CN107977839A - A kind of voice guide method of payment, mobile terminal and the device with store function - Google Patents
A kind of voice guide method of payment, mobile terminal and the device with store function Download PDFInfo
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- CN107977839A CN107977839A CN201710945919.1A CN201710945919A CN107977839A CN 107977839 A CN107977839 A CN 107977839A CN 201710945919 A CN201710945919 A CN 201710945919A CN 107977839 A CN107977839 A CN 107977839A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/407—Cancellation of a transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/018—Certifying business or products
- G06Q30/0185—Product, service or business identity fraud
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Abstract
The invention discloses a kind of voice guide method of payment, including：Obtain Quick Response Code；Identify Quick Response Code；2 D code information is generated into the first voice messaging, and plays the first voice messaging；Obtain the first instruction；Voice guide user sends the second confirmation command first and instructs；The second instruction is obtained, completes to pay.Above technical scheme can inform that the crowd of vision disorder confirms pertinent transaction information with paying relevant information, and by voice guide user by way of speech play, be finally completed payment.The present invention also provides a kind of communication terminal, including：Processor, camera, man-machine circuit, processor couple man-machine circuit, processor at work execute instruction to realize the process described above.The present invention also provides a kind of device of the data that have program stored therein with store function, which, which is performed, realizes the process described above.
Description
Technical field
The present invention relates to barcode scanning payment technical field, more particularly to a kind of voice guide method of payment, mobile terminal and has
The device of store function.
Background technology
Increasingly frequent with the use of mobile payment, barcode scanning is paid, main composition portion of the near field payment as mobile payment
Divide and have become the most commonly used means of payment, but for there is the crowd of vision disorder to pay in cash toward contact in use,
Due to there is vision disorder, payment information can not be learned by eyesight, ensure the accuracy of transaction, this causes the people for having vision disorder
Group possesses many inconvenience in mobile payment is increasingly frequently lived so that has the effect of the Working Life of the crowd of vision disorder
Rate is affected.The age quickly popularized in mobile payment as can be seen here, in the market are badly in need of to have supported vision disorder crowd
Using and the high method of mobile payment and product of security.
The content of the invention
The present invention solves the technical problem of a kind of, there is provided voice guide method of payment, mobile terminal and with depositing
The device of function is stored up, can solve the problems, such as that vision disorder crowd inconvenience is completed to merchandise by existing mobile payment.
In order to solve the above technical problems, the technical solution adopted by the present invention is：There is provided it is a kind of using voice guide pay
Method of payment, comprises the following steps；
Obtain Quick Response Code；
Identify the Quick Response Code；
The 2 D code information is generated into the first voice messaging, and plays first voice messaging；
Obtain the first instruction；
Voice guide user sends the first instruction described in the second confirmation command；
Second instruction is obtained, completes to pay.
In order to solve the above technical problems, another technical solution used in the present invention is：A kind of mobile terminal is provided, including
Processor, camera, man-machine circuit, the processor couple the man-machine circuit, processor execute instruction at work
To realize the process described above.
In order to solve the above technical problems, another technical solution used in the present invention is：There is provided one kind has store function
Device, have program stored therein data, and described program data, which are performed, realizes the process described above.
The beneficial effect of above technical scheme is：It is different from the situation of the prior art, the side that the present invention passes through speech play
Formula informs that vision disorder crowd confirms pertinent transaction information with paying relevant information, and by voice guide user, final complete
Into payment.The application can solve the problems, such as that vision disorder crowd inconvenience is completed to merchandise by mobile payment, to there is eyesight barrier
The crowd hindered provides more convenient, the safe means of payment.
Brief description of the drawings
Fig. 1 is the flow diagram of an embodiment of voice guide method of payment of the present invention；
Fig. 2 is the structure diagram of one embodiment of mobile terminal of the present invention；
Fig. 3 is the structure diagram of the device with store function in one embodiment of the invention.
Embodiment
Hereinafter, it will be described with reference to the accompanying drawings the exemplary embodiment of the application.For clear and brief purpose, no
Function known to detailed description and construction, this is because the known function and construction can make the application in unnecessary details
On fog.The term described below being limited in view of the function in the application can be according to the intention of user and operator
Or implement and it is different.Therefore, it should the term is limited on the basis of disclosed in entire disclosure.
