CN114186993A - A digital currency transaction method and device - Google Patents
A digital currency transaction method and device Download PDFInfo
- Publication number
- CN114186993A CN114186993A CN202111254086.7A CN202111254086A CN114186993A CN 114186993 A CN114186993 A CN 114186993A CN 202111254086 A CN202111254086 A CN 202111254086A CN 114186993 A CN114186993 A CN 114186993A
- Authority
- CN
- China
- Prior art keywords
- authentication
- transaction
- digital currency
- user
- voice data
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
-
- G—PHYSICS
- G10—MUSICAL INSTRUMENTS; ACOUSTICS
- G10L—SPEECH ANALYSIS TECHNIQUES OR SPEECH SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING TECHNIQUES; SPEECH OR AUDIO CODING OR DECODING
- G10L17/00—Speaker identification or verification techniques
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- Finance (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Acoustics & Sound (AREA)
- Health & Medical Sciences (AREA)
- Audiology, Speech & Language Pathology (AREA)
- Human Computer Interaction (AREA)
- Computer Networks & Wireless Communication (AREA)
- Multimedia (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a digital currency transaction method and device, and relates to the technical field of digital currency. The method is applied to the terminal, and the specific implementation mode comprises the following steps: acquiring a transaction request; the transaction request indicates wake-up voice data and transaction information corresponding to a digital currency transaction; providing target authentication data corresponding to the digital currency transaction to the user according to the transaction request; receiving authentication voice data input by a user according to the target authentication data; authenticating the authentication voice data according to a locally preset voiceprint feature library; and responding to the transaction request according to the transaction information and the digital currency in the digital currency wallet of the terminal under the condition that the authentication result is authentication pass. The implementation mode can ensure the safety of user information, does not need to interact with a remote server, saves system resources, improves the convenience of transaction, improves user experience, and realizes safe and convenient authentication of wireless off-line transaction.
Description
Technical Field
The invention relates to the technical field of digital currency, in particular to a digital currency transaction method and device.
Background
The hardware wallet refers to a physical medium for storing digital money, a digital money carrier with a hardware security element medium. For example, a mobile phone with SE security element, a vehicle SE security element, an NFC-SIM card, a bank card, a wearable device, and the like.
When the safety unit of the existing hardware wallet pays, the safety unit needs to frequently interact with a remote server, and the payment information and the like of a user are authenticated through authentication information stored by the remote server, so that the operation requirement of the user is responded.
The existing multi-terminal interactive payment operation is frequently interrupted in a multi-time interactive process under the condition of unstable network, and cannot timely respond to the user requirements, so that the user experience is very poor; moreover, sensitive information required by user authentication is stored through the remote server, so that the safety is poor, and the risk of user information leakage is increased.
Disclosure of Invention
In view of this, embodiments of the present invention provide a method and an apparatus for digital currency transaction, which can prevent user information from being leaked, ensure security of the user information, avoid interaction with a remote server, save system resources, improve convenience of transaction, improve user experience, greatly improve user satisfaction, and implement secure and convenient authentication of a wireless offline transaction.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a digital money transaction method including:
acquiring a transaction request; the transaction request indicates wake-up voice data and transaction information corresponding to a digital currency transaction;
providing target authentication data corresponding to the digital currency transaction to the user according to the transaction request;
receiving authentication voice data input by the user according to the target authentication data;
authenticating the authentication voice data according to a locally preset voiceprint feature library;
and responding to the transaction request according to the transaction information and the digital currency in the digital currency wallet of the terminal under the condition that the authentication result is authentication pass.
Optionally, the voice print feature library is used for authenticating the authentication voice data through a security authentication application of the terminal;
in the event that authentication passes, sending the authentication result to the digital currency wallet by the secure authentication application, causing the digital currency wallet to generate digital currency to be paid for in response to the transaction request in accordance with the digital currency to be paid for.
Optionally, the security authentication application and the digital currency wallet are provided in a secure unit;
the secure authentication application and the digital currency wallet communicate through a digital currency service module.
Optionally, the transaction information comprises a user identification; before obtaining the transaction request, the method further comprises the following steps:
collecting the input voice data of the user;
determining the voiceprint characteristics of the input voice data;
constructing a voiceprint feature library according to the user identification of the user; wherein, the voiceprint feature library is used for correspondingly storing the user identification and the voiceprint features.
