CN115115376A

Movatterモバイル変換

Info

Publication number: CN115115376A
Application number: CN202210737064.4A
Authority: CN
Inventors: 黄星霖
Original assignee: Ping An Bank Co Ltd
Current assignee: Ping An Bank Co Ltd
Priority date: 2022-06-27
Filing date: 2022-06-27
Publication date: 2022-09-27

Abstract

Translated fromChinese

本申请提供了一种基于人脸和语音双重识别的转账方法。所述方法包括：第一用户的客户端获取第二用户的生物特征数据；第一用户的客户端发送生物特征数据至服务器端，以便服务端根据生物特征数据确定第二用户的身份信息；第一用户的客户端接收和显示服务端返回的第二用户的账户信息；第一用户的客户端接收第一用户输入的识别字段和转账金额，识别字段由服务器端发送至第二客户端，并由第二用户告知第一用户；第一用户的客户端接收第一用户输入的确认指令；第一用户的客户端响应第一用户输入的确认指令根据账户信息、转账金额生成相应的转账请求；第一用户的客户端将转账请求发送给服务器进行转账处理。本申请降低了转账出错率，提高了转账效率。

This application provides a transfer method based on double recognition of face and voice. The method includes: the client of the first user obtains the biometric data of the second user; the client of the first user sends the biometric data to the server, so that the server determines the identity information of the second user according to the biometric data; The client of a user receives and displays the account information of the second user returned by the server; the client of the first user receives the identification field and the transfer amount input by the first user, the identification field is sent by the server to the second client, and The second user informs the first user; the client of the first user receives the confirmation instruction input by the first user; the client of the first user generates a corresponding transfer request according to the account information and the transfer amount in response to the confirmation instruction input by the first user; The client of the first user sends the transfer request to the server for transfer processing. The application reduces the transfer error rate and improves the transfer efficiency.

Description

Translated fromChinese

基于人脸和语音双重识别的转账方法、装置及系统Transfer method, device and system based on double recognition of face and voice

技术领域technical field

本发明涉及信息技术领域，尤其涉及一种基于人脸和语音双重识别的转账方法、装置及系统。The invention relates to the field of information technology, and in particular, to a transfer method, device and system based on double recognition of human face and voice.

背景技术Background technique

目前通过银行卡转账需要对方的银行账号、身份信息等，在对方忘记卡号或将卡号填写错误时，转账过程将难以进行，还可能给双方带来经济损失。Currently, bank card transfers require the other party's bank account number, identity information, etc. When the other party forgets the card number or fills in the wrong card number, the transfer process will be difficult and may bring economic losses to both parties.

发明内容SUMMARY OF THE INVENTION

本申请提供了一种基于人脸和语音双重识别的转账方法、一种基于人脸和语音双重识别的转账装置及一种基于人脸和语音双重识别的转账系统，降低了转账出错率，提高了转账效率和用户体验。The present application provides a transfer method based on double recognition of face and voice, a transfer device based on double recognition of face and voice, and a transfer system based on double recognition of face and voice, which reduces the transfer error rate and improves the The transfer efficiency and user experience are improved.

第一方面，本申请实施例提供一种基于人脸和语音双重识别的转账方法，用于第一用户和第二用户面对当面进行转账，所述基于人脸和语音双重识别的转账方法包括：第一用户的客户端获取第二用户的生物特征数据；所述第一用户的客户端发送所述生物特征数据至服务器端，以便服务端根据所述生物特征数据确定第二用户的身份信息；所述第一用户的客户端接收和显示所述服务端返回的第二用户的账户信息；所述第一用户的客户端接收第一用户输入的识别字段和转账金额，所述识别字段由服务器端发送至第二客户端，并由第二用户告知第一用户；所述第一用户的客户端接收第一用户输入的确认指令；所述第一用户的客户端响应所述第一用户输入的确认指令根据所述账户信息、转账金额生成相应的转账请求；所述第一用户的客户端将所述转账请求发送给所述服务器进行转账处理。In the first aspect, the embodiment of the present application provides a transfer method based on double recognition of face and voice, for the first user and the second user to transfer money face to face, and the transfer method based on double recognition of face and voice includes: : the client of the first user obtains the biometric data of the second user; the client of the first user sends the biometric data to the server, so that the server can determine the identity information of the second user according to the biometric data ; The client of the first user receives and displays the account information of the second user returned by the server; The client of the first user receives the identification field and the transfer amount input by the first user, and the identification field consists of The server sends the message to the second client, and the second user informs the first user; the first user's client receives the confirmation instruction input by the first user; the first user's client responds to the first user The input confirmation instruction generates a corresponding transfer request according to the account information and the transfer amount; the client of the first user sends the transfer request to the server for transfer processing.

