Business handling method and device, computer program product and electronic equipment

Abstract

The invention discloses a business handling method and device, a computer program product and electronic equipment. The method comprises the following steps: receiving a business handling instruction sent by a target user through first equipment; generating a business handling voucher on a display page of the first equipment according to the business handling instruction, and acquiring authentication information fed back by the target user according to the business handling voucher through the first equipment; identifying authenticity of the target user according to the image information and the environment information, and generating order information according to an authenticity identification result; and when the payment result is normal, storing the business handling voucher and the order information in a database, and when it is identified that the target user uses the second device to execute verification operation, sending the business handling voucher and the order information from the database to the second device. According to the invention, the problems of low safety and low success rate of ticket buying business handling through ticket buying equipment of a financial institution in the prior art are solved.

Description

Technical Field

[0001] This application relates to the field of financial technology, and more specifically, to a business processing method, apparatus, computer program product, and electronic device. Background Technology

[0002] As cooperation between scenic spots and financial institutions gradually increases, tourists often need to use the ticketing equipment of financial institutions to purchase tickets at some scenic spots, thereby improving ticketing efficiency through unmanned ticketing methods.

[0003] However, the ticket purchase process requires manually entering a large amount of personal information when using ticket purchasing equipment, which can easily lead to the leakage of personal information. Furthermore, when entering the scenic area after purchasing tickets, the ticket verification system of financial institutions cannot interact with the ticket verification system of the scenic area, and manual confirmation of the ticket purchase is still required. This makes the process of tourists entering the scenic area cumbersome. In addition, inconsistencies in system information may occur, resulting in situations where entry into the scenic area is not possible. This reduces the success rate of ticket purchases by financial institutions and affects the operational effectiveness of the ticket purchasing equipment of financial institutions in the scenic area.

[0004] There is currently no effective solution to the problem of low security and success rate of purchasing tickets through financial institutions' ticketing equipment in related technologies. Summary of the Invention

[0005] The main objective of this application is to provide a business processing method, apparatus, computer program product, and electronic device to solve the problems of low security and success rate in related technologies when processing ticket purchases through financial institutions' ticket purchasing equipment.

[0006] To achieve the above objectives, according to one aspect of this application, a business processing method is provided. The method includes: receiving a business processing instruction sent by a target user through a first device; generating a business processing voucher on a display page of the first device based on the business processing instruction, and obtaining authentication information returned by the target user based on the business processing voucher through the first device, wherein the authentication information includes the target user's image information, environmental information, and payment information; identifying the authenticity of the target user based on the image information and environmental information, generating order information based on the authenticity identification result, and processing the order information based on the payment information to obtain a payment result; if the payment result is normal, storing the business processing voucher and order information in a database, and if it is detected that the target user is using a second device to perform a verification operation, sending the business processing voucher and order information from the database to the second device.

[0007] Optionally, after receiving the service processing instruction sent by the target user through the first device, the method further includes: obtaining the target user's user information and the service to be processed from the service processing instruction; determining the number of times the target user will process the service to be processed within a preset time period based on the user information, and obtaining the target number; if the target number is greater than the preset number, determining that the target user is not allowed to process the service to be processed; if the target number is less than or equal to the preset number, performing the operation of generating a service processing certificate on the display page of the first device according to the service processing instruction.

[0008] Optionally, when the business processing instruction is voice information, generating a business processing certificate based on the business processing instruction on the display page of the first device includes: comparing the feature information of the voice information with the preset feature information of the target user to obtain a first comparison result; if the first comparison result indicates that the feature information of the voice information is consistent with the preset feature information of the target user, inputting the business processing instruction into the voice recognition model to obtain text information, and obtaining the business information of the pending business indicated by the business processing instruction from the text information; and generating a business processing certificate based on the business information.

[0009] Optionally, generating a business processing certificate based on business information includes: obtaining the information filling requirements for the business to be processed; determining whether there is any missing information in the business information based on the information filling requirements; if there is missing information, sending the missing information to the first device to obtain the information; and if supplementary information is received from the target user, generating a business processing certificate based on the supplementary information and the business information.

[0010] Optionally, identifying the authenticity of the target user based on image information and environmental information includes: comparing the image information with the target user's reserved image to obtain a second comparison result; acquiring the target environment configured with the first device and comparing the target environment with the environmental information to obtain a third comparison result; determining that there is no abnormality in authenticity if both the second and third comparison results indicate a match; and determining that there is an abnormality in authenticity if at least one of the second and third comparison results indicates a mismatch.

[0011] Optionally, generating order information based on the authenticity verification result and processing the order information based on the payment information to obtain the payment result includes: if the authenticity verification result is not abnormal, generating order information based on the business processing voucher, decrypting the payment information to obtain payment data, processing the payment data through the financial institution's payment system to obtain the payment result; if the authenticity verification result is abnormal, sending a prompt message to the first device, wherein the prompt message is used to indicate the cancellation of the order information generation operation.

[0012] Optionally, when the second device detects the identification command of the target user, it obtains the verification information of the target user, compares the verification information with the business processing voucher and order information, and if the comparison result is normal, it controls the control device connected to the second device to perform the opening operation.

[0013] To achieve the above objectives, according to another aspect of this application, a business processing apparatus is provided. The apparatus includes: a receiving unit for receiving a business processing instruction sent by a target user through a first device; a first acquiring unit for generating a business processing voucher on a display page of the first device according to the business processing instruction, and acquiring authentication information fed back by the target user based on the business processing voucher through the first device, wherein the authentication information includes the target user's image information, environmental information, and payment information; an identification unit for identifying the authenticity of the target user based on the image information and environmental information, generating order information based on the authenticity identification result, and processing the order information based on the payment information to obtain a payment result; and a storage unit for storing the business processing voucher and order information in a database when the payment result is normal, and sending the business processing voucher and order information from the database to the second device when it is detected that the target user is performing a verification operation using a second device.

