Card loss reporting processing method and system based on Internet of Things and voiceprint recognition
Through the voiceprint recognition technology of IoT devices, bank card loss reporting is quickly and safely completed, solving the problems of low efficiency and insufficient security of bank card loss reporting in the existing technology, and achieving efficient and safe card loss reporting is achieved.
Patent Information
- Application Number
- CN202110588189.0
- Authority / Receiving Office
- CN · China
- Patent Type
- Patents(China)
- Current Assignee / Owner
- Filing Date
- 2021-05-28
- Publication Date
- 2025-02-21
- Estimated Expiration
- 2041-05-28
AI Technical Summary
In the case of mobile phone loss, it is difficult for the prior art to quickly and securely report bank card losses, which has problems of low efficiency and insufficient security.
Monitor the user's voice through the Internet of Things device, recognize the voice content and voiceprint feature information, and compare it with the pre-stored voiceprint feature information. If it is consistent, determine the user's bank card's intention to report the failure, and compare the voiceprint feature information and bank card The list information is sent to the bank end and the bank report loss interface is called to perform multiple cards report loss processing.
It realizes efficient and safe card loss handling, simplifies user operation processes, improves user experience, and ensures the security of funds.
Smart Images

Figure CN113298643B_ABST
Abstract
Description
Technical Field
[0001] The present invention relates to the field of artificial intelligence technology, and in particular to a card loss reporting processing method and system based on the Internet of Things and voiceprint recognition. Background Art
[0002] This section is intended to provide a background or context to the embodiments of the invention recited in the claims. No admission is made that the description herein is prior art by inclusion in this section.
[0003] Customers frequently lose their mobile phones. In such cases, it is crucial to report the loss of bank cards quickly and effectively to prevent theft of mobile phone-related financial accounts and ensure the safety of funds.
[0004] Currently, customers can log in to mobile banking, make phone calls, or report loss at the counter. However, if the phone is lost, it is impossible to complete the loss report operation effectively and quickly when logging in to mobile banking, and even if you can log in to mobile banking, you need to report the loss of each card one by one. Reporting the loss by phone requires customers to provide a series of information such as ID number and password, which is cumbersome. Reporting the loss at the counter may also result in the problem that the bank branch is not open during business hours, and it is impossible to report the loss in time. Summary of the invention
[0005] The embodiment of the present invention provides a card loss reporting processing method based on the Internet of Things and voiceprint recognition, which is used to safely and efficiently report the loss of a card. The method includes:
[0006] The IoT device monitors the user's voice, identifies the content of the voice and the voiceprint feature information; obtains the voiceprint feature information and bank card list information pre-stored in the control system of the IoT device according to the request initiated by the user through the client to bind the bank card with the IoT device; compares the identified voiceprint feature information with the pre-stored voiceprint feature information, and if the comparison is consistent, when it is determined that the user intends to report the loss of the bank card based on the identified content, sends the user's voiceprint feature information and bank card list information to the corresponding bank end;
[0007] When each corresponding bank determines that the voiceprint feature information sent is consistent with the local voiceprint feature information, and the sent bank card list information contains information consistent with the local bank card information, it calls the bank loss reporting interface to perform multi-card loss reporting processing.
[0008] The embodiment of the present invention also provides a card loss reporting processing system based on the Internet of Things and voiceprint recognition, which is used to safely and efficiently process card loss reporting. The system includes:
[0009] The IoT device is used to monitor the user's voice, identify the content of the voice and voiceprint feature information; obtain the voiceprint feature information and bank card list information pre-stored in the control system of the IoT device according to the request initiated by the user through the client to bind the bank card with the IoT device; compare the identified voiceprint feature information with the pre-stored voiceprint feature information, and if the comparison is consistent, when it is determined that the user intends to report the loss of the bank card according to the identified content, send the user's voiceprint feature information and bank card list information to the corresponding bank end;
[0010] Each corresponding bank end is used to call the bank loss reporting interface to process the loss of multiple cards when it is determined that the sent voiceprint feature information is consistent with the local voiceprint feature information and the sent bank card list information contains information consistent with the local bank card information.