Optionally, the authenticating the authentication voice data according to a locally preset voiceprint feature library includes:
determining a target voiceprint feature corresponding to the user identification according to the voiceprint feature library;
determining authentication voiceprint characteristics of the authentication voice data;
and comparing the authentication voiceprint characteristics with the target voiceprint characteristics.
Optionally, the method further comprises:
and comparing the authentication voice data with the target authentication data under the condition that the authentication voiceprint characteristics are the same as the target voiceprint characteristics.
Optionally, the terminal is a vehicle-mounted terminal.
According to still another aspect of an embodiment of the present invention, there is provided a digital money transaction apparatus including:
the acquisition module is used for acquiring a transaction request; the transaction request indicates wake-up voice data and transaction information corresponding to a digital currency transaction;
a providing module for providing target authentication data corresponding to the digital currency transaction to the user according to the transaction request;
the receiving module is used for receiving authentication voice data input by the user according to the target authentication data;
the authentication module is used for authenticating the authentication voice data according to a locally preset voiceprint feature library;
and the response module is used for responding to the transaction request according to the transaction information and the digital currency in the digital currency wallet of the terminal under the condition that the authentication result is that the authentication is passed.
According to another aspect of an embodiment of the present invention, there is provided a digital money transaction electronic apparatus including:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the digital currency transaction method provided by the present invention.
According to still another aspect of an embodiment of the present invention, there is provided a computer-readable medium on which a computer program is stored, the program, when executed by a processor, implementing the digital money transaction method provided by the present invention.
One embodiment of the above invention has the following advantages or benefits: the technical means that the user authentication voice data are authenticated according to the local voiceprint feature library by constructing the local voiceprint feature library, and the authentication result is sent to the digital currency wallet through the security authentication application under the condition that the authentication is passed, so that the digital currency wallet generates the digital currency to be paid, and the user transaction request is responded according to the digital currency to be paid, and therefore the technical defects that the user experience is poor due to the fact that the existing multi-terminal interactive mode is frequently interrupted and the user request cannot be responded in time are overcome; moreover, the technical problem of user information leakage risk caused by poor user information security due to the fact that the user sensitive information is stored through the remote server is solved, the local voiceprint feature library can be directly obtained when the user authentication voice data is authenticated, voiceprint features of the user do not need to be obtained through interaction with the remote server, the user request can be timely responded, smooth transaction is guaranteed, system resources are saved, user experience is improved, possible transaction interruption caused by network instability is prevented, safe and convenient authentication of offline transaction is achieved, leakage of the user sensitive information is prevented, the safety of the user sensitive information is improved, user privacy is protected, and the user satisfaction degree is improved.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a schematic diagram of a main flow of a digital money transaction method according to an embodiment of the present invention;
fig. 2 is a schematic diagram of a main flow of an authentication method of authenticating voice data according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of a main flow of a method for constructing a voiceprint feature library according to an embodiment of the invention;
fig. 4 is a schematic diagram of the main modules of the digital money transaction apparatus according to the embodiment of the present invention;
FIG. 5 illustrates an exemplary system architecture diagram of a digital money transaction method or digital money transaction apparatus suitable for application to embodiments of the present invention;
fig. 6 is a schematic block diagram of a computer system suitable for use in implementing a terminal device or server of an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
Fig. 1 is a schematic diagram of a main flow of a digital money transaction method according to an embodiment of the present invention, and as shown in fig. 1, the digital money transaction method of the present invention includes:
step S101, acquiring a transaction request; the transaction request indicates wake-up voice data and transaction information corresponding to a digital currency transaction.
In the embodiment of the invention, the digital currency transaction method is applied to the terminal, and the transaction information can comprise user identification. The terminal of the invention can be a vehicle-mounted terminal.
In the embodiment of the invention, a user carries out service processing through a service application, and sends a transaction request to the digital currency application through the service application after determining the digital currency transaction corresponding to a target service.
Further, the service application may be a service application of the terminal.
In the embodiment of the invention, in the service application, the user can input the transaction request through the microphone, for example, the user inputs the awakening voice data and selects the transaction mode to be digital currency payment.