第二方面，本申请实施例还提供一种转账装置，用于第一用户和第二用户面对面进行转账，其特征在于，所述装置包括：In a second aspect, an embodiment of the present application also provides a transfer device for face-to-face transfer between a first user and a second user, wherein the device includes:

获取模块，获取第二用户的生物特征数据；an acquisition module to acquire the biometric data of the second user;

发送模块，发送所述生物特征数据至服务器端，以便服务端根据所述生物特征数据确定第二用户的身份信息；a sending module, sending the biometric data to the server, so that the server determines the identity information of the second user according to the biometric data;

接收模块，接收所述服务端返回的第二用户的账户信息、第一用户输入的识别字段、第一用户输入的转账金额和第一用户输入的确认指令；a receiving module, receiving the account information of the second user returned by the server, the identification field input by the first user, the transfer amount input by the first user and the confirmation instruction input by the first user;

显示模块，显示所述服务端返回的第二用户的账户信息；a display module, displaying the account information of the second user returned by the server;

生成模块，响应所述第一用户输入的确认指令根据所述账户信息、转账金额生成相应的转账请求并将所述转账请求发送给所述服务器进行转账处理。The generating module generates a corresponding transfer request according to the account information and the transfer amount in response to the confirmation instruction input by the first user, and sends the transfer request to the server for transfer processing.

第三方面，本申请实施例提供了一种基于人脸和语音双重识别的转账系统，其特征在于，所述系统包括：In a third aspect, an embodiment of the present application provides a transfer system based on dual recognition of face and voice, wherein the system includes:

第一用户的客户端，用于识别收款人并向服务器发送转账请求；The client of the first user, used to identify the payee and send a transfer request to the server;

第二用户的客户端；the client of the second user;

服务器，用于处理转账请求，所述服务器包括：A server for processing transfer requests, the server includes:

存储器，用于存储计算机程序指令；memory for storing computer program instructions;

处理器，用于执行计算机程序指令以实现如权利要求1至8中任意一项所述的基于人脸和语音双重识别的转账方法。A processor for executing computer program instructions to implement the method for transferring money based on double recognition of human face and voice as described in any one of claims 1 to 8.

上述基于人脸和语音双重识别的转账方法，通过人脸和语音地双重识别，降低了身份识别的出错率。加入了面对面短信验证的方式，降低了转账出错率，提高了转账效率和用户体验。The above-mentioned transfer method based on double recognition of face and voice reduces the error rate of identity recognition through double recognition of face and voice. The face-to-face SMS verification method is added, which reduces the transfer error rate and improves the transfer efficiency and user experience.

附图说明Description of drawings

为了更清楚地说明本申请实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本申请的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图示出的结构获得其他的附图。In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the following briefly introduces the accompanying drawings required for the description of the embodiments or the prior art. Obviously, the drawings in the following description are only These are some embodiments of the present application. For those of ordinary skill in the art, other drawings can also be obtained according to the structures shown in these drawings without any creative effort.

图1为本申请实施例提供的基于人脸和语音双重识别的转账方法的流程图Fig. 1 is a flow chart of a transfer method based on double recognition of face and voice provided by an embodiment of the present application

图2为本发明实施例提供的第一客户端显示的转账页面的示意图。FIG. 2 is a schematic diagram of a transfer page displayed by a first client terminal according to an embodiment of the present invention.

图3为本申请实施例提供的的一种基于人脸和语音双重识别的转账装置的结构示意图。FIG. 3 is a schematic structural diagram of a transfer device based on dual recognition of face and voice provided by an embodiment of the present application.

图4为本申请实施例提供的基于人脸和语音双重识别的方法架构示意图。FIG. 4 is a schematic structural diagram of a method based on dual recognition of face and speech provided by an embodiment of the present application.

图5为本申请实施例提供的基于人脸和语音双重识别的方法计算机设备内部结构示意图。FIG. 5 is a schematic diagram of the internal structure of a computer device based on a method for dual recognition of face and voice provided by an embodiment of the present application.

本申请目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。The realization, functional characteristics and advantages of the purpose of the present application will be further described with reference to the accompanying drawings in conjunction with the embodiments.

具体实施方式Detailed ways

为了使本申请的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。应当理解，此处所描述的具体实施例仅用以解释本申请，并不用于限定本申请。基于本申请中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本申请保护的范围。In order to make the purpose, technical solutions and advantages of the present application more clearly understood, the present application will be described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application, but not to limit the present application. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present application.

