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A bank account security processing method and device

A bank account and security processing technology, applied in data processing applications, protocol authorization, voice analysis, etc., can solve problems such as capital loss, inability to guarantee account security, information security hidden dangers, etc., to ensure security and solve the effect of capital loss.

Active Publication Date: 2021-01-15
BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Common ATMs generally use digital passwords for user identification, and the ATM system can only allow subsequent operations after entering the correct digital passwords. This method will have certain information security risks. When the transaction terminal of the bank conducts transactions, if the person is threatened by security, it is difficult to terminate the transaction in time through the system operation, freeze the account, and cannot guarantee the security of the account, resulting in a loss of funds

Method used

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  • A bank account security processing method and device
  • A bank account security processing method and device
  • A bank account security processing method and device

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0042] The user uses the mobile phone to enter the voiceprint of "terminate transaction" and set the corresponding account processing method: terminate the current transaction of the account. combine Figure 4 As shown, the process of voiceprint recognition is as follows: the bank’s back-end server preprocesses the voiceprint of the user’s pre-entered transaction termination, and then performs feature extraction. Through the training process and testing process, the user’s voiceprint model library is established; during the training process and During the test, the test results of the voiceprint model library are made to reach the preset false acceptance rate and false rejection rate.

[0043] There are two thresholds for voiceprint confirmation and recognition, namely False Acceptance Rate (FAR) and False Rejection Rate (False Rejection Rate, FRR). FAR refers to the error caused by identifying non-target speakers as target speakers. FRR refers to the error caused by misiden...

Embodiment 2

[0047] The user uses the mobile phone to enter the voiceprint of "terminate the transaction" and "swallow the card by the ATM machine", and set the corresponding account processing method: terminate the current transaction of the account, and swallow the bank card by the ATM. The bank's background server preprocesses the voiceprint of the user's pre-entered transaction termination and ATM card swallowing, and then performs feature extraction. Through the training process, the user's voiceprint model library is established.

[0048] Take the ATM withdrawal from the user to the bank as an example. When encountering personal danger, the user can say the voice control command of the bank account "Please help me terminate the transaction, and the ATM will swallow the card". After the bank background server receives the instruction, it first uses the user's voiceprint model library to judge the voiceprint matching degree of this sentence. Since the matching degree of "terminate the t...

Embodiment 3

[0050] Based on the above-mentioned second embodiment, the voiceprint entered by the user in this embodiment is consistent; the general account manipulation command preset by the bank includes "freezing the account", so that the account cannot be deposited or withdrawn.

[0051] When the user utters the bank account voice control command "Please help me terminate the transaction and freeze the account", the bank background server uses the user's voiceprint model library to judge the matching degree of the voiceprint of this sentence; If the matching degree of "Please help me terminate the transaction" in the sentence exceeds the preset threshold, it is determined that the user said it, and then execute the corresponding termination of the current transaction of the account.

[0052] Since there is no "freeze account" in the voiceprint entered by the user, and the voiceprint information of the corresponding pre-set account control command is not matched, step S5 is executed, and...

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Abstract

The invention provides a security processing method and device of a bank account. The method includes: receiving a bank account voice manipulation instruction, and extracting voiceprint feature information in the bank account voice manipulation instruction; matching the voiceprint feature information with pre-stored voiceprint feature sample information to confirm user identity; matching the voiceprint feature information with voiceprint information of a preset account manipulation instruction; and after matching is successful, executing the account manipulation instruction corresponding to the voiceprint feature information. According to the method and device provided by the invention, voiceprint recognition technology is used to confirm user information, account security operation is executed through voiceprint matching, manual system operation can be omitted in an emergency case where account security is threatened, the problem of capital loss caused by account theft is solved, andthe security of the bank account is effectively guaranteed in time.

Description

technical field [0001] The invention relates to the technical field of bank security, in particular to a method and device for bank account security processing using voiceprint recognition. Background technique [0002] In recent years, transaction terminals of banks have been widely popularized, including ATMs, mobile banking, and online banking. Common ATMs generally use digital passwords for user identification, and the ATM system can only allow subsequent operations after entering the correct digital passwords. This method will have certain information security risks. When the transaction terminal of the bank conducts transactions, if the person is threatened by security, it is difficult to terminate the transaction in time through the system operation, freeze the account, and cannot guarantee the security of the account, resulting in a loss of funds. [0003] To sum up, there is an urgent need for a timely and effective method to ensure the security of bank accounts. ...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G07F7/10G06Q20/18G06Q20/40G10L17/00
CPCG06Q20/18G06Q20/40145G07F7/10G10L17/00
Inventor 李苏媛石巍梁娜张曼瑞李灵黄小龙王赫张骁
Owner BANK OF CHINA