[0011] An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned card loss reporting processing method based on the Internet of Things and voiceprint recognition when executing the computer program.
[0012] An embodiment of the present invention further provides a computer-readable storage medium, which stores a computer program for executing the above-mentioned card loss reporting processing method based on the Internet of Things and voiceprint recognition.
[0013] In the embodiment of the present invention, the card loss reporting processing scheme based on the Internet of Things and voiceprint recognition is compared with the inefficient and unsafe technical scheme of the prior art that performs bank card loss reporting processing in the form of logging into mobile banking, telephone, reporting loss at the counter, etc., by: the Internet of Things device monitors the user's voice and identifies the content of the voice and voiceprint feature information; obtains the voiceprint feature information and bank card list information pre-stored in the control system of the Internet of Things device according to the request initiated by the user through the client to bind the bank card and the Internet of Things device; compares the identified voiceprint feature information with the pre-stored voiceprint feature information, and if the comparison is consistent, when the user's bank card loss reporting intention is determined according to the identified content, the user's voiceprint feature information and bank card list information are sent to the corresponding bank end; each corresponding bank end calls the bank loss reporting interface to perform multi-card loss reporting processing when it is determined that the sent voiceprint feature information is consistent with the local voiceprint feature information, and the sent bank card list information contains information consistent with the local bank card information, so that efficient and safe card loss reporting processing can be achieved, and the user experience is improved. BRIEF DESCRIPTION OF THE DRAWINGS
[0014] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art descriptions. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work. In the drawings:
[0015] Figure 1 It is a flowchart of a card loss reporting processing method based on the Internet of Things and voiceprint recognition in an embodiment of the present invention;
[0016] Figure 2 This is a flow chart of a method for pre-binding a bank card with an Internet of Things device in an embodiment of the present invention;
[0017] Figure 3 It is a flowchart of a card loss reporting processing method based on the Internet of Things and voiceprint recognition in another embodiment of the present invention;
[0018] Figure 4 It is a structural schematic diagram of a card loss reporting processing system based on the Internet of Things and voiceprint recognition in an embodiment of the present invention;
[0019] Figure 5 It is a structural schematic diagram of a card loss reporting processing system based on the Internet of Things and voiceprint recognition in another embodiment of the present invention. DETAILED DESCRIPTION
[0020] To make the purpose, technical solution and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below in conjunction with the accompanying drawings. Here, the exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention.
[0021] The embodiment of the present invention supports customers to bind their bank cards of major banks in advance through mobile phones and IoT devices such as IoT devices, and reserve the voiceprint information of customers. In the event that the customer's mobile phone is lost, the card information reserved on the smart IoT device can be directly used, and the voiceprint can be used to identify the customer's identity. At the same time, the services of major banks can be called to realize a one-time quick report of loss of all cards, thereby ensuring the safety of customers' funds.
[0022] Figure 1 FIG. 1 is a flow chart of a card loss reporting method based on the Internet of Things and voiceprint recognition in an embodiment of the present invention. Figure 1 As shown, the method comprises the following steps:
[0023] Step 101: The IoT device monitors the user's voice, identifies the content of the voice and the voiceprint feature information; obtains the voiceprint feature information and bank card list information pre-stored in the control system of the IoT device according to the request initiated by the user through the client to bind the bank card with the IoT device; compares the identified voiceprint feature information with the pre-stored voiceprint feature information, and if the comparison is consistent, when it is determined that the user intends to report the loss of the bank card according to the identified content, sends the user's voiceprint feature information and bank card list information to the corresponding bank end;
[0024] Step 102: When each corresponding bank determines that the sent voiceprint feature information is consistent with the local voiceprint feature information, and the sent bank card list information contains information consistent with the local bank card information, it calls the bank loss reporting interface to process the loss of multiple cards.