本申请的说明书和权利要求书及上述附图中的术语“第一”、“第二”、“第三”、“第四”等(如果存在)是用于区别类似的规划对象，而不必用于描述特定的顺序或先后次序。应该理解这样使用的数据在适当情况下可以互换，换句话说，描述的实施例根据除了这里图示或描述的内容以外的顺序实施。此外，术语“包括”和“具有”以及他们的任何变形，还可以包含其他内容，例如，包含了一系列步骤或单元的过程、方法、系统、产品或设备不必限于只清楚地列出的那些步骤或单元，而是可包括没有清楚地列出的或对于这些过程、方法、产品或设备固有的其它步骤或单元。The terms "first", "second", "third", "fourth", etc. (if any) in the description and claims of the present application and the above-mentioned drawings are used to distinguish similar planning objects and do not necessarily Used to describe a specific order or sequence. It is to be understood that the data so used are interchangeable under appropriate circumstances, in other words, the described embodiments are implemented in accordance with sequences other than those illustrated or described herein. Furthermore, the terms "comprising" and "having" and any variations thereof may also encompass other content, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to only those expressly listed steps or units, but may include other steps or units not expressly listed or inherent to these processes, methods, products or devices.

需要说明的是，在本申请中涉及“第一”、“第二”等的描述仅用于描述目的，而不能理解为指示或暗示其相对重要性或者隐含指明所指示的技术特征的数量。由此，限定有“第一”、“第二”的特征可以明示或者隐含地包括一个或者多个该特征。另外，各个实施例之间的技术方案可以相互结合，但是必须是以本领域普通技术人员能够实现为基础，当技术方案的结合出现相互矛盾或无法实现时应当认为这种技术方案的结合不存在，也不在本申请要求的保护范围之内。It should be noted that the descriptions involving "first", "second", etc. in this application are only for the purpose of description, and should not be construed as indicating or implying their relative importance or implying the number of indicated technical features . Thus, a feature defined as "first" or "second" may expressly or implicitly include one or more of that feature. In addition, the technical solutions between the various embodiments can be combined with each other, but must be based on the realization by those of ordinary skill in the art. When the combination of technical solutions is contradictory or cannot be realized, it should be considered that the combination of such technical solutions does not exist. , is not within the scope of protection claimed in this application.

本申请提供了一种基于人脸和语音双重识别的转账方法。本申请的方法应用于一种基于人脸和语音双重识别的转账系统，所述系统包括：第一用户的客户端，用于识别第二用户并向服务器发送转账请求；第二用户的客户端；服务器，用于处理转账请求。所述客户端可以但不限于个人计算机、笔记本电脑、智能手机、平板电脑和便携式可穿戴设备，客户端通过网络与服务器进行通信。人脸识别是通过面部的特征识别身份，面部特征有面部比例特征、虹膜特征等。语音识别是通过音色识别身份。This application provides a transfer method based on double recognition of face and voice. The method of the present application is applied to a transfer system based on double recognition of face and voice. The system includes: a client of the first user, used to identify the second user and send a transfer request to the server; the client of the second user ; server for processing transfer requests. The client can be but not limited to personal computer, notebook computer, smart phone, tablet computer and portable wearable device, and the client communicates with the server through the network. Face recognition is to identify the identity through the features of the face, and the facial features include facial proportion features, iris features, etc. Speech recognition is the identification of identity through timbre.

请结合参看图1，其为本申请第一实施例提供的基于人脸和语音双重识别的转账方法的流程图。该基于人脸和语音双重识别的转账方法包括步骤S101-S108。Please refer to FIG. 1 , which is a flowchart of a transfer method based on double recognition of face and voice provided by the first embodiment of the present application. The transfer method based on double recognition of face and voice includes steps S101-S108.

步骤S101，第一用户的客户端获取第二用户的生物特征数据。所述第一用户可以为转账方或者收款方。具体地，第一用户为转账方，第二用户为收款方。某个银行的服务器可以访问其他银行数据库中的数据。所述生物特征数据包括人脸面部五官比例特征、音色特征、人脸轮廓特征、虹膜特征等其他代表人身份的特征。所述获取生物特征数据可以为对收款人读取预设语句的过程进行录像获取面部比例特征数据和收款人的音色数据。由图2所示，可以在应用软件转账页面1上添加录像功能2，转账方在向收款方发起转账时，通过录像功能获取收款人的录像信息，所述信息中包括收款人读取预设语句的过程，所述预设语句为固定的语句：我是+收款人姓名，通过对录像数据的分析获取音色特征。Step S101, the client of the first user acquires the biometric data of the second user. The first user may be a transfer party or a payee. Specifically, the first user is the transfer party, and the second user is the payee. A bank's servers can access data in other banks' databases. The biometric data includes facial features proportional features, timbre features, facial contour features, iris features and other features that represent a person's identity. The obtaining of the biometric data may be to record the process of the payee reading the preset sentence to obtain the facial proportional feature data and the payee's timbre data. As shown in Figure 2, a video recording function 2 can be added on the transfer page 1 of the application software. When the transfer party initiates a transfer to the payee, the video recording function is used to obtain the video recording information of the payee, and the information includes the payee's reading. The process of taking a preset sentence, the preset sentence is a fixed sentence: I am + the name of the payee, and the timbre characteristics are obtained by analyzing the video data.