[0014] Optionally, after receiving the service processing instruction sent by the target user through the first device, the device further includes: a second acquisition unit, configured to acquire the target user's user information and the service to be processed from the service processing instruction; a first determination unit, configured to determine the number of times the target user will process the service to be processed within a preset time period based on the user information, thereby obtaining a target number; a second determination unit, configured to determine that the target user is not allowed to process the service to be processed if the target number is greater than the preset number; and an execution unit, configured to execute the operation of generating a service processing certificate on the display page of the first device according to the service processing instruction if the target number is less than or equal to the preset number.

[0015] Optionally, when the business processing instruction is voice information, the first acquisition unit includes: a first comparison module, used to compare the feature information of the voice information with the preset feature information of the target user to obtain a first comparison result; a first acquisition module, used to input the business processing instruction into the voice recognition model to obtain text information when the first comparison result indicates that the feature information of the voice information is consistent with the preset feature information of the target user, and to obtain the business information of the pending business indicated by the business processing instruction from the text information; and a first generation module, used to generate a business processing voucher based on the business information.

[0016] Optionally, the first generation module includes: obtaining the information filling requirements for the business to be processed; determining whether there is any missing information in the business information based on the information filling requirements; if there is missing information, sending the missing information to the first device to obtain information; and if supplementary information is received from the target user, generating a business processing certificate based on the supplementary information and the business information.

[0017] Optionally, the identification unit includes: a second comparison module, used to compare the image information with the reserved image of the target user to obtain a second comparison result; a second acquisition module, used to acquire the target environment configured with the first device and compare the target environment with the environment information to obtain a third comparison result; a first determination module, used to determine that there is no abnormality in authenticity if both the second comparison result and the third comparison result indicate a match; and a second determination module, used to determine that there is an abnormality in authenticity if at least one of the second comparison result and the third comparison result indicates a mismatch.

[0018] Optionally, the identification unit includes: a second generation module, used to generate order information based on the business processing voucher and decrypt the payment information to obtain payment data when the authenticity identification result is not abnormal, and to process the payment data through the financial institution's payment system to obtain the payment result; and a feedback module, used to provide feedback information to the first device when the authenticity identification result is abnormal, wherein the feedback information is used to indicate the cancellation of the order information generation operation.

[0019] Optionally, when the second device detects the identification command of the target user, it obtains the verification information of the target user, compares the verification information with the business processing voucher and order information, and if the comparison result is normal, it controls the control device connected to the second device to perform the opening operation.

[0020] To achieve the above objectives, according to another aspect of this application, an electronic device is provided, comprising a memory storing an executable program; and a processor for running the program, wherein the program executes the above-described business processing method during runtime.

[0021] To achieve the above objectives, according to another aspect of this application, a computer program product is provided, including computer instructions that, when executed by a processor, implement the steps of the above-described business processing method.

[0022] In this embodiment, the method involves receiving a service processing instruction sent by a target user through a first device; generating a service processing voucher on the display page of the first device based on the service processing instruction; obtaining authentication information from the target user based on the service processing voucher through the first device, wherein the authentication information includes the target user's image information, environmental information, and payment information; identifying the authenticity of the target user based on the image information and environmental information; generating order information based on the authenticity identification result; processing the order information based on the payment information to obtain a payment result; storing the service processing voucher and order information in a database if the payment result is normal; and sending the service processing voucher and order information from the database to the second device if the target user is detected performing a verification operation using a second device. The proposed device method uses a first device to obtain the user's authentication information, eliminating the need for the user to input their information on the first device. Instead, after payment, the user can directly confirm the order's validity and payment result using payment information, image information, and environmental information. Based on the order's validity and payment result, the system records the user's order information and processing voucher. When the user enters the scenic area, the processing voucher and order information can be directly sent to a second device for authentication and entry. This ensures the security and effectiveness of the transaction, thereby improving the security and effectiveness of the user's transaction process. It also solves the technical problem of low security and success rate when using financial institutions' ticketing devices. Attached Figure Description

[0023] The accompanying drawings, which form part of this application, are used to provide a further understanding of this application. The illustrative embodiments and descriptions of this application are used to explain this application and do not constitute an undue limitation of this application. In the drawings:

[0024] Figure 1 A hardware structure block diagram of a computer terminal for implementing a business processing method is shown.

[0025] Figure 2 This is a flowchart of the business processing method provided in Embodiment 1 of this application;

[0026] Figure 3 This is a schematic diagram of a business processing device provided according to Embodiment 2 of this application;

[0027] Figure 4 This is a structural block diagram of an electronic device according to an embodiment of this application. Detailed Implementation

[0028] It should be noted that, unless otherwise specified, the embodiments and features described in this application can be combined with each other. This application will now be described in detail with reference to the accompanying drawings and embodiments.

[0029] To enable those skilled in the art to better understand the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present application, and not all embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative effort should fall within the scope of protection of the present application.

[0030] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this application are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of this application described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0031] It should be noted that the business processing methods, devices, computer program products, and electronic devices defined in this disclosure can be used in the financial technology field, or in any field other than the financial technology field. The application fields of the business processing methods, devices, computer program products, and electronic devices defined in this disclosure are not limited.

[0032] It should be noted that all information, user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, and displayed data) used in this application are information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, storage, use, processing, transmission, provision, disclosure, and application of related data all comply with the relevant laws, regulations, and standards of the relevant regions, have taken necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entry points for users to choose to authorize or refuse use. If the user chooses to refuse, the process will proceed to the expert decision-making process. For example, this system has an interface with relevant users or organizations. Before obtaining relevant information, a request to obtain the information needs to be sent to the aforementioned user or organization through the interface. After receiving consent from the aforementioned user or organization, the relevant information is obtained. Users can view the purpose of data use in real time through the authorization interface and have the right to withdraw authorization or delete data at any time. After the authorization is withdrawn, the system will terminate the relevant data processing within 24 hours.