[0025] The card loss reporting processing method based on the Internet of Things and voiceprint recognition in the embodiment of the present invention can realize efficient and safe card loss reporting processing and improve user experience. The following is a detailed introduction to each step involved in the method.
[0026] 1. First, the steps for pre-binding a bank card with an IoT device, i.e., the card binding steps, are introduced.
[0027] In one embodiment, Figure 2 As shown, the card loss reporting processing method based on the Internet of Things and voiceprint recognition may also include pre-binding the bank card with the Internet of Things device according to the following method:
[0028] Step 201: The client receives a request for binding a user's bank card with an IoT device; obtains an identifier of the IoT device to be bound according to the request; and sends a bank list query request to the UnionPay system end;
[0029] Step 202: The UnionPay system queries the bank list of all the bank cards under the user's name according to the query request, and sends the bank list to the client;
[0030] Step 203: The client receives all bank information selected by the user from the sent bank list to be bound to the IoT device; obtains the user's current voiceprint feature information, and sends the current voiceprint feature information to the bank end corresponding to each bank information;
[0031] Step 204: The bank end corresponding to each bank information compares the current voiceprint feature information sent with the voiceprint feature information of the user stored locally. If the comparison results are consistent, it means that the operation is by the user himself, and the recognition is passed. The bank end sends the bank card list under the user's name to the client;
[0032] Step 205: The client receives the list information of all bank cards selected by the user from the sent bank card list to be bound to the IoT device; obtains the password of each bank card entered by the user; and sends the bank card list information, the password and the identifier of the IoT device to the corresponding bank end;
[0033] Step 206: When the corresponding bank determines that the bank card password is correct, it binds the bank card list information with the identifier of the IoT device, and sends the bank card list information and the user's voiceprint feature information to the control system of the IoT device and stores them according to the identifier of the IoT device.
[0034] In the specific implementation, the smart speaker (IoT device) and the mobile phone (client) are connected to the network, and the customer is supported to synchronize the bank card information bound on the mobile phone to the smart speaker. To ensure that it is the customer's own operation, the customer needs to enter the password on the mobile phone for confirmation when binding, and needs to reserve his voiceprint information at the bank, that is, the customer is supported to click on the bank card binding service on the mobile phone, and select the smart speaker number to be bound (the identifier of the IoT device to be bound). The mobile phone front end (client) queries the UnionPay system (UnionPay system end) for the list of banks where all bank cards under the customer's name are located, and returns it to the front end (client). Support customers to select the bank list to be bound to the speaker, supporting single selection, multiple selection, and full selection. After selecting the bank list (receiving all bank information selected by the user from the bank list to be bound to the IoT device), the customer is required to perform voiceprint recognition and send the voiceprint information to the selected bank backend (bank side). The bank backend and the locally stored voiceprint information are compared. If the comparison is consistent, it means that it is the customer himself. The recognition is successful, and the account list (bank card list) under the customer's name is returned. Customers are supported to select all. After the customer selects (receiving all bank card list information selected by the user from the bank card list to be bound to the IoT device), he is required to enter the password of a bank card for enhanced confirmation, and the bank card number, password, and smart speaker number are sent to the bank backend. If the bank backend confirms that the password is correct, the bank card list and the smart speaker number are bound, and the bank's bank, bank card number, and customer voiceprint information (bank card list information and user's voiceprint feature information) are sent to the control system of the smart speaker.
[0035] In one embodiment, the IoT device may be a smart speaker in the IoT.
[0036] In specific implementation, the above-mentioned IoT devices may also be other devices in the IoT, such as smart lights and smart kitchen appliances.
[0037] 2. Next, the above steps 101 and 102 are introduced.