例如，李华通过平安银行口袋APP向李明转账，在转账页面的右上方有录像标识，李华点击所述标识对李明进行录像，录像过程中李明正面面对摄像头，说：我是李明。通过对所述录像的分析获取李明的面部数据特征和音色特征。For example, Li Hua transfers money to Li Ming through the Ping An Bank Pocket APP. There is a video sign on the top right of the transfer page. Li Hua clicks on the sign to record Li Ming. During the recording process, Li Ming faces the camera and says: I am Li Ming. Li Ming's facial data features and timbre features are obtained by analyzing the video.

步骤S102，所述第一用户的客户端发送所述生物特征数据至服务器端，以便服务端根据所述生物特征数据确定第二用户的身份信息。Step S102, the client of the first user sends the biometric data to the server, so that the server determines the identity information of the second user according to the biometric data.

在收款人的银行账户对应的银行数据库中有收款人的面部比例特征数据、收款人读：“我是+姓名”的录像数据，通过对所述录像数据的分析获取收款人音色特征。所述第一客户端获取所述第二用户的面部比例特征和音色特征，服务器将所述获取的特征数据和数据库中的数据作比对，获取数据库中相同的数据对应的用户的身份信息。第二用户的身份信息包括：所述第二用户的账户号码、姓名、通讯号码、家庭住址、账户金额等。In the bank database corresponding to the payee's bank account, there are the payee's facial proportion feature data and the payee read: "I am + name" video data, and the payee's voice is obtained by analyzing the video data. feature. The first client obtains the facial scale feature and the timbre feature of the second user, and the server compares the obtained feature data with the data in the database, and obtains the identity information of the user corresponding to the same data in the database. The identity information of the second user includes: the account number, name, communication number, home address, account amount, etc. of the second user.

例如，李明预先在平安银行的前台通过人工方式录过视频，并将身份信息和根据视频获取的面部特征、音色特征存储在数据库中；或者李明通过平安银行的应用软件输入自己的身份信息和视频录像。当李华用手机录取视频后，将视频传输至平安的后台服务器，服务器根据视频从数据库中获取相同面部比例特征和音色的用户，从而确定所述用户的身份信息。For example, Li Ming recorded a video at the front desk of Ping An Bank manually, and stored his identity information, facial features and timbre characteristics obtained from the video in the database; or Li Ming entered his own identity information through the application software of Ping An Bank. and video recording. After Li Hua recorded the video on his mobile phone, he transmitted the video to Ping An's backend server, and the server obtained users with the same facial proportions and timbre from the database according to the video, thereby determining the identity information of the users.

步骤S103，所述第一用户的客户端接收和显示所述服务端返回的第二用户的账户信息。Step S103, the client of the first user receives and displays the account information of the second user returned by the server.

由图2所示，所述显示所述服务端返回的第二用户的账户信息为显示所述第二用户的收款人姓名3和收款账号4。服务器确定所述第二用户的身份信息后，将所述身份信息返回至第一客户端，第一客户端在显示页面显示第二用户的账户号码和用户姓名。As shown in FIG. 2 , the display of the account information of the second user returned by the server is to display thepayee name 3 and thepayment account number 4 of the second user. After determining the identity information of the second user, the server returns the identity information to the first client, and the first client displays the account number and user name of the second user on the display page.

例如，平安后台服务器确定了李明的身份信息，并将身份信息返回至李华的手机内的处理器中，并将身份信息中的姓名：李明、账户号码返回显示在转账页面。转账人李华和收款人李明可以确认转账信息是否有误。For example, the back-end server of Ping An determines Li Ming's identity information, returns the identity information to the processor in Li Hua's mobile phone, and returns the name in the identity information: Li Ming and account number to be displayed on the transfer page. The transferor Li Hua and the payee Li Ming can confirm whether the transfer information is correct.

步骤S104，所述第一用户的客户端接收第一用户输入的识别字段和转账金额，所述识别字段由服务器端发送至第二客户端，并由第二用户告知第一用户。Step S104, the client of the first user receives the identification field and the transfer amount input by the first user, the identification field is sent by the server to the second client, and the second user informs the first user.