[0033] The embodiments or examples disclosed herein are not exhaustive, but merely illustrative of some embodiments or examples, and are not intended to limit the scope of protection of this disclosure. Unless otherwise specified, each step in a particular embodiment or example can be implemented as an independent embodiment, and the steps can be arbitrarily combined. For example, a solution after removing some steps in a particular embodiment or example can also be implemented as an independent embodiment, and the order of the steps in a particular embodiment or example can be arbitrarily interchanged. Furthermore, optional methods or examples in a particular embodiment or example can be arbitrarily combined; moreover, embodiments or examples can be arbitrarily combined. For example, some or all steps of different embodiments or examples can be arbitrarily combined, and a particular embodiment or example can be arbitrarily combined with optional methods or examples of other embodiments or examples.

[0034] Example 1

[0035] According to an embodiment of this application, an embodiment of a business processing method is also provided. It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions. Furthermore, although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in a different order than that shown here.

[0036] The method embodiment provided in Embodiment 1 of this application can be executed on a mobile terminal, computer terminal, or similar computing device. Figure 1 A hardware structure block diagram of a computer terminal for implementing a business processing method is shown. Figure 1 As shown, the computer terminal 10 (or mobile device) may include one or more processors 102 (shown as 102a, 102b, ..., 102n in the figure) 102 (processor 102 may include, but is not limited to, processing devices such as microprocessors or programmable logic devices), a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it may also include: a display, an input / output interface, a universal serial bus port (which may be included as one of the ports of a BUS bus), a network interface, a power supply, and / or a camera. Those skilled in the art will understand that... Figure 1 The structure shown is for illustrative purposes only and does not limit the structure of the aforementioned electronic device. For example, computer terminal 10 may also include... Figure 1 The more or fewer components shown, or having the same Figure 1 The different configurations shown.

[0037] It should be noted that the aforementioned one or more processors 102 and / or other data processing circuits are generally referred to herein as "data processing circuits". These data processing circuits may be embodied, in whole or in part, in software, hardware, firmware, or any other combination thereof. Furthermore, the data processing circuits may be a single, independent processing module, or may be integrated, in whole or in part, into any other element within the computer terminal 10 (or mobile device). As involved in the embodiments of this application, the data processing circuits serve as a processor control mechanism (e.g., selection of a variable resistor termination path connected to an interface).

[0038] The memory 104 can be used to store software programs and modules of application software, such as the program instructions / data storage device corresponding to the business processing method in this embodiment. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, thereby realizing the aforementioned business processing method. The memory 104 may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory 104 may further include memory remotely located relative to the processor 102, and these remote memories can be connected to the computer terminal 10 via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0039] The transmission device 106 is used to receive or send data via a network. Specific examples of the network described above may include a wireless network provided by the communication provider of the computer terminal 10. In one example, the transmission device 106 includes a Network Interface Controller (NIC), which can connect to other network devices via a base station to communicate with the Internet. In another example, the transmission device 106 may be a Radio Frequency (RF) module, used for wireless communication with the Internet.

[0040] The display may be, for example, a touchscreen LCD display that allows the user to interact with the user interface of the computer terminal 10 (or mobile device).

[0041] Under the aforementioned operating environment, this application provides the following: Figure 2 The business processing method is shown. Figure 2 This is a flowchart of the business processing method provided in Embodiment 1 of this application, such as... Figure 2 As shown, the method includes:

[0042] Step S201: Receive the service processing instruction sent by the target user through the first device.

[0043] It should be noted that the execution entity in this embodiment can be a server or control system connected to the first device and the second device. The system can perform business processing operations for the user based on the information received by the first device, and can also synchronize the business processing results to the second device, so that the user can directly complete identity verification and enter the scenic area based on the second device.

[0044] It should be noted that the target users refer to customers who use financial service equipment to conduct business, such as ticket purchases. The primary equipment can be a smart operating terminal of a financial institution, used to receive the user's business instructions and authentication information.

[0045] Optionally, when a user is processing a business transaction, they can send a business processing instruction by interacting with the first device, so that the system can identify the business transaction being processed by the user and perform the business processing operation according to the business execution process.

[0046] Step S202: Generate a business processing certificate on the display page of the first device according to the business processing instruction, and obtain the authentication information fed back by the target user based on the business processing certificate through the first device. The authentication information includes the target user's image information, environmental information and payment information.

[0047] It should be noted that the business processing voucher can be temporary information generated based on the business processing instruction, and may contain details of the business product and payment information to be confirmed. Authentication information can be information returned by the target user through various authentication methods provided by the first device (such as facial recognition, voiceprint analysis, and payment password confirmation), used to verify the authenticity of the user's identity and the accuracy of the transaction. Image information refers to the facial image of the target user captured by the built-in camera of the first device, used for facial recognition. Environmental information can include data such as the user's geographical location and surrounding landscape.

[0048] Optionally, upon receiving a service processing instruction sent by the user through the first device, the service processing instruction can be parsed to determine the service product selected by the user. Based on the detailed information of the service product, such as price, quantity, and total cost, an electronic service processing voucher can be generated and displayed on the display page of the first device, allowing the user to confirm the complete information of the service product.

[0049] Furthermore, when the user confirms that the transaction voucher is normal and decides to proceed with the transaction, the first device needs to guide the user through multiple authentication processes, including but not limited to facial recognition via camera, collecting environmental information to determine the accuracy and authenticity of the transaction, and obtaining payment information (such as payment bill number) to obtain the authentication information for the transaction. Based on the authentication information, it can then be determined whether the transaction can be processed and paid for.