Referring to Fig. 1, the flow diagram of the first embodiment mode for voice guide method of payment of the present invention.This method
Including：
S10：Obtain Quick Response Code.
Alternatively, Quick Response Code is obtained by the camera of terminal device, can also be pre-stored by transferring terminal device
Quick Response Code obtains.
S20：Identify Quick Response Code.
Alternatively, identification Quick Response Code specifically refers to the information of identification Quick Response Code storage.The information of Quick Response Code storage is specific
Can be account, title of beneficiary of beneficiary etc., and the information that Quick Response Code is stored generates the information of text.
S30：2 D code information is generated into the first voice messaging, and plays the first voice messaging.
Alternatively, the text message of the 2 D code information identified in step S20 is generated into the first voice messaging, and passes through end
The microphone of end equipment plays out, and informs the essential information of user's beneficiary and includes title, account etc..
S40：Obtain the first instruction.
Alternatively, the first instruction is obtained, is specially further to obtain the first instruction that user sends, and identify the first instruction
Particular content.Wherein first instruction can be phonetic order and text instruction, you can input in the form of by voice, also may be used
Inputted in a manner of by text input.
In one embodiment, the first instruction can be specifically the amount of money paid.Wherein, the species of the digital currency of payment
(such as RMB, dollar) can also be exchanged according to the locale at place according to the exchange rate between real-time currency
Calculate, be not described in detail herein.
In another embodiment, the first instruction can also be the instruction for terminating to pay.For example, paid when user determines to cancel
When, the instruction for terminating to pay can be correspondingly sent, such as voice of transmission " cancel and paying " or other expression meanings are to take
Disappear the correlated expression of transaction.It is to be appreciated that the content of corresponding instruction can be adjusted and set with requirement as needed.
S50：Voice guide user sends the second confirmation command first and instructs.
Alternatively, voice guide user sends the second confirmation command first and instructs, in particular to when user's hair in step S40
The first instruction sent is when being payment, the payment that is sent in identification user and then it is secondary in the form of speech with user
Confirm, if the fund for confirming to pay the amount of money to beneficiary, and by the form of voice guide user send second instruct into
Row confirms the content of the first instruction.The step for improve the security of payment, and to there is the crowd of vision disorder to provide just
It is prompt.And for example, the first instruction is when Cancelling Transaction, to be confirmed whether to Cancel Transaction with user by voice, and guide user to adopt
Confirmed with voice or other modes.
In one embodiment, the second instruction that user sends can be used to confirm that the first instruction or negative first
Instruction.It is to be appreciated that when the second instruction that user sends is to be used to confirm the first instruction, payment continues, and performs step
Rapid S50.And when the second instruction that user sends is to be used for the instruction of negative first, pause is paid, and inquire that user is to tie immediately
Above-mentioned steps S40 is paid or returned to bundle branch, sends the first new instruction again.
S60：The second instruction is obtained, completes to pay.
Alternatively, step S60 is used for the content for obtaining the second instruction.It is understood that second when user's transmission refers to
Order is when being used to confirm the first instruction, sends payment instruction to transaction terminal, completes payment process.
Alternatively, include whether the instruction of verification second is that user sends after above-mentioned steps S60, if verification is user
I, then send payment instruction and to transaction terminal and complete to pay.
In one embodiment, whether the instruction of verification second is that user sends can specifically be sent according to user second
Instruction judges with the second instruction comparison information comparison result stored in advance.Second instruction is compared with the second instruction stored in advance
Information matches success, then can determine that and sent for user, otherwise can determine that it is not that user sends the second instruction, select
Terminate to pay or request sends the second instruction again, re-start the identity of verification user.
In one embodiment, the second instruction is finger print information set in advance.I.e. when equipment initializes, user sets in advance
The finger print information put.
In another embodiment, the second instruction is user's text message set in advance, and text message is that user is advance
The numerical ciphers of setting or the text password of other forms.
In another embodiment, the second instruction can be the voiceprint that user stores in advance, including the sound of user
The voice that color tone etc. or user store in advance, such as can be the voice content that user prestores.
In another embodiment, the second instruction is the pre-set face feature information of user.I.e. when equipment initializes,
The face feature information of user setting.
Arrangement above, which can play, verifies whether the people for sending the second instruction is user, avoids being used by other staff
And merchandise.