所述识别字段可以为短信验证码，服务器根据第二用户身份信息中的通讯号码向第二客户端发送短信验证码。第二用户将所述短信验证码告知第一用户，由图2所示，第一用户在显示页面输入短信验证码5和转账金额6。The identification field may be a short message verification code, and the server sends the short message verification code to the second client according to the communication number in the second user identity information. The second user informs the first user of the SMS verification code. As shown in FIG. 2 , the first user inputs the SMS verification code 5 and the transfer amount 6 on the display page.

例如，平安银行后台服务器获取李明的电话号码，并根据电话号码向李明发送短信验证码MK895。李华将所述验证码MK895和转账金额2000输入至所述转账页面。For example, the back-end server of Ping An Bank obtains Li Ming's phone number and sends the SMS verification code MK895 to Li Ming according to the phone number. Li Hua enters the verification code MK895 and the transfer amount of 2000 into the transfer page.

步骤S105，所述第一用户的客户端接收第一用户输入的确认指令。Step S105, the client of the first user receives a confirmation instruction input by the first user.

由图2所示，在转账显示页面有图标“确认转账”7和“重新录像”8，当确认没有转账信息没有问题时，第一用户点击“确认转账”图标，同意进行转账；当转账信息中第二用户信息出现错误时，第一用户点击“重新录像图标”以重新获取第二用户的信息。As shown in Figure 2, there are icons "Confirm Transfer" 7 and "Re-record" 8 on the transfer display page. When it is confirmed that there is no transfer information and there is no problem, the first user clicks the "Confirm Transfer" icon and agrees to transfer; When there is an error in the second user's information, the first user clicks the "re-recording icon" to obtain the second user's information again.

例如，李华和李明确认转账信息没有错误后，点击显示页面上的“确认转账”图标；若转账信息出现错误，如身份信息不是李明，则点击“重新录取图像”。For example, after Li Hua and Li Ming confirm that the transfer information is correct, click the "Confirm Transfer" icon on the display page; if there is an error in the transfer information, such as the identity information is not Li Ming, click "Re-register image".

步骤S106，所述第一用户的客户端响应所述第一用户输入的确认指令根据所述账户信息、转账金额生成相应的转账请求。Step S106, the client of the first user generates a corresponding transfer request according to the account information and the transfer amount in response to the confirmation instruction input by the first user.

例如，确认信息无误后，李华点击页面上的“确认转账”，手机客户端生成带有账户信息、转账金额的数据的转账请求。For example, after confirming that the information is correct, Li Hua clicks "Confirm Transfer" on the page, and the mobile client generates a transfer request with account information and transfer amount data.

步骤S107，所述第一用户的客户端将所述转账请求发送给所述服务器进行转账处理。当所述第一用户和所述第二用户在同一个银行内转账时，所述服务器为所述银行内部的服务器，服务器可以用独立的服务器或者是多个服务器组成的服务器集群来实现，所述服务器端从所述第一用户转账银行的数据库中读取所述第二用户的身份证；当所述第一用户和第二用户在不同的银行内转账时，服务器用所述不同的银行的服务器通过相互通信来实现，即当服务器端读取所述第二用户的身份证失败时，所述服务器端读取依次从第一用户转账银行的数据库之外的银行的数据库读取所述第二用户的身份证。当第一用户和第二用户在同一个银行转账时，如平安银行，所述请求由平安银行中的单个服务器或服务器集群进行转账处理。当用户跨行转账时，如所述第二用户是招商银行的用户，而第一个用户是平安银行的用户，所述服务器为可以互相通信的各个银行的服务器的组合。Step S107, the client of the first user sends the transfer request to the server for transfer processing. When the first user and the second user transfer money in the same bank, the server is a server inside the bank, and the server can be implemented by an independent server or a server cluster composed of multiple servers. The server reads the ID card of the second user from the database of the first user's transfer bank; when the first user and the second user transfer money in different banks, the server uses the different bank This is achieved through mutual communication between the two servers, that is, when the server fails to read the ID card of the second user, the server reads the data from the database of the bank other than the first user's transfer bank's database in turn. ID of the second user. When the first user and the second user transfer money in the same bank, such as Ping An Bank, the request is processed by a single server or server cluster in Ping An Bank. When a user transfers money across banks, if the second user is a user of China Merchants Bank and the first user is a user of Ping An Bank, the server is a combination of servers of various banks that can communicate with each other.