[0038] In specific implementation, the steps of voiceprint collection and recognition are as follows: the smart speaker collects the customer's voiceprint information and compares it with the local voiceprint. If the comparison is consistent, the customer's voice content is recognized, and when the customer's intention of "reporting the loss of all bank cards under the name", "reporting the loss of all bank cards of xx bank", or "reporting the loss of the bank card ending in xx" is monitored and recognized, the card loss reporting step is initiated.
[0039] In specific implementation, the steps for reporting a lost card are: after the voiceprint is identified as the customer (user) himself and the instruction to report the loss is received, the voiceprint information and bank card information are sent to the corresponding bank, the bank's report loss interface is called, and the bank side (bank end) confirms it. If the voiceprint information and bank card number are consistent, it is confirmed that the operation was done by the person himself, and the loss of multiple cards is reported.
[0040] In one embodiment, Figure 3 As shown, the above-mentioned card loss reporting processing method based on the Internet of Things and voiceprint recognition may also include step 103: when each corresponding bank terminal determines that the sent voiceprint feature information is inconsistent with the local voiceprint feature information, and / or there is no information consistent with the local bank card information in the sent bank card list information, it sends a notification of refusing the loss reporting processing to the client.
[0041] In the specific implementation, when each corresponding bank determines that the sent voiceprint feature information is inconsistent with the local voiceprint feature information, and / or there is no information consistent with the local bank card information in the sent bank card list information, it will send a notification of rejection of the report of loss to the client, further ensuring the security of the card report of loss.
[0042] In summary, the embodiments of the present invention achieve: supporting the reporting of loss through IoT devices such as smart speakers, which is fast and convenient; using voiceprint recognition technology to ensure that the operation is done by the customer himself, and no manual input is required by the customer, thereby simplifying the process; supporting the reporting of loss of multiple bank cards at the same time, thereby improving efficiency.
[0043] The embodiment of the present invention also provides a card loss reporting processing system based on the Internet of Things and voiceprint recognition, as described in the following embodiment. Since the principle of solving the problem by the system is similar to that of the card loss reporting processing method based on the Internet of Things and voiceprint recognition, the implementation of the system can refer to the implementation of the card loss reporting processing method based on the Internet of Things and voiceprint recognition, and the repeated parts will not be repeated.
[0044] Figure 4 FIG. 1 is a schematic diagram of the structure of a card loss reporting processing system based on the Internet of Things and voiceprint recognition in an embodiment of the present invention. Figure 4 As shown, the system includes:
[0045] IoT device 01 is used to monitor the user's voice, identify the content of the voice and voiceprint feature information; obtain the voiceprint feature information and bank card list information pre-stored in the control system of the IoT device according to the request initiated by the user through the client to bind the bank card with the IoT device; compare the identified voiceprint feature information with the pre-stored voiceprint feature information, and if the comparison is consistent, when it is determined that the user intends to report the loss of the bank card according to the identified content, send the user's voiceprint feature information and bank card list information to the corresponding bank end;
[0046] Each corresponding bank terminal 03 is used to call the bank loss reporting interface to process the loss of multiple cards when it is determined that the sent voiceprint feature information is consistent with the local voiceprint feature information and the sent bank card list information contains information consistent with the local bank card information.
[0047] In one embodiment, Figure 5 As shown, the card loss reporting processing system based on the Internet of Things and voiceprint recognition may also include:
[0048] Client 02 is used to receive a user's request to bind a bank card to an IoT device; obtain the identifier of the IoT device to be bound according to the request; send a bank list query request to the UnionPay system end; receive all bank information selected by the user from the sent bank list to be bound to the IoT device; obtain the user's current voiceprint feature information, and send the current voiceprint feature information to the bank end corresponding to each bank information; receive all bank card list information selected by the user from the sent bank card list to be bound to the IoT device; obtain the password of each bank card entered by the user; send the bank card list information, password and the identifier of the IoT device to the corresponding bank end;
[0049] UnionPay system end 04 is used to query the bank list of all banks where the bank cards under the user's name are located according to the query request, and send the bank list to the client;
[0050] The bank end is specifically used to compare the current voiceprint feature information sent with the voiceprint feature information of the user stored locally. If the comparison results are consistent, it means that the operation is performed by the user himself, the recognition is passed, and the bank card list under the user name of the bank end is sent to the client; when it is determined that the bank card password is correct, the bank card list information is bound to the identification of the Internet of Things device, and according to the identification of the Internet of Things device, the bank card list information and the user's voiceprint feature information are sent to the control system of the Internet of Things device and stored.