And step S102, providing target authentication data corresponding to the digital currency transaction to the user according to the transaction request.
In the embodiment of the invention, after the digital currency application of the terminal receives the service request, the target authentication data corresponding to the digital currency transaction is provided for the user according to the transaction request. Wherein the target authentication data may be a 6-bit digital authentication code.
In the embodiment of the present invention, the manner of providing the target authentication data to the user may be to display the target authentication data through a display screen, or may be to play the target authentication data through a speaker.
Step S103, receiving the authentication voice data input by the user according to the target authentication data.
In the embodiment of the invention, the digital currency application of the terminal receives the authentication voice data input by the user through the microphone according to the target authentication data and sends the authentication voice data to the security authentication application of the terminal.
In the embodiment of the present invention, in a case where the terminal is an in-vehicle terminal, the in-vehicle terminal further includes a camera, and determines authentication voice data according to a screen of the camera and an input of a microphone, specifically:
and in the case that the screen of the camera confirms that the user is in the vehicle and the input of the authentication voice data by the user is detected through the microphone, transmitting the authentication voice data to the security authentication application of the terminal.
Through the double authentication of the camera and the microphone, the vehicle-mounted terminal can be prevented from being attacked by other bugs or the leakage risk of the sensitive information of the user caused by the possible remote mode control, and the safety of the information of the user is improved.
In the embodiment of the present invention, when the terminal is a vehicle-mounted terminal and the vehicle-mounted terminal includes a camera, the method further includes:
collecting a facial image of a user;
analyzing the facial image data to determine the authentication facial features of the user;
determining a target facial feature corresponding to the user identification according to the facial feature library;
and comparing the authentication facial features with the target facial features to determine whether the authentication facial features and the target facial features are the same.
In the embodiment of the present invention, in the case where the authentication facial feature and the target facial feature are the same, it goes to step S103.
And step S104, authenticating the authentication voice data according to a locally preset voiceprint feature library.
In the embodiment of the invention, a local voiceprint feature library is stored in the security authentication application of the terminal, and the voiceprint feature library is utilized to authenticate the authentication voice data through the security authentication application of the terminal; wherein the secure authentication application may be a SE voiceprint authentication application.
In the embodiment of the present invention, as shown in fig. 2, the authentication method for authenticating voice data of the present invention includes the following steps:
step S201, according to the voiceprint feature library, determining a target voiceprint feature corresponding to the user identifier.
In the embodiment of the invention, the voiceprint feature library stores the user identification corresponding to the user and the voiceprint feature corresponding to the user identification. And acquiring the voiceprint characteristics corresponding to the user identification in the voiceprint characteristic library through the user identification, decrypting the voiceprint characteristics and further determining the target voiceprint characteristics corresponding to the user identification.
In the embodiment of the invention, before the transaction request is acquired, the voiceprint feature library is constructed and stored locally, and further the authentication voice data can be authenticated according to the locally preset voiceprint feature library. As shown in fig. 3, the method for constructing the voiceprint feature library of the present invention includes the following steps:
step S301, receiving a voiceprint feature entry request of a user.
In the embodiment of the invention, a voiceprint characteristic entry request of a user is received through a digital currency application of a terminal.
In the embodiment of the present invention, when the terminal is a vehicle-mounted terminal and the vehicle-mounted terminal includes a camera, the method further includes:
a facial feature entry request of a user is received.
Step S302, according to the voiceprint feature input request, providing target input data for the user.
In embodiments of the invention, the target entry data is provided to the user by a digital currency application.
Step S302, collecting the input voice data input by the user according to the target input data.
In the embodiment of the invention, the input voice data of the user is collected through the digital currency application, and the input voice data of the user is sent to the security authentication application of the terminal. The time of inputting the input voice data can be recorded while the input voice data of the user is collected.
In the embodiment of the present invention, when the terminal is a vehicle-mounted terminal and the vehicle-mounted terminal includes a camera, the method further includes:
facial image data of a user is acquired.
Step S303, determining the voiceprint characteristics of the recorded voice data according to the recorded voice data.
In the embodiment of the invention, the voiceprint characteristics of the recorded voice data can be determined through the voice recognition module of the security authentication application.