例如，若李明和李华都是平安银行的用户，则平安银行的服务器处理转账请求；若李明是招商银行的用户，则平安银行的服务器与招商银行的服务器进行通信，以使招商银行的服务器处理转账请求。其中，当第一用户为转账方，第二用户为收款方。若第一用户打开转账页面，则第一用户为转账方。For example, if Li Ming and Li Hua are both users of Ping An Bank, the server of Ping An Bank processes the transfer request; if Li Ming is a user of China Merchants Bank, the server of Ping An Bank communicates with the server of China Merchants Bank, so that the server of China Merchants Bank The server processes the transfer request. Among them, when the first user is the transfer party, the second user is the payee. If the first user opens the transfer page, the first user is the transfer party.

可以理解地，在服务器处理转账请求完成后，服务器根据转账是否成功向第一客户端发送信号。若转账成功，则向第一客户端发送转账成功的信号，第一客户端在应用软件的页面显示预设的“您已转账成功”图标；若转账失败，则向第一客户端发送转账失败的信号，第一客户端在应用软件的页面显示预设的“您的交易失败，请再次进行交易”的图标。Understandably, after the server completes processing the transfer request, the server sends a signal to the first client according to whether the transfer is successful. If the transfer is successful, it will send a transfer success signal to the first client, and the first client will display the preset "You have successfully transferred" icon on the page of the application software; if the transfer fails, it will send a transfer failure signal to the first client signal, the first client terminal displays the preset "Your transaction failed, please trade again" icon on the page of the application software.

如图3所示，本实施例提供了一种转账装置，所述转账装置9包括：As shown in FIG. 3 , this embodiment provides a transfer device, and thetransfer device 9 includes:

获取模块10，获取第二用户的生物特征数据。所述生物特征数据包括人脸面部五官比例特征、音色特征、人脸轮廓特征、虹膜特征等其他代表人身份的特征。所述获取生物特征数据可以为对收款人读取预设语句的过程进行录像获取面部比例特征数据和收款人的音色数据。可以在应用软件转账业务页面上添加录像功能，转账方在向收款方发起转账时，通过录像功能获取收款人的录像信息，所述信息中包括收款人读取预设语句的过程，所述预设语句为固定的语句：我是+收款人姓名，通过对录像数据的分析获取音色特征。The acquiringmodule 10 acquires the biometric data of the second user. The biometric data includes facial features proportional features, timbre features, facial contour features, iris features and other features that represent a person's identity. The obtaining of the biometric data may be to record the process of the payee reading the preset sentence to obtain the facial proportional feature data and the payee's timbre data. A video recording function can be added on the transfer business page of the application software. When the transfer party initiates a transfer to the payee, the video recording function can be used to obtain the video recording information of the payee, and the information includes the process of the payee reading the preset statement. The preset sentence is a fixed sentence: I am + the name of the payee, and the timbre feature is obtained by analyzing the video data.

发送模块11，发送所述生物特征数据至服务器端，以便服务端根据所述生物特征数据确定第二用户的身份信息。在收款人的银行账户对应的银行数据库中有收款人的面部比例特征数据、收款人读：“我是+姓名”的录像数据，通过对所述录像数据的分析获取收款人音色特征。服务器将所述获取的特征数据和数据库中的数据作比对，获取数据库中相同的数据对应的用户的身份信息。第二用户的身份信息包括：所述第二用户的账户号码、姓名、通讯号码、家庭住址、账户金额等。The sendingmodule 11 sends the biometric data to the server, so that the server determines the identity information of the second user according to the biometric data. In the bank database corresponding to the payee's bank account, there are the payee's facial proportion feature data and the payee read: "I am + name" video data, and the payee's voice is obtained by analyzing the video data. feature. The server compares the acquired feature data with the data in the database, and acquires the identity information of the user corresponding to the same data in the database. The identity information of the second user includes: the account number, name, communication number, home address, account amount, etc. of the second user.

接收模块12，接收所述服务端返回的第二用户的账户信息、第一用户输入的识别字段、第一用户输入的转账金额和第一用户输入的确认指令。在转账显示页面有图标“确认转账”、“重新录像”、“重新发送短信验证码”，当确认没有转账信息没有问题时，第一用户点击“确认转账”图标，同意进行转账The receivingmodule 12 receives the account information of the second user returned by the server, the identification field input by the first user, the transfer amount input by the first user, and the confirmation instruction input by the first user. On the transfer display page, there are icons "Confirm Transfer", "Re-record" and "Resend SMS Verification Code". When it is confirmed that there is no transfer information and there is no problem, the first user clicks the "Confirm Transfer" icon to agree to the transfer.

