一种业务风控的方法、装置、存储介质及电子设备

By extracting and clustering the voiceprint features of user voice data, and adjusting the clustering results to determine whether the voice data comes from the same user, the business risk control problem in voice call scenarios is solved, and the security of business execution is improved.

CN116504268BActive Publication Date: 2026-07-17ALIPAY (HANGZHOU) INFORMATION TECH CO LTD
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Patent Information

Authority / Receiving Office
CN · China
Patent Type
Patents(China)
Current Assignee / Owner
ALIPAY (HANGZHOU) INFORMATION TECH CO LTD
Filing Date
2023-04-13
Publication Date
2026-07-17

AI Technical Summary

Technical Problem

In voice call scenarios, the business platform cannot effectively control risks, which may lead to situations where business is not performed by the user, resulting in business risks.

Method used

By acquiring user voice data, extracting voiceprint features and performing cluster analysis, the voiceprint feature model and cluster model are used to determine whether the voice data comes from the same user, and the clustering results are adjusted to improve accuracy, thereby implementing business risk control.

Benefits of technology

It enables effective risk control of business execution in voice call scenarios, reducing the risk of unauthorized personnel impersonating users to execute business.

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Abstract

本说明书公开了一种业务风控的方法、装置、存储介质以及电子设备，用于隐私保护，将各用户在执行业务时的各语音数据输入到预设的声纹特征模型中，以提取出每个语音数据的声纹特征。将每个语音数据的声纹特征以及每个语音数据对应的第一关联相似度输入到预设的聚类模型中，以对各声纹特征进行聚类，得到各初始聚类簇。针对每个语音数据，确定该语音数据的声纹特征相匹配的初始聚类簇，作为目标簇，从目标簇中确定出第二关联声纹特征，并确定该语音数据对应的第二关联相似度。根据每个语音数据对应的第二关联相似度，调整初始聚类结果，得到最终聚类结果，判断是否存在归属于同一聚类簇但出自不同用户账户的语音数据，根据判断结果，执行业务风控。
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