In the embodiment of the present invention, when the terminal is a vehicle-mounted terminal and the vehicle-mounted terminal includes a camera, the method further includes:
from the facial image of the user, facial features of the facial image are determined.
And step S304, encrypting or transforming the voiceprint characteristics.
In the embodiment of the invention, the voiceprint feature is encrypted or transformed by the security authentication application.
In the embodiment of the present invention, when the terminal is a vehicle-mounted terminal and the vehicle-mounted terminal includes a camera, the method further includes:
the face features are encrypted or transformed.
Step S305, constructing a voiceprint feature library according to the user identification of the user; the voiceprint feature library is used for correspondingly storing the user identification and the voiceprint features of the user.
In the embodiment of the invention, the voiceprint feature library is constructed through the security authentication application.
In the embodiment of the present invention, when the terminal is a vehicle-mounted terminal and the vehicle-mounted terminal includes a camera, the method further includes:
constructing a facial feature library according to the user identification of the user; the facial feature library is used for correspondingly storing the user identification and the facial features of the user.
In the embodiment of the invention, the voiceprint feature library construction method can construct the database based on the voiceprint features of the user and store the database to the local, so that the local voiceprint feature library can be directly obtained during authentication, the voiceprint features of the user can be obtained without interaction with a remote server, the user request can be responded in time, the smooth proceeding of transaction is ensured, the user experience can be promoted while the system resources are saved, the possible transaction interruption caused by network instability is prevented, and the safe and convenient authentication of the wireless offline transaction is realized; moreover, a local voiceprint feature library can be directly obtained during authentication, voiceprint features of a user do not need to be obtained through interaction with a remote server, leakage of sensitive information of the user is prevented, safety of the sensitive information of the user is improved, privacy of the user is protected, and satisfaction of the user is greatly improved.
Step S202, the authentication voice data is analyzed, and the authentication voiceprint characteristics of the authentication voice data are determined.
In the embodiment of the invention, the authentication voiceprint characteristic of the authentication voice data can be determined through the voice recognition module of the security authentication application.
Step S203, comparing the authentication voiceprint feature with the target voiceprint feature, determining a first comparison result of the authentication voiceprint feature and the target voiceprint feature, and turning to step S204 when the first comparison result is that the authentication voiceprint feature is the same as the target voiceprint feature; if the first comparison result is that the authentication voiceprint feature and the target voiceprint feature are different, the process goes to step S207.
Step S204, the authentication voice data is analyzed, and the data content of the authentication voice data is determined.
In the embodiment of the invention, the data content of the authentication voice data can be determined by the voice recognition module of the security authentication application; wherein the data content of the authentication voice data may be 6 digits.
Step S205, comparing the data content of the authentication voice data with the data content of the target authentication data, and if the data content of the authentication voice data is the same as the data content of the target authentication data, proceeding to step S206; if the data content of the authentication voice data and the data content of the target authentication data are different, the process goes to step S207.
Step S206, determining that the authentication result is authentication pass.
Step S207, determining that the authentication result is authentication failure.
In the embodiment of the invention, the authentication method for authenticating the voice data can determine the authentication result of the authentication voice data according to the local voiceprint feature library, and then respond to the transaction request of the user according to the authentication result, and does not need to interact with a remote server to obtain the voiceprint feature of the user, so that the safe and convenient authentication of the wireless and offline transaction can be realized; moreover, according to the local voiceprint feature library, the leakage of the user sensitive information can be prevented, the safety of the user sensitive information is improved, the privacy of the user is protected, and the satisfaction degree of the user is greatly improved.
And step S105, responding to the transaction request according to the transaction information and the digital currency in the digital currency wallet of the terminal under the condition that the authentication result is that the authentication is passed.
In an embodiment of the invention, in the event that the authentication result is authentication pass, the authentication result is sent to the digital money wallet by the secure authentication application, so that the digital money wallet generates digital money to be paid to respond to the transaction request in accordance with the digital money to be paid. Wherein the digital currency to be paid may be a digital RMB string to be paid.
Further, under the condition that the authentication result is authentication failure, the digital currency wallet refuses to generate digital currency to be paid, the refused payment result is sent to the business application through the digital currency service module, and after the business application receives the refused payment result, the business application confirms that the transaction is failed, and directly refuses the transaction request of the user.