显示模块13，显示所述服务端返回的第二用户的账户信息；所述显示所述服务端返回的第二用户的账户信息为显示所述第二用户的账户号码和用户姓名。服务器确定所述第二用户的身份信息后，将所述身份信息返回至第一客户端，第一客户端在显示页面显示第二用户的账户号码和用户姓名。Thedisplay module 13 displays the account information of the second user returned by the server; the displaying the account information of the second user returned by the server is to display the account number and user name of the second user. After determining the identity information of the second user, the server returns the identity information to the first client, and the first client displays the account number and user name of the second user on the display page.

生成模块14，响应所述第一用户输入的确认指令根据所述账户信息、转账金额生成相应的转账请求并所述所述转账请求发送给所述服务器进行转账处理。The generatingmodule 14 generates a corresponding transfer request according to the account information and the transfer amount in response to the confirmation instruction input by the first user, and sends the transfer request to the server for transfer processing.

由图4所示，本实施例提供一种基于人脸和语音双重识别的转账方法：第一用户的客户端获取第二用户的生物特征数据；所述第一用户的客户端发送所述生物特征数据至服务器端，以便服务端根据所述生物特征数据确定第二用户的身份信息；所述服务端发送所述第二用户的账户信息至所述第一用户的客户端；所述第一用户的客户端接收和显示所述服务端返回的第二用户的账户信息；服务器端向第二客户端发送识别字段；第二用户将所述识别字段告知第一用户；第一用户向所述第一用户的客户端输入识别字段和转账金额；第一用户向所述第一用户的客户端输入的确认指令；所述第一用户的客户端响应所述第一用户输入的确认指令根据所述账户信息、转账金额生成相应的转账请求；所述第一用户的客户端将所述转账请求发送给所述服务器；服务器接收到所述转账请求从而进行转账处理；As shown in FIG. 4, this embodiment provides a transfer method based on double recognition of face and voice: the client of the first user obtains the biometric data of the second user; the client of the first user sends the biometric data. feature data to the server, so that the server can determine the identity information of the second user according to the biometric data; the server sends the account information of the second user to the client of the first user; the first user The client of the user receives and displays the account information of the second user returned by the server; the server sends an identification field to the second client; the second user informs the first user of the identification field; the first user sends the identification field to the The client of the first user inputs the identification field and the transfer amount; the confirmation instruction input by the first user to the client of the first user; the client of the first user responds to the confirmation instruction input by the first user according to the The account information and the transfer amount generate a corresponding transfer request; the client of the first user sends the transfer request to the server; the server receives the transfer request to perform transfer processing;

本申请还提供一种计算机设备900，请结合参看图5，其为本申请第一实施例提供的计算机设备900的内部结构示意图。进一步的，该计算机嵌入式设备为HUD。计算机设备900至少包括存储器901、处理器902。具体地，存储器901，用于存储基于人脸和语音双重识别的方法的程序指令。处理器902，用于执行程序指令以使计算机设备900实现上述的基于人脸和语音双重识别的方法。The present application also provides acomputer device 900. Please refer to FIG. 5, which is a schematic diagram of the internal structure of thecomputer device 900 provided by the first embodiment of the present application. Further, the computer embedded device is a HUD. Thecomputer device 900 includes at least amemory 901 and a processor 902 . Specifically, thememory 901 is used to store the program instructions of the method based on double recognition of human face and voice. The processor 902 is configured to execute program instructions to enable thecomputer device 900 to implement the above-mentioned method based on dual recognition of face and voice.

其中，存储器901至少包括一种类型的可读存储介质，该可读存储介质包括闪存、硬盘、多媒体卡、卡型存储器(例如，SD或DX存储器等)、磁性存储器、磁盘、光盘等。存储器901不仅可以用于存储安装于计算机设备900的应用软件及各类数据，例如，基基于人脸和语音双重识别的方法的控制指令等，还可以用于暂时地存储已经输出或者将要输出的数据。Thememory 901 includes at least one type of readable storage medium, including flash memory, hard disk, multimedia card, card-type memory (eg, SD or DX memory, etc.), magnetic memory, magnetic disk, optical disk, and the like. Thememory 901 can not only be used to store application software and various data installed in thecomputer device 900, for example, control instructions based on the double recognition method of face and voice, etc., but also can be used to temporarily store the output or to be output. data.