[0051] In one embodiment, the IoT device may be a smart speaker in the IoT.
[0052] In one embodiment, each corresponding bank end can also be used to: send a notification of rejection of loss reporting to the client when it is determined that the sent voiceprint feature information is inconsistent with the local voiceprint feature information, and / or there is no information consistent with the local bank card information in the sent bank card list information.
[0053] An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned card loss reporting processing method based on the Internet of Things and voiceprint recognition when executing the computer program.
[0054] An embodiment of the present invention further provides a computer-readable storage medium, which stores a computer program for executing the above-mentioned card loss reporting processing method based on the Internet of Things and voiceprint recognition.
[0055] In the embodiment of the present invention, the card loss reporting processing scheme based on the Internet of Things and voiceprint recognition is compared with the inefficient and unsafe technical scheme of the prior art that performs bank card loss reporting processing in the form of logging into mobile banking, telephone, reporting loss at the counter, etc., by: the Internet of Things device monitors the user's voice and identifies the content of the voice and voiceprint feature information; obtains the voiceprint feature information and bank card list information pre-stored in the control system of the Internet of Things device according to the request initiated by the user through the client to bind the bank card and the Internet of Things device; compares the identified voiceprint feature information with the pre-stored voiceprint feature information, and if the comparison is consistent, when the user's bank card loss reporting intention is determined according to the identified content, the user's voiceprint feature information and bank card list information are sent to the corresponding bank end; each corresponding bank end calls the bank loss reporting interface to perform multi-card loss reporting processing when it is determined that the sent voiceprint feature information is consistent with the local voiceprint feature information, and the sent bank card list information contains information consistent with the local bank card information, so that efficient and safe card loss reporting processing can be achieved, and the user experience is improved.
[0056] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.
[0057] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.
[0058] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.
[0059] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.
[0060] The specific embodiments described above further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.
Claims
1. A card loss reporting method based on the Internet of Things and voiceprint recognition, characterized in that: include: The IoT device monitors the user's voice and identifies the content of the voice and voiceprint feature information; Acquire the voiceprint feature information and bank card list information pre-stored in the control system of the IoT device according to the request initiated by the user through the client to bind the bank card with the IoT device; compare the identified voiceprint feature information with the pre-stored voiceprint feature information, and if the comparison is consistent, when it is determined that the user intends to report the loss of the bank card according to the identified content, send the user's voiceprint feature information and bank card list information to the corresponding bank end; When each corresponding bank determines that the voiceprint feature information sent is consistent with the local voiceprint feature information, and the sent bank card list information contains information consistent with the local bank card information, it calls the bank loss reporting interface to report the loss of multiple cards, so as to realize a one-time quick loss reporting of all cards; The card loss reporting processing method based on the Internet of Things and voiceprint recognition also includes pre-binding the bank card with the Internet of Things device according to the following method: the client receives the user's request for binding the bank card with the Internet of Things device; obtains the identifier of the Internet of Things device to be bound according to the request; sends a bank list query request to the UnionPay system end; The UnionPay system end queries the bank list of all the bank cards under the user's name according to the query request, and sends the bank list to the client; the client receives all the bank information selected by the user from the sent bank list to be bound to the Internet of Things device; obtains the user's current voiceprint feature information, and sends the current voiceprint feature information to the bank end corresponding to each bank information; the bank end corresponding to each bank information compares the sent current voiceprint feature information with the locally stored voiceprint feature information of the user. If the comparison result is consistent, it means that the user himself operates, the recognition is passed, and the bank card list under the user's name on the bank end is sent to the client; the client receives all the bank card list information selected by the user from the sent bank card list to be bound to the Internet of Things device; obtains the password of each bank card entered by the user; sends the bank card list information, password and the identifier of the Internet of Things device to the corresponding bank end; when the corresponding bank end determines that the bank card password is correct, it binds the bank card list information with the identifier of the Internet of Things device, and sends the bank card list information and the user's voiceprint feature information to the control system of the Internet of Things device according to the identifier of the Internet of Things device and stores them.