[0050] Step S203: Identify the authenticity of the target user based on image information and environmental information, generate order information based on the authenticity identification result, and process the order information based on payment information to obtain the payment result.

[0051] Optionally, after collecting image and environmental information, it is necessary to identify the image and environmental information to determine whether there are any anomalies in the user's identity information and whether the user's environment and location information are reasonable, thereby determining the authenticity of the current transaction operation and avoiding fraudulent business transactions or operations that violate business transaction regulations.

[0052] Optionally, after verifying the authenticity of the target user, the system will automatically generate order information, including but not limited to product information, user information, and payment requirements. Subsequently, the operating terminal will send the order information along with payment information (such as payment order number or payment voucher number) to the financial institution for verification, thereby determining whether the payment result is normal and ensuring the security and accuracy of the business payment process.

[0053] Step S204: If the payment result is normal, store the business processing voucher and order information in the database, and if the target user is detected to be performing a verification operation using the second device, send the business processing voucher and order information from the database to the second device.

[0054] Optionally, if the payment result is normal, the system will encrypt and store the transaction voucher and order information in the database. When the target user arrives at the scenic area, another smart operating terminal, i.e., a second device, will be used to verify the service. At this time, the system will retrieve the transaction voucher and order information left by the target user from the database and send them to the second device. The second device will then verify the user's identity to determine whether the user has purchased the service product. If the user has purchased the service product, the verification process will be completed and the customer will be allowed to enter the scenic area. This achieves efficient service verification while ensuring the accuracy and success rate of the verification operation.

[0055] The business processing method provided in this application embodiment involves receiving a business processing instruction sent by a target user through a first device; generating a business processing voucher on the display page of the first device according to the business processing instruction; obtaining authentication information returned by the target user based on the business processing voucher through the first device, wherein the authentication information includes the target user's image information, environmental information, and payment information; identifying the authenticity of the target user based on the image information and environmental information; generating order information based on the authenticity identification result; processing the order information based on the payment information to obtain a payment result; storing the business processing voucher and order information in a database when the payment result is normal; and retrieving the business processing voucher and order information from the database when the target user is detected using a second device to perform a verification operation. The method of sending information to a second device, by using the first device to obtain the user's authentication information, eliminates the need for the user to input their information on the first device. Instead, after completing payment, the user can directly confirm the order validity and payment result using payment information, image information, and environmental information. Based on the order validity and payment result, the system records the user's order information and processing voucher. When the user enters the scenic area, the processing voucher and order information can be directly sent to the second device for authentication and entry. This ensures the security and effectiveness of the transaction, thereby improving the security and effectiveness of the user's transaction process. This also solves the technical problem of low security and success rate when purchasing tickets through financial institutions' ticketing devices.

[0056] To ensure the compliance of business processing operations, optionally, in the business processing method provided in this application embodiment, after receiving the business processing instruction sent by the target user through the first device, the method further includes: obtaining the target user's user information and the business to be processed from the business processing instruction; determining the number of times the target user will process the business to be processed within a preset time period based on the user information, and obtaining a target number; if the target number is greater than the preset number, determining that the target user is not allowed to process the business to be processed; if the target number is less than or equal to the preset number, performing the operation of generating a business processing certificate on the display page of the first device according to the business processing instruction.

[0057] Optionally, if a certain service has processing restrictions, or if there are a large number of people handling that service, to prevent one user from frequently handling a particular service and preventing other users from doing so, it is necessary to detect the user before processing the service. First, when the target user issues a service request through the first device, the user information and the specific content of the service to be processed are parsed from the request. The user information is used for identity verification to ensure the correctness of the transaction entity; the service to be processed is the specific service the user intends to handle.

[0058] Furthermore, after obtaining the pending business, the system needs to query the database based on the user information to see how many times the target user has processed the pending business within a preset time period. If the target number is greater than the preset number, it indicates that the user is frequently processing the same business. In this case, the system will automatically reject the user's business processing request and display the rejection information to the user through the first device. This ensures that other users can process the business normally and avoids situations where a business with a quantity limit is processed by the same user, preventing other users from processing the business.

[0059] If the target number of transactions is less than or equal to the preset number of transactions, it may be due to an error by the user during the transaction process, resulting in a timeout, or the user may be re-processing the transaction. In such cases, the user may be allowed to proceed with the transaction to ensure that the user can complete the transaction normally.

[0060] This embodiment effectively balances user convenience and service security by using a transaction frequency monitoring mechanism. It not only protects the rights of target users to conduct normal transactions within a preset time period, but also prevents potential abnormal transaction behaviors, such as unauthorized ticket-grabbing by certain users, by setting reasonable limits on the number of transactions.

[0061] To accurately generate a business processing certificate, optionally, in the business processing method provided in this application embodiment, when the business processing instruction is voice information, generating a business processing certificate based on the business processing instruction on the display page of the first device includes: comparing the feature information of the voice information with the preset feature information of the target user to obtain a first comparison result; if the first comparison result indicates that the feature information of the voice information is consistent with the preset feature information of the target user, inputting the business processing instruction into a voice recognition model to obtain text information, and obtaining the business information of the business to be processed indicated by the business processing instruction from the text information; and generating a business processing certificate based on the business information.

[0062] Optionally, when the service instruction is a voice message, the system will activate a voice recognition program when the user issues the instruction via the first device. This program will capture and analyze the user's voice information, extracting its characteristic information, such as voiceprint pattern, frequency, and amplitude. Subsequently, this real-time collected characteristic information will be compared with the target user characteristic information pre-registered in the system to determine whether the voice source of this interaction truly originates from the registered user.