The method paid by above-mentioned voice guide, the user for having vision disorder can learn phase by the voice of guiding
Payment information is closed, to there is the crowd of vision disorder to provide more convenient and higher security method of mobile payment.
Alternatively, further included in above-mentioned voice guide method of payment the step of S10 and obtain trading environment image, and by described in
Trading environment image is preserved to user high in the clouds.Specific trading environment image refers to user when transaction, terminal taking
Picture, such as the environment around the sales counter in a shop.After Quick Response Code step is obtained, trading environment can be also obtained, into
One step provides safeguard for secure payment, and the image of the trading environment of acquisition is uploaded to user high in the clouds.The mistake such as paid in user
Occur some abnormal phenomenon in journey, for example, the situation trading environment image of cheated either maloperation easy to user household or
The police find transaction scene.
In one embodiment, the operation that trading environment image can be user's instruction is obtained, can also be set by advance
Putting closing, this is operated.Detailed repeat is not done herein.
Alternatively, further included after identifying the step of Quick Response Code：Verify the legitimacy of merchant identity corresponding to Quick Response Code.
In one embodiment, in the legitimacy for the identity for verifying the businessman corresponding to Quick Response Code, when can not be on network
The relevant information or the businessman for searching beneficiary did not do backup in Taobao's platform and prompted businessman illegal,
After prompting, user can select to trust beneficiary, continue to pay, and can also select to distrust beneficiary, terminate to pay.Herein
It can be configured according to the wish of user, be not described in detail herein.
Alternatively, step S40 is further included after obtaining the first instruction：Whether the instruction of verification first is that user sends.
It is to be appreciated that, according to the feature of the user speech prestored, phonetic order is verified when the first instruction is phonetic order
Whether sent by user.
In one embodiment, after the first instruction that user sends is obtained, by the voice of acquisition and the use prestored
The voice messaging at family is compared.If acquired voice is that same voice is believed with the user speech information that user prestores
Breath, then be determined as the first instruction that user sends.Conversely, then judge be not user send first instruction, then can
Exit payment.
Alternatively, the first instruction includes phonetic order or literal order.
In one embodiment, user, which can set, only receives the first instruction as phonetic order or only receives literal order.
In another embodiment, the first instruction can be set either phonetic order can also be literal order, can be with
According to the needs of user set and can change the first instruction as phonetic order or literal order.
Alternatively, the second instruction includes the finger print information, voiceprint or face feature information of user, and can basis
Need to be adjusted setting.Elaborate above, details are not described herein.
It is one example structure schematic diagram of mobile terminal of the present invention refering to Fig. 2.In the present embodiment, which is upper
The mobile terminal 10 in embodiment is stated, which includes processor 12, camera 14, man-machine circuit 16.Specifically, processing
Device 12 couples man-machine circuit 16, processor 12 at work execute instruction to realize such as the described method of above-described embodiment.
In one embodiment, mobile terminal 10 for mobile phone, possess communication and network savvy tablet computer or possess communication and
The wearable device of network savvy, but not limited to this.
In another embodiment, the device that terminal device 10 pays for support NFC.
Alternatively, camera 14 is 180 ° of full-view cameras.
In one embodiment, the camera 14 of mobile terminal is 180 ° of mobile full-view cameras, and camera 14 can be realized
180 ° of field range, for the acquisition Quick Response Code or trading pattern picture in the above method.
In another embodiment, the camera of mobile terminal is common front/rear camera.
Referring to Fig. 3, the present invention also provides a kind of device 20 with store function, have program stored therein data, the program number
The described method of embodiment of above is realized according to being performed.Specifically, the above-mentioned device 20 with store function can be
Memory, personal computer, server, the network equipment of terminal device, or the one kind therein such as USB flash disk.
Above scheme, by obtaining Quick Response Code, the text message that identification Quick Response Code is stored, and the Quick Response Code that will identify that
Text message generate the first voice messaging, play the first voice messaging by way of voice, inquire user's payment, use
Family can input payment with the mode of voice or the mode of text input, after identifying the amount of money input by user, inquire again
Whether user, which confirms, pays, and voice guide user's operation flow, and user sends the second confirmation command first and instructs, and the of acquisition
Two instructions, confirm that user identity is true, then send payment instruction to transaction terminal, complete to pay.Paid in above-mentioned voice guide
During method, realize during payment transaction, user can learn payment information by way of voice, to regard
The crowd of power obstacle provides more convenient and higher security method of mobile payment and product.
