Voice-based financial service system with identity verification function

Abstract

A voice-based financial service system with identity verification functionality includes a voice interaction host for providing a voice interaction interface and receiving input commands from the caller, and an identity verification host connected to the voice interaction host. The identity verification host generates a one-time password upon request from the voice interaction host and sends it to the customer's corresponding mobile phone number via SMS. The voice interaction host receives the verification password entered by the customer during the call and transmits it to the identity verification host. The identity verification host compares the verification password with the one-time password and sends the verification result back to the voice interaction host. When the verification result is successful, the voice interaction host prompts a specialist to proceed with subsequent financial services, including playing a standardized pre-recorded audio file.

Claims

1. A voice-based financial service system with identity verification function, comprising: a voice interaction host for providing a voice interaction interface and receiving input commands from a caller; and an identity verification host connected to the voice interaction host; wherein: The identity verification host generates a one-time password upon request from the voice interaction host and sends it via SMS to a customer's corresponding mobile phone number; the voice interaction host receives a verification password entered by the customer during a call and transmits it to the identity verification host; the identity verification host compares the verification password with the one-time password and sends a verification result back to the voice interaction host; when the verification result is successful, the voice interaction host prompts a specialist to conduct subsequent financial services; the subsequent financial services include playing a standardized pre-recorded audio file.

2. A voice-based financial service system with identity verification function as described in claim 1, wherein, When the verification result is successful, the voice interaction host further receives one of the playback instructions input by the specialist; and plays the pre-recorded file for the customer to listen to according to the playback instruction, in order to replace human dictation.

3. A voice-based financial service system with identity verification function as described in claim 1, wherein, Before requesting the identity verification host to generate the one-time password, the voice interaction host first receives a partial code of the mobile phone number entered by the customer, thereby triggering the identity verification host to send the one-time password.

4. A voice-based financial service system with identity verification function as described in claim 1, wherein, When the identity verification host compares the verification password with the one-time password, it accumulates one error count; when the number of errors reaches a preset limit, the identity verification host determines that the verification has failed; and restricts the sending of SMS messages for a locked period of time.

5. A voice-based financial service system with identity verification function as described in claim 1, wherein, The voice interaction host has a recording module for recording calls during the call; and when the identity verification host determines that the verification result is successful, it stores the verification process and voice data containing the one-time password.

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