处理器902在一些实施例中可以是中央处理器(Central Processing Unit,CPU)、控制器、微控制器、微处理器或其他数据处理芯片，用于运行存储器901中存储的程序指令或处理数据。具体地，处理器902执行基于人脸和语音双重识别的方法的程序指令以控制计算机设备900实现基于人脸和语音双重识别的方法。The processor 902 may be a central processing unit (Central Processing Unit, CPU), a controller, a microcontroller, a microprocessor or other data processing chips in some embodiments, and is used to execute program instructions or process data stored in thememory 901 . Specifically, the processor 902 executes the program instructions of the method based on the dual recognition of face and voice to control thecomputer device 900 to implement the method based on the dual recognition of face and voice.

进一步地，总线903可以是外设部件互连标准总线(peripheral componentinterconnect，简称PCI)或扩展工业标准结构总线(extended industry standardarchitecture，简称EISA)等。该总线可以分为地址总线、数据总线、控制总线等。为便于表示，图5中仅用一条粗线表示，但并不表示仅有一根总线或一种类型的总线。Further, thebus 903 may be a peripheral component interconnect standard bus (peripheral component interconnect, referred to as PCI) or an extended industry standard architecture bus (extended industry standard architecture, referred to as EISA) or the like. The bus can be divided into address bus, data bus, control bus and so on. For ease of presentation, only one thick line is used in FIG. 5, but it does not mean that there is only one bus or one type of bus.

进一步地，计算机设备900还可以包括显示组件904。显示组件904可以是LED(Light Emitting Diode，发光二极管)显示器、液晶显示器、触控式液晶显示器以及OLED(Organic Light-Emitting Diode，有机发光二极管)触摸器等。其中，显示组件904也可以适当的称为显示装置或显示单元，用于显示在计算机设备900中处理的信息以及用于显示可视化的用户界面。Further,computer device 900 may also includedisplay component 904 . Thedisplay component 904 may be an LED (Light Emitting Diode, light-emitting diode) display, a liquid crystal display, a touch-sensitive liquid crystal display, an OLED (Organic Light-Emitting Diode, organic light-emitting diode) touch device, and the like. Thedisplay component 904 may also be appropriately referred to as a display device or a display unit for displaying information processed in thecomputer device 900 and for displaying a visual user interface.

进一步地，计算机设备900还可以包括通信组件905，通信组件905可选的可以包括有线通信组件和/或无线通信组件(如WI-FI通信组件、蓝牙通信组件等)，通常用于在计算机设备900与其他计算机设备之间建立通信连接。Further, thecomputer device 900 may also include acommunication component 905, and thecommunication component 905 may optionally include a wired communication component and/or a wireless communication component (such as a WI-FI communication component, a Bluetooth communication component, etc.), which are generally used in computer equipment A communication connection is established between 900 and other computer devices.

图5仅示出了具有组件901-905以及实现基于人脸和语音双重识别的方法的程序指令的计算机设备900，本领域技术人员可以理解的是，图5示出的结构并不构成对计算机设备900的限定，可以包括比图示更少或者更多的部件，或者组合某些部件，或者不同的部件布置。FIG. 5 only shows thecomputer device 900 having the components 901-905 and the program instructions for realizing the method based on the double recognition of human face and speech. Those skilled in the art can understand that the structure shown in FIG. Thedevice 900 definition may include fewer or more components than shown, or a combination of certain components, or a different arrangement of components.

所属领域的技术人员可以清楚地了解到，为描述的方便和简洁，上述描述的系统，装置和单元的具体工作过程，具体地，计算机设备900的处理器902执行基于人脸和语音双重识别的方法的程序指令以控制计算机设备900实现可运动物体的运动轨迹的预测方法的详细过程。可以参考上述方法实施例中的对应过程，在此不再赘述。Those skilled in the art can clearly understand that, for the convenience and brevity of the description, the specific working process of the above-described systems, devices and units, specifically, the processor 902 of thecomputer device 900 executes the dual recognition based on face and voice. The program instructions of the method are used to control thecomputer device 900 to implement the detailed process of the method for predicting the motion trajectory of the movable object. Reference may be made to the corresponding processes in the foregoing method embodiments, and details are not described herein again.

显然，本领域的技术人员可以对本申请进行各种改动和变型而不脱离本申请的精神和范围。这样，且本申请的这些修改和变型属于本申请权利要求及其等同技术的范围之内，则本申请也意图包含这些改动和变型在内。Obviously, those skilled in the art can make various changes and modifications to the present application without departing from the spirit and scope of the present application. Thus, and these modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is also intended to include these modifications and variations.

以上所列举的仅为本申请较佳实施例而已，当然不能以此来限定本申请之权利范围，因此依本申请权利要求所作的等同变化，仍属于本申请所涵盖的范围。The above enumeration is only the preferred embodiment of the present application, of course, the scope of the right of the present application cannot be limited by this, so the equivalent changes made according to the claims of the present application still belong to the scope covered by the present application.