The foregoing is merely embodiments of the present invention, are not intended to limit the scope of the invention, every to utilize this
The equivalent structure or equivalent flow shift that description of the invention and accompanying drawing content are made, it is relevant to be directly or indirectly used in other
Technical field, is included within the scope of the present invention.
Claims (10)
1. a kind of voice guide method of payment, it is characterised in that comprise the following steps:
Obtain Quick Response Code；
Identify the Quick Response Code；
The 2 D code information is generated into the first voice messaging, and plays first voice messaging；
Obtain the first instruction；
Voice guide user sends the first instruction described in the second confirmation command；
Second instruction is obtained, completes to pay.
2. voice guide method of payment according to claim 1, it is characterised in that further include and obtain trading environment image,
And the trading environment image is preserved to user high in the clouds.
3. voice guide method of payment according to claim 1, it is characterised in that described the step of identifying the Quick Response Code
Further include afterwards：Verify the legitimacy of the Quick Response Code corresponding merchant identity.
4. voice guide method of payment according to claim 1, it is characterised in that it is described obtain first instruction the step of it
After further include：Verify whether first instruction is that user sends.
5. voice guide method of payment according to claim 1, it is characterised in that first instruction includes phonetic order
Or literal order.
6. voice guide method of payment according to claim 1, it is characterised in that second instruction includes the finger of user
Line information, text message, voiceprint or face feature information.
7. voice guide method of payment according to claim 1, it is characterised in that the step for obtaining second instruction
Include verifying whether second instruction is that user sends after rapid, if then sending payment instruction to transaction terminal and complete
Into payment.
A kind of 8. mobile terminal, it is characterised in that including
Processor, camera, man-machine circuit, the processor couple the man-machine circuit, and the processor performs at work
Instruct to realize such as claim 1-7 any one of them methods.
9. mobile terminal according to claim 8, it is characterised in that the camera is 180 ° of mobile full-view cameras.
10. a kind of device with store function, it is characterised in that have program stored therein data, and described program data are performed
Realize such as claim 1-7 any one of them methods.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710945919.1A CN107977839A (en) | 2017-10-10 | 2017-10-10 | A kind of voice guide method of payment, mobile terminal and the device with store function |
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| CN201710945919.1A CN107977839A (en) | 2017-10-10 | 2017-10-10 | A kind of voice guide method of payment, mobile terminal and the device with store function |
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Cited By (9)
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| CN109035431A (en) * | 2018-06-13 | 2018-12-18 | 西安艾润物联网技术服务有限责任公司 | Vehicle payment method, system and computer readable storage medium |
| CN109377202A (en) * | 2018-08-01 | 2019-02-22 | 阿里巴巴集团控股有限公司 | A kind of payment processing method and device |
| CN109636398A (en) * | 2018-11-19 | 2019-04-16 | 阿里巴巴集团控股有限公司 | Pay householder method, device and system |
| CN110400137A (en) * | 2019-04-03 | 2019-11-01 | 泰州市海陵区一马商务信息咨询有限公司 | Exempt from close payment verifying system |
| CN110544085A (en) * | 2018-05-29 | 2019-12-06 | 北京意锐新创科技有限公司 | Voice-based payment method and device |
| CN111899442A (en) * | 2020-08-17 | 2020-11-06 | 中国银行股份有限公司 | Method and device for blind self-service handling of banking business |
| CN113023094A (en) * | 2021-02-05 | 2021-06-25 | 孙安谱 | Multilayer password intelligent sound control anti-disclosure packaging technology |
| CN113095902A (en) * | 2021-03-11 | 2021-07-09 | 北京联创新天科技有限公司 | Electronic commerce order management system |
| CN113554424A (en) * | 2021-07-26 | 2021-10-26 | 中国工商银行股份有限公司 | Voice payment method, device, electronic equipment, storage medium and program product |
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| CN113023094A (en) * | 2021-02-05 | 2021-06-25 | 孙安谱 | Multilayer password intelligent sound control anti-disclosure packaging technology |
| CN113095902A (en) * | 2021-03-11 | 2021-07-09 | 北京联创新天科技有限公司 | Electronic commerce order management system |
| CN113554424A (en) * | 2021-07-26 | 2021-10-26 | 中国工商银行股份有限公司 | Voice payment method, device, electronic equipment, storage medium and program product |
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