[0063] If the characteristics of the voice information match the preset characteristics of the target user, the system will further process the business processing instructions. Specifically, the user's voice instructions can be input into a pre-trained speech recognition model. This model learns from a large amount of voice data and can accurately convert speech into text information. The converted text information contains the user's business processing needs, thereby determining the pending business and business information that the user needs to process, such as the quantity and type of products to be purchased.

[0064] Furthermore, after determining the business information of the business to be processed, a business processing voucher can be generated based on the business information. This voucher not only summarizes the details of the business product processed by the user, but also includes information such as the total order amount, payment method options, and expected verification date.

[0065] It should be noted that the voucher generation process must adhere to established data structure standards to ensure information consistency and readability. Simultaneously, the system will perform preliminary logical checks on the generated business transaction vouchers, such as verifying the accuracy of price calculations and the availability of selected products, to guarantee the accuracy and completeness of the vouchers.

[0066] Therefore, this embodiment first confirms the operator's identity by comparing the user's voice features, effectively avoiding unauthorized access operations. It also achieves accurate conversion of voice commands into text information through a deep learning speech recognition model. Finally, the business processing voucher generated based on the parsed business information not only provides a clear transaction record but also retains information for subsequent payment and verification.

[0067] This embodiment verifies and recognizes voice information to ensure the security and accuracy of business processing operations.

[0068] To accurately generate a business processing certificate, optionally, in the business processing method provided in this application embodiment, generating a business processing certificate based on business information includes: obtaining the information filling requirements for the business to be processed; determining whether there is missing information in the business information based on the information filling requirements; if there is missing information, sending missing information acquisition information to a first device; and if supplementary information is received from the target user, generating a business processing certificate based on the supplementary information and the business information.

[0069] Optionally, when generating a business processing voucher, it is first necessary to obtain the information filling requirements for the business to be processed, and determine whether the content of the business information is complete according to the information filling requirements. The business information should include business-related information such as the quantity and type of business products, but should not include content related to user information.

[0070] If it is determined that there is missing information in the business information, such as the user not entering the quantity of the product to be purchased, then a prompt message containing the missing information needs to be generated and communicated to the user via a first device in a visual or audio format. For example, the prompt message could be: "Please enter the quantity of the product to be purchased."

[0071] After a user provides missing information through the first device, the system needs to merge the supplementary information with the original business information, perform another integrity check, and generate a complete business processing voucher based on the comprehensive information if all required information is found to be complete, thereby ensuring the accuracy and completeness of the generated business processing voucher.

[0072] This embodiment ensures the accuracy and completeness of the generated business processing vouchers by detecting business information.

[0073] To accurately determine the authenticity of a target user, optionally, in the business processing method provided in this application embodiment, identifying the authenticity of a target user based on image information and environmental information includes: comparing the image information with the target user's reserved image to obtain a second comparison result; obtaining the target environment configured with the first device and comparing the target environment with the environmental information to obtain a third comparison result; if both the second comparison result and the third comparison result indicate a match, determining that the authenticity is not abnormal; if at least one of the second comparison result and the third comparison result indicates a mismatch, determining that the authenticity is abnormal.

[0074] It should be noted that the image information can be user facial image data captured by the built-in camera of the first device, and the reserved image can be user facial images pre-stored in the system. The target environment can be the user's current environment, including geographical location, surrounding landscape and other multi-dimensional information. The environmental information can be information data related to the user's current target environment obtained by the first device through built-in sensors or external data interfaces.

[0075] Optionally, in order to accurately determine the authenticity of the target user, during the business processing, it is necessary to use the built-in camera of the first device to capture the user's facial image (image information) and immediately compare it with the target user's pre-stored image in the system. Through image processing technology and facial recognition algorithm, the similarity of facial features is analyzed, thereby determining the authenticity of the user through the analysis of the image information.

[0076] Furthermore, it is also necessary to obtain key information about the configuration environment through the first device, including but not limited to environmental factors such as geographical location and surrounding landscape, and compare it with the collected information about the user's current environment. Then, by analyzing the comparison results (i.e., the third comparison results), the rationality of the transaction situation can be evaluated. For example, it can be confirmed that the user is purchasing tickets inside or near the scenic area, rather than remotely, thereby determining the authenticity of the user's transaction through environmental information.

[0077] If both the image and environmental information are correct, the authenticity can be confirmed as normal. If one or both of the image and environmental information are abnormal, the authenticity is confirmed as abnormal. This improves the security of business processing and prevents abnormal users from processing business.

[0078] This embodiment identifies the user's authenticity through image and environmental information, thereby ensuring the security and normal processing of business.

[0079] To ensure the accuracy of payment results and the security of payment information, optionally, in the business processing method provided in this application embodiment, generating order information based on the authenticity identification result and processing the order information based on the payment information to obtain the payment result includes: if the authenticity identification result is not abnormal, generating order information based on the business processing voucher, decrypting the payment information to obtain payment data, processing the payment data through the financial institution's payment system to obtain the payment result; if the authenticity identification result is abnormal, sending a prompt message to the first device, wherein the prompt message is used to indicate the cancellation of the order information generation operation.

[0080] Optionally, during the payment stage, if the user's authenticity is confirmed to be normal, order information needs to be generated based on the voucher, and the payment information needs to be decrypted to determine if there are any anomalies in the payment data. At this time, the payment data can be processed through the financial institution's payment system to verify the payment data and determine whether the user has completed the payment operation, thereby obtaining the payment result, which can be either payment success or payment failure.

[0081] Furthermore, if the authenticity verification result indicates an anomaly, the order generation process is interrupted, and a prompt message is sent to the first device, informing the user that the transaction has a potential anomaly and requires further verification or cancellation of the transaction, thereby preventing abnormal transactions.

[0082] This embodiment ensures the accuracy and security of payment operations by processing payment information based on the authenticity identification results.