In the embodiment of the invention, the security authentication application and the digital money wallet are arranged in the security unit, the security authentication application and the digital money wallet can communicate through the digital money service module, and the security authentication application sends the authentication result to the digital money wallet through the digital money service module; the safety unit can be an on-vehicle SE, a mobile phone with an SE safety element, an NFC-SIM card, a bank card and the like.
In the embodiment of the invention, the digital currency wallet sends the digital currency to be paid to the business application through the digital currency service module, and after receiving the digital currency, the business application confirms that the transaction is successful and responds to the transaction request of the user.
In an embodiment of the invention, the security authentication application may send the authentication result to the digital currency wallet by means of an interface.
In the embodiment of the invention, the security unit can further comprise a fingerprint authentication application, so that the digital currency wallet judges according to the authentication result of the fingerprint authentication application when the authentication result of the voiceprint authentication is confirmed to be successful, and finally generates the digital currency to be paid under the condition that the received authentication result of the fingerprint authentication application is also authenticated, thereby further enhancing the security of digital currency transaction.
When the digital currency transaction method is applied to the vehicle-mounted terminal, the local management and authentication of the voiceprint feature library are supported based on the computing power and the safe storage capacity of the intelligent vehicle cabin, the safe, efficient and convenient local voiceprint authentication service is provided for a user on the premise of reducing interaction with a remote server, the payment experience of the digital currency is optimized, the safety of user information can be ensured, and the user experience is greatly improved; direct communication between chip-level voiceprint authentication application and the digital currency wallet can be achieved, API calling of an operating system or a service layer level is reduced, information exposure risks are reduced, safety of digital currency transaction is further enhanced, and efficiency of digital currency transaction is improved.
In the embodiment of the invention, the transaction request is acquired; the transaction request indicates wake-up voice data and transaction information corresponding to a digital currency transaction; providing target authentication data corresponding to the digital currency transaction to the user according to the transaction request; receiving authentication voice data input by the user according to the target authentication data; authenticating the authentication voice data according to a locally preset voiceprint feature library; and under the condition that the authentication result is that the authentication is passed, responding to the transaction request according to the transaction information and the digital currency in the digital currency wallet of the terminal, and the like, so that the user information can be prevented from being leaked, the safety of the user information is ensured, the interaction with a remote server is not needed, the system resources are saved, the convenience of the transaction is improved, the user experience is improved, the user satisfaction is greatly improved, and the safe and convenient authentication of the wireless off-line transaction is realized.
Fig. 4 is a schematic diagram of main blocks of a digital money transaction apparatus according to an embodiment of the present invention, and as shown in fig. 4, the digital money transaction apparatus 400 of the present invention includes:
an obtaining module 401, configured to obtain a transaction request; the transaction request indicates wake-up voice data and transaction information corresponding to a digital currency transaction.
In the embodiment of the present invention, the digital money transaction method of the present invention is applied to the digital money transaction apparatus 400 of the terminal, and the transaction information may include a user identifier. The terminal of the invention can be a vehicle-mounted terminal.
In this embodiment of the present invention, the obtaining module 401 is configured to obtain a transaction request sent by a user through a service application.
A providing module 402 for providing target authentication data corresponding to a digital currency transaction to a user according to the transaction request.
In this embodiment of the present invention, after the digital currency application of the terminal receives the service request, the providing module 402 provides the target authentication data corresponding to the digital currency transaction to the user according to the transaction request. Wherein the target authentication data may be a 6-bit digital authentication code.
In this embodiment of the present invention, the providing module 402 may provide the target authentication data to the user by displaying the target authentication data on a display screen, or by playing the target authentication data through a speaker.
A receiving module 403, configured to receive authentication voice data input by the user according to the target authentication data.
In this embodiment of the present invention, through the receiving module 403, the digital currency application of the terminal receives the authentication voice data input by the user through the microphone according to the target authentication data, and sends the authentication voice data to the security authentication application of the terminal.
And the authentication module 404 is configured to authenticate the authentication voice data according to a locally preset voiceprint feature library.
In the embodiment of the present invention, through the authentication module 404, a local voiceprint feature library is stored in the security authentication application of the terminal, and through the security authentication application of the terminal, the voiceprint feature library is used to authenticate the authentication voice data; wherein the secure authentication application may be a SE voiceprint authentication application.
