information of the target payment account confirmed by the user account number.

The processor 901 calls the code stored in the memory 904 to perform the following steps: after returning the account information identifying the target payment account to the mobile terminal, obtaining the action end through the network interface 903. Ending the user's voice command; identifying the voice command to obtain a control command; returning the control command to the mobile terminal through the network interface 903, so that the mobile terminal submits or deletes the command according to the control command The voice recognition obtains the account information of the target payment account.

The mobile terminal introduced in this embodiment may be used to implement some or all of the processes in the embodiment of the payment account management method introduced in the foregoing with reference to FIG. 2 to FIG.

FIG. 10 is a schematic structural diagram of an associated payment account management system according to an embodiment of the present invention. As shown in FIG. 10, an associated payment account management system according to an embodiment of the present invention includes: a server 110 and a mobile terminal 120, wherein: The mobile terminal 120 may be the mobile terminal described in connection with FIG. 6 or FIG. 7 for acquiring the voice information of the user corresponding to the target payment account, and uploading the voice information of the corresponding target payment account to the server 110; The server 110 may be the server described in connection with FIG. 8 or FIG. 9 for receiving the voice information of the corresponding target payment account uploaded by the mobile terminal 120, and performing voice recognition on the voice information to obtain the target payment account. The account information is used to set the target payment account as the associated payment account of the login account of the mobile terminal according to the account information of the target payment account.

The server 110 is further configured to perform voiceprint verification on the voice information of the corresponding target payment account according to the voice verification information uploaded by the user in advance, and if the voiceprint verification is successful, the voice information is voice-recognized. Improve the security of the payment account setting operation to prevent illegal users from illegally setting the user's associated payment account.

The server 110 is further configured to return the account information obtained by the voice recognition to the target payment account to the mobile terminal 120. The mobile terminal 120 is further configured to receive the voice recognition returned by the server 110. After the account information of the target payment account is obtained, the account information of the target payment account confirmed by the user is submitted to the server 110; the server 110 is further configured to perform payment according to the target confirmed by the user. The account information of the account sets the target payment account as the associated payment account of the login account of the mobile terminal.

After receiving the voice recognition returned by the server to obtain the account information of the target payment account, the mobile terminal 120 is further configured to acquire a voice command of the user, and upload the voice command of the user to the server. The server 110 is further configured to identify the voice command, and return the identified control command to the mobile terminal 120. The mobile terminal 120 is further configured to be used according to the server 110. The returned control command is to submit or delete the account information of the target payment account returned by the server.

In the embodiment of the present invention, the voice information of the target payment account is uploaded to the server, and the server fills in the account information of the target payment account obtained by the voice recognition of the voice information into the target form item in the associated payment account management form. In the middle, the associated payment account management form can be edited and submitted through the voice command input by the user, thereby realizing the setting of the associated payment account by means of voice input, thereby effectively reducing the occurrence of the filling error.

All or part of the processes in the foregoing embodiment may be implemented by a computer program to control related hardware. The program may be stored in a computer readable storage medium, and the program may include the foregoing All or part of the flow of the embodiment of the payment account management method as described in any of the embodiments of Figures 1 to 5. The storage medium may be a magnetic disk, a optical disk, a read-only memory (ROM), or a random Memory (Random Access Memory, RAM), etc.

The above is only the preferred embodiment of the present invention, and the scope of the present invention is not limited thereto, and thus equivalent changes made in the claims of the present invention are still within the scope of the present invention.

S101~S104‧‧‧Steps

Claims (24)

A method for managing a payment account, wherein the method includes: the mobile terminal acquires voice information of the user corresponding to the target payment account; the mobile terminal uploads voice information of the corresponding target payment account to the server; the server pairs the voice The information is voice-recognized to obtain the account information of the target payment account. The server sets the target payment account as the associated payment account of the login account of the mobile terminal according to the account information of the target payment account. The method for managing a payment account according to the first aspect of the invention, wherein the method comprises: the server performing voiceprint verification on the voice information of the corresponding target payment account according to the voice verification information uploaded by the user in advance; If the voiceprint verification is successful, the voice information is voice-recognized. The method for managing a payment account as described in claim 1, wherein the method further includes the following steps: the server returns voice account identification information of the target payment account to the mobile terminal; the mobile terminal Submitting the account information of the target payment account confirmed by the user to the server, so that the server sets the target payment account as the action according to the account information of the target payment account confirmed by the user. The associated payment account of the login account of the terminal. The method for managing a payment account according to the first aspect of the invention, wherein the server further comprises the following steps: returning the account information of the target payment account to the mobile terminal after the voice recognition: the mobile terminal acquires the user Voice command; the mobile terminal uploads a user's voice command to the server; the server identifies the voice command, and returns the identified control command to the mobile terminal; The terminal submits or deletes account information of the target payment account returned by the server according to the control instruction returned by the server. A method for managing a payment account, the method comprising: acquiring voice information of a user corresponding to a target payment account; uploading voice information of the corresponding target payment account to a server, so that the server performs voice on the voice information Identifying the account information of the target payment account and setting the target payment account as the associated payment account of the login account of the mobile terminal according to the account information of the target payment account. The method for managing a payment account according to claim 5, wherein before the voice information of the corresponding target payment account is uploaded to the server, the method further includes the following steps: uploading the voice verification information of the user to the server, And causing the server to perform voiceprint verification on the voice information of the corresponding target payment account according to the voice verification information when receiving the voice information of the corresponding target payment account, and if the voiceprint verification is successful, the voice is Information for speech recognition. The method for managing a payment account according to claim 5, wherein the method further comprises the steps of: receiving account information of the target payment account identified by the server; and determining the target confirmed by the user. The account information of the payment account is submitted to the server, so that the server sets the target payment account as the login account of the mobile terminal according to the account information of the target payment account confirmed by the user. Associate payment account. The payment account management method of claim 7, wherein the receiving the account information of the target payment account identified by the server further comprises the following steps: acquiring a voice command of the user; The voice command is uploaded to the server; the control command obtained by the server for identifying the voice command is obtained; and the account information of the target payment account returned by the server is submitted or deleted according to the control command returned by the server. . An action terminal, wherein the mobile terminal includes: a voice information acquiring unit, configured to acquire voice information of a user corresponding target payment account; and a sending unit, configured to upload voice information of the corresponding target payment account to the server, to And causing the server to perform voice recognition on the voice information to obtain account information of the target payment account, and set the target payment account as an associated payment of the login account of the mobile terminal according to the account information of the target payment account. account number. The mobile terminal according to claim 9, wherein the sending unit is further configured to: upload a voice verification information of the user to the server, so that the server receives the corresponding target payment account. According to the voice verification information, voice information is verified on the voice information of the corresponding target payment account, and if the voiceprint verification is successful, the voice information is voice-recognized. The mobile terminal according to claim 9, wherein the mobile terminal further includes: a receiving unit, configured to receive account information of the target payment account identified by the server; the sending unit is further used to: And submitting the account information of the target payment account confirmed by the user to the server, so that the server sends the target payment account according to the account information of the target payment account confirmed by the user. Set as the associated payment account of the login account of the mobile terminal. The mobile terminal according to claim 11, wherein the mobile terminal further includes: a voice instruction acquiring unit, configured to acquire a voice command of the user; and the sending unit is further configured to: upload the voice command of the user The receiving unit is further configured to: obtain a control instruction that is recognized by the server for the voice instruction; the mobile terminal further includes: an account information operation unit, configured to return according to the server Control finger To submit or delete the account information of the target payment account returned by the server. A method for managing a payment account, the method comprising: receiving voice information of a corresponding target payment account submitted by the mobile terminal; performing voice recognition on the voice information to obtain account information of the target payment account; and purchasing an account number of the account according to the target The information sets the target payment account as an associated payment account of the login account of the mobile terminal. The method for managing a payment account according to claim 13 , wherein the voice recognition of the voice information to obtain the account information of the target payment account further includes the following steps: according to the voice verification information uploaded by the user in advance Perform voiceprint verification on the voice information of the corresponding target payment account, and perform voice recognition on the voice information if the voiceprint verification is successful. The method for managing a payment account according to claim 13 , wherein the method further comprises the steps of: returning, by the voice recognition, account information of the target payment account to the mobile terminal; and receiving the The account information of the target payment account confirmed by the user; the account payment information of the target payment account is set as the associated payment account of the login account of the mobile terminal according to the account information of the target payment account: according to the used The account information of the target payment account confirmed by the user sets the target payment account as the association of the login account of the mobile terminal Pay the account number. The payment account management method of claim 15, wherein the returning the voice recognition to the mobile terminal to obtain the account information of the target payment account further comprises: acquiring a voice instruction of the user uploaded by the mobile terminal; And determining, by the mobile terminal, the control instruction, and returning the control instruction to the mobile terminal, so that the mobile terminal submits or deletes the voice recognition according to the control instruction to obtain account information of the target payment account. A server, the server includes: a receiving unit, configured to receive voice information of a corresponding target payment account submitted by the mobile terminal; and a voice recognition unit, configured to perform voice recognition on the voice information to obtain an account of the target payment account And a payment account management unit, configured to set the target payment account as an associated payment account of the login account of the mobile terminal according to the account information of the target payment account. The server of claim 17, wherein the server further comprises: a voiceprint verification unit, configured to perform voiceprint on the voice information of the corresponding target payment account according to the voice verification information uploaded by the user in advance Verification, if the voiceprint verification is successful, notifying the voice recognition unit to perform voice recognition on the voice information. The server of claim 17, wherein the server further comprises: a sending unit, configured to return voice account identification information of the target payment account to the mobile terminal; and the receiving unit further uses The account information of the target payment account confirmed by the user sent by the mobile terminal; the payment account management unit is configured to: according to the account information of the target payment account confirmed by the user The target payment account is set as the associated payment account of the login account of the mobile terminal. The server of claim 19, wherein: the receiving unit is further configured to acquire a voice instruction of a user uploaded by the mobile terminal; the voice recognition unit is further configured to: Identifying the control command; the sending unit is further configured to return the control instruction to the mobile terminal, so that the mobile terminal submits or deletes the voice recognition according to the control command to obtain an account of the target payment account. News. A payment account management system, the system includes a mobile terminal and a server, wherein: the mobile terminal is configured to acquire voice information of a user corresponding target payment account, and upload voice information of the corresponding target payment account to the server Device The server is configured to receive voice information of a corresponding target payment account uploaded by the mobile terminal, perform voice recognition on the voice information to obtain account information of the target payment account, and use the account information of the target payment account to target the target The payment account is set as the associated payment account of the login account of the mobile terminal. The payment account management system according to claim 21, wherein the server performs voiceprint verification on the voice information of the corresponding target payment account according to the voice verification information uploaded by the user in advance, if the voiceprint verification succeeds And performing voice recognition on the voice information. The payment account management system of claim 21, wherein the server returns the account information of the target payment account to the mobile terminal by voice recognition; the mobile terminal is further configured to receive the After the voice recognition returned by the server obtains the account information of the target payment account, the account information of the target payment account confirmed by the user is submitted to the server; the server is further used according to the used The account information of the target payment account confirmed by the user sets the target payment account as the associated payment account of the login account of the mobile terminal. The payment account management method according to claim 21, wherein the server, after the voice recognition returns the account information of the target payment account, to the mobile terminal, further includes the following steps: the mobile terminal receives After the voice recognition returned by the server obtains the account information of the target payment account, it is also used to obtain the user's language. a voice command, and uploading a voice command of the user to the server; the server is further configured to identify the voice command, and return the identified control command to the mobile terminal; The terminal is further configured to submit or delete the account information of the target payment account returned by the server according to the control instruction returned by the server.