[0083] To ensure the convenience of verifying business products, optionally, in the business processing method provided in this application embodiment, when the second device detects the identification instruction of the target user, it obtains the verification information of the target user, compares the verification information with the business processing voucher and order information, and if the comparison result is normal, it controls the control device connected to the second device to perform the opening operation.

[0084] Optionally, when a target user arrives at a checkpoint within the scenic area, they can send an identification command via a camera or microphone on the second device. In response to this command, the second device will activate a data collection mode to capture the user's verification information. The collected information will then be compared with the business processing voucher and order information generated on the first device to confirm the user's identity and the validity of the order.

[0085] Furthermore, after obtaining the verification information, the second device can exchange data with the database through its internal or external communication interface, comparing the user's verification information with the user characteristics and order details in the previously generated business processing vouchers and order information, thereby confirming the user's identity and the validity of the order.

[0086] If the comparison between the verification information and the business processing voucher and order information shows no abnormalities, the system will automatically send an opening command to the control device connected to the second device, thereby enabling users to quickly complete the business product verification operation and improve verification efficiency.

[0087] This embodiment improves product verification efficiency by comparing the data collected by the second device with that collected by the first device and determining the verification result of the business product based on the comparison result.

[0088] The following is an optional scenic area cultural tourism business processing procedure using this embodiment:

[0089] Step 1: The customer logs into the terminal and completes identity verification to enter the system. The backend server pushes all cultural and tourism product information to the terminal for the customer to choose from. After the customer selects the desired cultural and tourism product, the terminal prompts the customer to choose "whether to use the intelligent voice ordering function". If the customer clicks "yes", they will enter the voice ordering interface.

[0090] Step 2: After the customer selects a product, the operating terminal displays and plays the default voice commands on the platform interface according to the product's pre-configured rules. After hearing the voice commands played by the operating terminal, the customer enters the required product information as instructed. The operating terminal collects the customer's voice signal through the microphone, generates feature values, sends them to the AI ​​server for voice command recognition, generates command package B, and pushes it to the backend server.

[0091] Step 3: After receiving instruction packet B, the backend server 2 parses and generates order information according to the rules, and pushes it to the operating terminal to be played and displayed to the customer again, prompting the customer to continue. If the customer manually or verbally selects to continue, the facial recognition verification process begins. The operating terminal activates the facial recognition function to verify the customer's identity information. If the customer rejects the verification or the verification fails, the operating terminal exits to the product selection page. After the customer confirms the order, the operating terminal generates corresponding payment details based on the cultural tourism product information and order details, and encrypts and packages the digital signature, order number, payment order number, and other information in each payment detail into a set C, which is then pushed to the transaction authenticity verification server.

[0092] Step 4: Transaction Authenticity Verification. The server decrypts the data from set C and performs an authenticity check, using methods such as digital signatures and biometric verification. The system combines the surrounding context, including geographic coordinates, surrounding scenery, transaction quantity and amount, and tourists' usual transaction habits, to check the transactions submitted by customers. If the check passes, the result is pushed to the backend server. If suspicious activity is detected, a weighted scoring check is activated. When the score is highly suspicious (probability exceeding 70%), ticket sales are refused.

[0093] Step 5: The backend server, according to the rules agreed upon with the payment institution, packages the order number, payment order number, and other information from each order detail into a data packet and sends it to the data encryption server. After conversion, it forms a set D, which is then sent to the payment server to complete the payment process. The payment server sends the payment result to the data encryption server for encryption, converting it into a set E, and then sends set E back to the backend server. The platform decrypts the payment result according to the agreed rules, updates the order status on the backend server, and pushes it to the user terminal. The user terminal displays the payment result and announces it to the customer.

[0094] Step 6: After the customer completes the transaction, the merchant logs into the cultural tourism business processing server to confirm the order result. After confirmation, the merchant updates the order status on the backend server and pushes it back to the operation terminal. Operation terminal 1 displays the final order processing result and announces it to the customer.

[0095] Step 7: After the customer completes the order, when verifying tickets at the attraction, the merchant can use another terminal to verify the tourist's identity via facial recognition or voiceprint. The terminal obtains the tourist's information and transmits it to the backend server for verification. Once the identity verification is successful and the corresponding order information is obtained, ticket verification is automatically performed.

[0096] It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions, and although a logical order is shown in the flowchart, in some cases the steps shown or described may be executed in a different order than that shown here.

[0097] Example 2

[0098] This application also provides a business processing device. It should be noted that the business processing device of this application can be used to execute the business processing method provided in the above embodiments. The business processing device provided in this application is described below.

[0099] According to an embodiment of this application, an apparatus for implementing the above-described business processing method is also provided. Figure 3 This is a schematic diagram of a business processing device according to Embodiment 2 of this application, such as... Figure 3 As shown, the device includes:

[0100] The receiving unit 31 is used to receive the service processing instruction sent by the target user through the first device.

[0101] The first acquisition unit 32 is used to generate a business processing certificate on the display page of the first device according to the business processing instruction, and to acquire the authentication information fed back by the target user based on the business processing certificate through the first device. The authentication information includes the target user's image information, environmental information and payment information.

[0102] The identification unit 33 is used to identify the authenticity of the target user based on image information and environmental information, generate order information based on the authenticity identification result, and process the order information based on payment information to obtain the payment result.

[0103] Storage unit 34 is used to store the business processing voucher and order information in the database when the payment result is normal, and to send the business processing voucher and order information from the database to the second device when the target user is identified to perform a verification operation using the second device.