And a response module 405, configured to respond to the transaction request according to the transaction information and the digital money in the digital money wallet of the terminal if the authentication result is that the authentication is passed.
In the embodiment of the present invention, in the case that the authentication result is authentication pass, the authentication result is sent to the digital money wallet by the security authentication application, so that the digital money wallet generates digital money to be paid, so that the response module 405 responds to the transaction request according to the digital money to be paid. Wherein the digital currency to be paid may be a digital RMB string to be paid.
Further, in case that the authentication result is authentication failure, the response module 405 directly rejects the transaction request of the user.
In the embodiment of the invention, the user information can be prevented from being leaked through the modules such as the acquisition module, the providing module, the receiving module, the authentication module, the response module and the like, the safety of the user information is ensured, the interaction with a remote server is not needed, the system resource is saved, the transaction convenience is improved, the user experience is improved, the user satisfaction is greatly improved, and the safe and convenient authentication of the wireless offline transaction is realized.
Fig. 5 shows an exemplary system architecture diagram of a digital money transaction method or a digital money transaction apparatus to which an embodiment of the present invention is suitably applied, and as shown in fig. 5, the exemplary system architecture of the digital money transaction method or the digital money transaction apparatus of the embodiment of the present invention includes:
as shown in fig. 5, the system architecture 500 may include a business application 501, a digital currency application 502, a security unit 503, and a microphone 504. The network 504 serves to provide a medium for communication links between the terminal devices 501, 502, 503 and the server 505. The secure unit 503 may include a secure authentication application 5031, a digital money service module 5032, and a digital money wallet 5033.
The user may use the business application 501 to interact with the digital currency application 502 to receive or send messages, etc. The business application 501 may be various applications that may conduct digital currency transactions, such as shopping-like applications, web browser applications, search-like applications, instant messaging tools, mailbox clients, social platform software, and the like.
The system architecture 500 may be applied to a variety of electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop portable computers, desktop computers, and smart pods, among others.
The digital money application 502 may be an application that provides various digital money services, such as an application that provides support for shopping-like websites browsed by the user using the business application 501.
The user sends a transaction request to the digital currency application 502 through the business application 501;
after the digital currency application 502 obtains the transaction request, target authentication data corresponding to the digital currency transaction is provided for the user according to the transaction request;
the user inputs authentication voice data through the microphone 504;
the digital money application 502 receives authentication voice data input by the user according to the target authentication data, and transmits the authentication voice data to the security unit 503;
the security authentication application 5031 of the security unit 503 authenticates the authentication voice data according to a locally preset voiceprint feature library, and sends the authentication result to the digital money wallet 5033 through the digital money service module 5032;
in case that the authentication result is that the authentication is passed, the digital money wallet 5033 generates digital money to be paid and sends the digital money to be paid to the service application 501 through the digital money service module 5032, and after the service application 501 receives the digital money, the transaction success is confirmed and the transaction request of the user is responded;
in case that the authentication result is authentication failure, the digital money wallet 5033 rejects to generate the digital money to be paid, and sends the payment rejection result to the business application 501 through the digital money service module 5032, and after the business application 501 receives the payment rejection result, the transaction failure is confirmed, and the transaction request of the user is directly rejected.
It should be noted that the authentication method for authenticating voice data provided by the embodiment of the present invention is generally executed by the security unit 503.
It should be understood that the number of business applications, digital currency applications, security units and microphones in fig. 5 are merely illustrative. There may be any number of business applications, digital currency applications, security units and microphones, as desired for the implementation.
Fig. 6 is a schematic structural diagram of a computer system suitable for implementing the terminal device or the server according to the embodiment of the present invention, and as shown in fig. 6, the computer system 600 of the terminal device or the server according to the embodiment of the present invention includes:
a Central Processing Unit (CPU)601, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)602 or a program loaded from a storage section 608 into a Random Access Memory (RAM) 603. In the RAM603, various programs and data necessary for the operation of the system 600 are also stored. The CPU601, ROM602, and RAM603 are connected to each other via a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.