2. The card loss reporting processing method based on the Internet of Things and voiceprint recognition as claimed in claim 1, characterized in that: The Internet of Things device is a smart speaker in the Internet of Things.
3. The card loss reporting processing method based on the Internet of Things and voiceprint recognition as claimed in claim 1, characterized in that: When each corresponding bank determines that the sent voiceprint feature information is inconsistent with the local voiceprint feature information, and / or the sent bank card list information does not contain information consistent with the local bank card information, it sends a notification of refusing the loss report to the client.
4. A card loss reporting processing system based on the Internet of Things and voiceprint recognition, characterized in that: include: An IoT device for monitoring the user's voice and identifying the content of the voice and voiceprint feature information; Acquire the voiceprint feature information and bank card list information pre-stored in the control system of the IoT device according to the request initiated by the user through the client to bind the bank card with the IoT device; compare the identified voiceprint feature information with the pre-stored voiceprint feature information, and if the comparison is consistent, when it is determined that the user intends to report the loss of the bank card according to the identified content, send the user's voiceprint feature information and bank card list information to the corresponding bank end; Each corresponding bank end is used to call the bank loss reporting interface to process the loss of multiple cards when it is determined that the voiceprint feature information sent is consistent with the local voiceprint feature information and the bank card list information sent contains information consistent with the local bank card information, so as to realize the one-time rapid loss reporting of all cards; The client is used to receive the user's request to bind the bank card with the IoT device; According to the request, the identifier of the IoT device to be bound is obtained; a bank list query request is sent to the UnionPay system end; all bank information selected by the user from the sent bank list to be bound to the IoT device is received; the current voiceprint feature information of the user is obtained, and the current voiceprint feature information is sent to the bank end corresponding to each bank information; all bank card list information selected by the user from the sent bank card list to be bound to the IoT device is received; the password of each bank card entered by the user is obtained; the bank card list information, password and the identifier of the IoT device are sent to the corresponding bank end; the UnionPay system end is used to query according to the query request, The bank list of all the bank cards under the user's name is sent to the client; the bank end is specifically used to compare the current voiceprint feature information sent with the locally stored voiceprint feature information of the user. If the comparison result is consistent, it means that the user himself operates and the recognition is passed, and the bank card list under the user's name on the bank end is sent to the client; when it is determined that the bank card password is correct, the bank card list information is bound to the identifier of the Internet of Things device, and according to the identifier of the Internet of Things device, the bank card list information and the user's voiceprint feature information are sent to the control system of the Internet of Things device and stored.
5. The card loss reporting processing system based on the Internet of Things and voiceprint recognition as claimed in claim 4, characterized in that: The Internet of Things device is a smart speaker in the Internet of Things.
6. The card loss reporting processing system based on Internet of Things and voiceprint recognition as claimed in claim 4, characterized in that: Each corresponding bank terminal is also used to: send a notification of rejection of loss reporting to the client terminal when it is determined that the sent voiceprint feature information is inconsistent with the local voiceprint feature information, and / or the sent bank card list information does not contain information consistent with the local bank card information.
7. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the method according to any one of claims 1 to 3 is implemented.
8. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program for executing the method according to any one of claims 1 to 3.
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