[0104] The business processing device provided in this application embodiment receives a business processing instruction sent by a target user through a first device via a receiving unit 31; a first acquisition unit 32 generates a business processing voucher on the display page of the first device according to the business processing instruction, and acquires authentication information fed back by the target user based on the business processing voucher through the first device, wherein the authentication information includes the target user's image information, environmental information, and payment information; an identification unit 33 identifies the authenticity of the target user based on the image information and environmental information, generates order information based on the authenticity identification result, and processes the order information based on the payment information to obtain a payment result; a storage unit 34 stores the business processing voucher and order information in a database when the payment result is normal, and retrieves the voucher from the database when it is detected that the target user is using a second device to perform a verification operation. The system sends the transaction voucher and order information to a second device. By using the first device to obtain the user's authentication information, the user no longer needs to enter their information on the first device. Instead, after completing payment, the user can directly confirm the order validity and payment result using payment information, image information, and environmental information. Based on the order validity and payment result, the system records the user's order information and transaction voucher. When the user enters the scenic area, the transaction voucher and order information can be directly sent to the second device for authentication and entry. This ensures the security and effectiveness of the transaction process, thereby improving the security and effectiveness of the user's transaction process. This also solves the technical problem of low security and success rate when purchasing tickets through financial institutions' ticketing devices.

[0105] Optionally, in the business processing device provided in this application embodiment, after receiving the business processing instruction sent by the target user through the first device, the device further includes: a second acquisition unit, used to acquire the target user's user information and the business to be processed from the business processing instruction; a first determination unit, used to determine the number of times the target user will process the business to be processed within a preset time period based on the user information, and obtain a target number; a second determination unit, used to determine that the target user is not allowed to process the business to be processed if the target number is greater than the preset number; and an execution unit, used to execute the operation of generating a business processing certificate on the display page of the first device according to the business processing instruction if the target number is less than or equal to the preset number.

[0106] Optionally, in the business processing device provided in this application embodiment, when the business processing instruction is voice information, the first acquisition unit 32 includes: a first comparison module, used to compare the feature information of the voice information with the preset feature information of the target user to obtain a first comparison result; a first acquisition module, used to input the business processing instruction into a voice recognition model to obtain text information when the first comparison result indicates that the feature information of the voice information is consistent with the preset feature information of the target user, and to obtain the business information of the pending business indicated by the business processing instruction from the text information; and a first generation module, used to generate a business processing certificate based on the business information.

[0107] Optionally, in the business processing device provided in this application embodiment, the first generation module includes: obtaining the information filling requirements of the business to be processed; determining whether there is missing information in the business information according to the information filling requirements; if there is missing information, sending missing information acquisition information to the first device; and if supplementary information is received from the target user, generating a business processing certificate based on the supplementary information and the business information.

[0108] Optionally, in the business processing device provided in this application embodiment, the identification unit 33 includes: a second comparison module, used to compare the image information with the reserved image of the target user to obtain a second comparison result; a second acquisition module, used to acquire the target environment configured with the first device and compare the target environment with the environment information to obtain a third comparison result; a first determination module, used to determine that there is no abnormality in authenticity when both the second comparison result and the third comparison result indicate a match; and a second determination module, used to determine that there is an abnormality in authenticity when at least one of the second comparison result and the third comparison result indicates a mismatch.

[0109] Optionally, in the business processing device provided in this application embodiment, the identification unit 33 includes: a second generation module, used to generate order information based on the business processing voucher when the authenticity identification result is not abnormal, and to decrypt the payment information to obtain payment data, and to process the payment data through the payment system of a financial institution to obtain a payment result; and a feedback module, used to provide feedback information to the first device when the authenticity identification result is abnormal, wherein the feedback information is used to indicate the cancellation of the order information generation operation.

[0110] Optionally, in the business processing device provided in this application embodiment, when the second device detects the identification instruction of the target user, it obtains the verification information of the target user, compares the verification information with the business processing voucher and order information, and if the comparison result is normal, it controls the control device connected to the second device to perform the opening operation.

[0111] It should be noted that the receiving unit 31, the first acquiring unit 32, the identification unit 33, and the storage unit 34 mentioned above correspond to steps S201 to S204 in Embodiment 1. The instances and application scenarios implemented by each of the above units and the corresponding steps are the same, but are not limited to the content disclosed in Embodiment 1. It should be noted that the above modules or units can be hardware components or software components stored in memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n). The above modules can also be part of the device and can run in the computer terminal 10 provided in Embodiment 1.

[0112] Example 3

[0113] Embodiments of this application may provide an electronic device. Figure 4 This is a structural block diagram of an electronic device according to an embodiment of this application. Figure 4 As shown, the electronic device may include: one or more ( Figure 4 (Only one is shown) processor 1002, memory 1004, memory controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0114] The memory can be used to store software programs and modules, such as the program instructions / modules corresponding to the methods and apparatus in the embodiments of this application. The processor executes various functional applications and data processing by running the software programs and modules stored in the memory, thereby implementing the above-described methods. The memory may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include memory remotely located relative to the processor, and these remote memories can be connected to the terminal via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0115] Those skilled in the art will understand that Figure 4 The structure shown is for illustrative purposes only. Electronic devices can also be smartphones, tablets, handheld computers, mobile internet devices (MIDs), PADs, and other terminal devices. Figure 4 This does not limit the structure of the aforementioned electronic device. For example, electronic devices may also include components that are more... Figure 4 The more or fewer components shown (such as network interfaces, display devices, etc.), or having the same Figure 4 The different configurations shown.

[0116] Those skilled in the art will understand that all or part of the steps in the various methods of the above embodiments can be implemented by a program instructing the hardware related to the terminal device. The program can be stored in a computer-readable storage medium, which may include: flash drive, read-only memory (ROM), random access memory (RAM), disk or optical disk, etc.

[0117] Example 4

[0118] Embodiments of this application also provide a storage medium. Optionally, in this embodiment, the storage medium can be used to store the program code executed by the business processing method provided in Embodiment 1.

[0119] Optionally, in this embodiment, the storage medium may be located in any computer terminal in a group of computer terminals in a computer network, or in any mobile terminal in a group of mobile terminals.

[0120] Embodiments of this application also provide a computer program product, which, when executed on a data processing device, is a program adapted to perform the steps of a business processing method.

[0121] Embodiments of this application also provide a computer-readable storage medium, which includes a stored executable program, wherein the executable program controls the device where the computer-readable storage medium is located to perform the above-described business processing method when it runs.

[0122] The sequence numbers of the embodiments in this application are for descriptive purposes only and do not represent the superiority or inferiority of the embodiments.

[0123] In the above embodiments of this application, the descriptions of each embodiment have different focuses. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions of other embodiments.

[0124] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. The device embodiments described above are merely illustrative; for example, the division of units is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the displayed or discussed mutual coupling, direct coupling, or communication connection may be through some interfaces; the indirect coupling or communication connection between units or modules may be electrical or other forms.

[0125] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0126] Furthermore, the functional units in the various embodiments of this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0127] If the integrated unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of this application. The aforementioned storage medium includes various media capable of storing program code, such as a USB flash drive, read-only memory (ROM), random access memory (RAM), portable hard drive, magnetic disk, or optical disk.

[0128] The above description is only a preferred embodiment of this application. It should be noted that for those skilled in the art, several improvements and modifications can be made without departing from the principle of this application, and these improvements and modifications should also be considered within the scope of protection of this application.

Claims

1. A business processing method, characterized in that, include: Receive service processing instructions sent by the target user through the first device; A business processing certificate is generated on the display page of the first device according to the business processing instruction, and the authentication information fed back by the target user based on the business processing certificate is obtained through the first device. The authentication information includes the target user's image information, environmental information and payment information. The authenticity of the target user is identified based on the image information and the environmental information. Order information is generated based on the authenticity identification result, and the order information is processed based on the payment information to obtain the payment result. If the payment result is normal, the transaction processing voucher and the order information are stored in the database. If the target user is detected to be performing a verification operation using the second device, the transaction processing voucher and the order information are sent from the database to the second device.

2. The method according to claim 1, characterized in that, After receiving the service processing instruction sent by the target user through the first device, the method further includes: Obtain the target user's user information and the pending business from the business processing instruction; Based on the user information, determine the number of times the target user will handle the pending business within a preset time period, and obtain the target number; If the target number of times exceeds the preset number of times, it is determined that the target user is not allowed to process the pending business. If the target number is less than or equal to the preset number, the operation of generating a business processing certificate on the display page of the first device according to the business processing instruction is performed.

3. The method according to claim 1, characterized in that, When the service processing instruction is a voice message, generating a service processing certificate on the display page of the first device based on the service processing instruction includes: The feature information of the voice information is compared with the preset feature information of the target user to obtain a first comparison result; If the feature information representing the voice information in the first comparison result is consistent with the preset feature information of the target user, the business processing instruction is input into the voice recognition model to obtain text information, and the business information of the business to be processed indicated by the business processing instruction is obtained from the text information. The business processing certificate is generated based on the business information.

4. The method according to claim 3, characterized in that, Generating the business processing voucher based on the business information includes: Obtain the information filling requirements for the pending business; Determine whether there is any missing information in the business information based on the information filling requirements; If the missing information exists, send missing information retrieval information to the first device; Upon receiving supplementary information from the target user, the service processing certificate is generated based on the supplementary information and the service information.

5. The method according to claim 1, characterized in that, Identifying the authenticity of the target user based on the image information and the environmental information includes: The image information is compared with the reserved image of the target user to obtain a second comparison result; Obtain the target environment for configuring the first device, and compare the target environment with the environment information to obtain a third comparison result; If both the second comparison result and the third comparison result indicate a match, it is determined that the authenticity is not abnormal. If at least one of the characteristics in the second comparison result and the third comparison result does not match, it is determined that the authenticity is abnormal.

6. The method according to claim 1, characterized in that, Order information is generated based on the authenticity verification result, and the order information is processed according to the payment information to obtain the payment result, including: If the authenticity verification result shows no abnormalities, the order information is generated based on the business processing voucher, and the payment information is decrypted to obtain payment data. The payment data is then processed through the financial institution's payment system to obtain the payment result. If the authenticity verification result is abnormal, a prompt message is sent to the first device, wherein the prompt message is used to indicate that the operation of generating the order information is cancelled.

7. The method according to claim 1, characterized in that, When the second device detects the identification command of the target user, it obtains the verification information of the target user, compares the verification information with the business processing voucher and the order information, and if the comparison result is normal, it controls the control device connected to the second device to perform the opening operation.

8. A business processing device, characterized in that, include: The receiving unit is used to receive service processing instructions sent by the target user through the first device; The first acquisition unit is configured to generate a business processing certificate on the display page of the first device according to the business processing instruction, and acquire the authentication information fed back by the target user according to the business processing certificate through the first device, wherein the authentication information includes the target user's image information, environmental information and payment information; The identification unit is used to identify the authenticity of the target user based on the image information and the environmental information, generate order information based on the authenticity identification result, and process the order information based on the payment information to obtain the payment result; The storage unit is configured to store the transaction processing voucher and the order information in a database when the payment result is normal, and to send the transaction processing voucher and the order information from the database to the second device when the target user is detected to be performing a verification operation using the second device.

9. A computer program product comprising computer instructions, characterized in that, When the computer instructions are executed by the processor, they implement the steps of the business processing method according to any one of claims 1 to 7.

10. An electronic device, characterized in that, include: Memory, which stores executable programs; A processor for running the program, wherein the program executes the business processing method according to any one of claims 1 to 7 when it runs.

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