The following components are connected to the I/O interface 605: an input portion 606 including a keyboard, a mouse, and the like; an output portion 607 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The driver 610 is also connected to the I/O interface 605 as needed. A removable medium 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 610 as necessary, so that a computer program read out therefrom is mounted in the storage section 608 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 609, and/or installed from the removable medium 611. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 601.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor includes an acquisition module, a provisioning module, a receiving module, an authentication module, and a response module. The names of these modules do not constitute a limitation to the module itself in some cases, and for example, the authentication module may be further described as a "module for authenticating authentication voice data according to a locally preset voiceprint feature library".
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise: acquiring a transaction request; the transaction request indicates wake-up voice data and transaction information corresponding to a digital currency transaction; providing target authentication data corresponding to the digital currency transaction to the user according to the transaction request; receiving authentication voice data input by the user according to the target authentication data; authenticating the authentication voice data according to a locally preset voiceprint feature library; and responding to the transaction request according to the transaction information and the digital currency in the digital currency wallet of the terminal under the condition that the authentication result is authentication pass.
According to the technical scheme of the embodiment of the invention, the user information can be prevented from being leaked, the safety of the user information is ensured, the interaction with a remote server is not needed, the system resource is saved, the transaction convenience is improved, the user experience is improved, the user satisfaction is greatly improved, and the safe and convenient authentication of the wireless off-line transaction is realized.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A digital money transaction method, applied to a terminal, comprising:
acquiring a transaction request; the transaction request indicates wake-up voice data and transaction information corresponding to a digital currency transaction;
providing target authentication data corresponding to the digital currency transaction to the user according to the transaction request;
receiving authentication voice data input by the user according to the target authentication data;
authenticating the authentication voice data according to a locally preset voiceprint feature library;
and responding to the transaction request according to the transaction information and the digital currency in the digital currency wallet of the terminal under the condition that the authentication result is authentication pass.
2. The method of claim 1,
authenticating the authentication voice data by using the voiceprint feature library through the security authentication application of the terminal;
in the event that authentication passes, sending the authentication result to the digital currency wallet by the secure authentication application, causing the digital currency wallet to generate digital currency to be paid for in response to the transaction request in accordance with the digital currency to be paid for.
3. The method of claim 2,
the security authentication application and the digital currency wallet are disposed in a security unit;
the secure authentication application and the digital currency wallet communicate through a digital currency service module.
4. The method of claim 1, wherein the transaction information includes a user identification; before obtaining the transaction request, the method further comprises the following steps:
collecting the input voice data of the user;
determining the voiceprint characteristics of the input voice data;
constructing a voiceprint feature library according to the user identification of the user; wherein, the voiceprint feature library is used for correspondingly storing the user identification and the voiceprint features.
5. The method according to claim 4, wherein the authenticating the authentication voice data according to a locally preset voiceprint feature library comprises:
determining a target voiceprint feature corresponding to the user identification according to the voiceprint feature library;
determining authentication voiceprint characteristics of the authentication voice data;
and comparing the authentication voiceprint characteristics with the target voiceprint characteristics.
6. The method of claim 5, further comprising:
and comparing the authentication voice data with the target authentication data under the condition that the authentication voiceprint characteristics are the same as the target voiceprint characteristics.
7. The method according to claims 1 to 6,
the terminal is a vehicle-mounted terminal.
8. A digital money transaction apparatus, comprising:
the acquisition module is used for acquiring a transaction request; the transaction request indicates wake-up voice data and transaction information corresponding to a digital currency transaction;
a providing module for providing target authentication data corresponding to the digital currency transaction to the user according to the transaction request;
the receiving module is used for receiving authentication voice data input by the user according to the target authentication data;
the authentication module is used for authenticating the authentication voice data according to a locally preset voiceprint feature library;
and the response module is used for responding to the transaction request according to the transaction information and the digital currency in the digital currency wallet of the terminal under the condition that the authentication result is that the authentication is passed.
9. An electronic device for digital currency transactions, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-7.
10. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-7.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111254086.7A CN114186993A (en) | 2021-10-27 | 2021-10-27 | A digital currency transaction method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111254086.7A CN114186993A (en) | 2021-10-27 | 2021-10-27 | A digital currency transaction method and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN114186993A true CN114186993A (en) | 2022-03-15 |
Family
ID=80601583
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202111254086.7A Pending CN114186993A (en) | 2021-10-27 | 2021-10-27 | A digital currency transaction method and device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN114186993A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114757772A (en) * | 2022-03-28 | 2022-07-15 | 深圳市证通金信科技有限公司 | Control method of intelligent broadcasting device, intelligent broadcasting device and storage medium |
| CN115829577A (en) * | 2022-11-16 | 2023-03-21 | 捷德(中国)科技有限公司 | Authentication method, apparatus, system, medium, and program product |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105894283A (en) * | 2015-01-26 | 2016-08-24 | 中兴通讯股份有限公司 | Mobile payment method and device based on voice control |
| CN111371836A (en) * | 2016-09-20 | 2020-07-03 | 徐蔚 | Verification method and device for secure payment of digital currency and mobile terminal |
| CN111861431A (en) * | 2020-06-08 | 2020-10-30 | 西安艾润物联网技术服务有限责任公司 | Digital currency payment method and system |
| CN112085506A (en) * | 2020-09-09 | 2020-12-15 | 珠海优特物联科技有限公司 | Transaction method and device, terminal and readable storage medium |
-
2021
- 2021-10-27 CN CN202111254086.7A patent/CN114186993A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105894283A (en) * | 2015-01-26 | 2016-08-24 | 中兴通讯股份有限公司 | Mobile payment method and device based on voice control |
| CN111371836A (en) * | 2016-09-20 | 2020-07-03 | 徐蔚 | Verification method and device for secure payment of digital currency and mobile terminal |
| CN111861431A (en) * | 2020-06-08 | 2020-10-30 | 西安艾润物联网技术服务有限责任公司 | Digital currency payment method and system |
| CN112085506A (en) * | 2020-09-09 | 2020-12-15 | 珠海优特物联科技有限公司 | Transaction method and device, terminal and readable storage medium |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114757772A (en) * | 2022-03-28 | 2022-07-15 | 深圳市证通金信科技有限公司 | Control method of intelligent broadcasting device, intelligent broadcasting device and storage medium |
| CN115829577A (en) * | 2022-11-16 | 2023-03-21 | 捷德(中国)科技有限公司 | Authentication method, apparatus, system, medium, and program product |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US12355750B2 (en) | Utilizing federated user identifiers to enable secure information sharing | |
| JP6979966B2 (en) | Account linking and service processing Providing methods and devices | |
| US11184355B2 (en) | Preventing unauthorized access to secured information systems using authentication tokens and multi-device authentication prompts | |
| CN104657857B (en) | Method, related device and system for realizing payment | |
| CN111160845A (en) | Service processing method and device | |
| CN101770669A (en) | Bank automatic warning system and method thereof | |
| CN113572763B (en) | Data processing method and device, electronic equipment and storage medium | |
| US20220129903A1 (en) | System and method for authentication and fraud detection based on iot enabled devices | |
| US20220164789A1 (en) | Location based wallets | |
| EP4421718A1 (en) | Method and device for verifying abnormal digital currency transaction | |
| CN114268461B (en) | User identity authentication method, device, server, terminal and storage medium | |
| CN111341039B (en) | Card-retaining processing method and system, client and server | |
| US11763547B2 (en) | Monitoring devices at enterprise locations using machine-learning models to protect enterprise-managed information and resources | |
| CN114186993A (en) | A digital currency transaction method and device | |
| CN111552942A (en) | Identity authentication method, system, device and computer storage medium | |
| CN117408700A (en) | Face brushing payment method and device, face brushing equipment and server | |
| WO2023143566A1 (en) | Digital currency transaction method and system and digital currency card application apparatus | |
| CN115396178B (en) | User distributed authentication method, device, electronic equipment and storage medium | |
| CN115038062A (en) | A Bluetooth authentication method, device and device | |
| CN110796021B (en) | Identity authentication method and device applied to self-service equipment | |
| CN106161365B (en) | Data processing method and device and terminal | |
| CN109543398B (en) | Application program account migration method and device and electronic equipment | |
| CN112270424A (en) | Order processing method and device, electronic equipment and storage medium | |
| CN115550352B (en) | Remotely assisted business handling method, system, electronic device and storage medium | |
| CN115225363B (en) | Edge capability opening method and device, storage medium and electronic equipment |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |