CN107341657A - Payment process method, apparatus and terminal based on application program - Google Patents
Payment process method, apparatus and terminal based on application program Download PDFInfo
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- CN107341657A CN107341657A CN201710482866.4A CN201710482866A CN107341657A CN 107341657 A CN107341657 A CN 107341657A CN 201710482866 A CN201710482866 A CN 201710482866A CN 107341657 A CN107341657 A CN 107341657A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
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Abstract
The disclosure is directed to a kind of payment process method, apparatus and terminal based on application program, wherein, this method includes：When detecting that charge situation occurs for the application program currently run, display reminding information, prompt message is used to prompt the user whether that confirmation is paid；The first voice messaging of user is obtained, the first voice messaging is what user sent according to prompt message；When it is determined that the first voice messaging is confirms the voice of payment, it is determined that the means of payment with application program binding, and deducted fees according to the means of payment that application program is bound.So as to provide a kind of payment methods of interactive voice, interactive voice is carried out between terminal and user, terminal is defined as the current service of application program according to the voice messaging of user and paid, and then no longer needs the application program of the manually operated terminal of user to go to be paid.And then the both hands of user can be liberated, the application program of user-friendly terminal and terminal, improve Consumer's Experience.
Description
Technical field
This disclosure relates to field of terminal technology, more particularly to payment process method, apparatus and terminal based on application program.
Background technology
With the development of terminal, each Terminal Type, such as smart mobile phone, tablet personal computer, PC etc., have become people
Schedule live and work important tool.User can be communicated with using terminal, Query Information, shopping etc..Wherein, use
Family is increasingly dependent on terminal, completes the purchase of various product.For example, the application program of the audio frequency and video class of user's using terminal is entered
When row listens song or viewing video, this kind of application program often needs to be charged for some audio frequency and video, and then user can
To carry out listening song or viewing video after payment.For another example when some application programs of user's using terminal, generally require
The purchase of product is carried out after payment, and then user can pay and buy product afterwards.
In correlation technique, the types of applications program in user's using terminal go carry out product purchase when, it is necessary to
The manually operated terminal of user, go to open the operation interface of application program；Then user needs click terminal screen to carry out operating it
Afterwards, go to complete charge.
But in correlation technique, when the types of applications program in user's using terminal goes to carry out the purchase of product,
The manually operated terminal of user is needed to go to complete the purchase of product, for example, application program of the user in the audio frequency and video class of using terminal
When carrying out listening song, it is necessary to the application of the manually operated terminal of user when terminal will play the song for needing to charge
Program goes to be paid.And then it is not easy to liberate the both hands of user, the application program of user's using terminal and terminal is not easy to,
Reduce Consumer's Experience.
The content of the invention
Need the manually operated terminal of user to go to complete the purchase of product present in correlation technique to overcome, be not easy to liberate
The problem of both hands of user, the disclosure provide a kind of payment process method, apparatus and terminal based on application program.
According to the first aspect of the embodiment of the present disclosure, there is provided a kind of payment process method based on application program, including：
When detecting that charge situation occurs for the application program currently run, display reminding information, the prompt message is used
In prompting the user whether that confirmation is paid；
The first voice messaging of the user is obtained, first voice messaging is the user according to the prompt message
Send；
When it is determined that first voice messaging is confirms the voice of payment, it is determined that the payment with application program binding
Mode, and deducted fees according to the means of payment bound with the application program.
Further, the means of payment of the determination and application program binding, including：
Judge whether unique with the means of payment of application program binding；
If it is determined that it is not unique, then generate and play voice reminder information, the voice reminder information representation prompts the use
Family selects the means of payment；
The second voice messaging of the user is obtained, and extracts the means of payment letter carried in second voice messaging
Breath；
The means of payment that the basis is bound with the application program is deducted fees, including：
It is determined that with the means of payment corresponding to the means of payment information that is characterized in second voice messaging, and according to the branch
The mode of paying is deducted fees.
Further, methods described, in addition to：
If it is determined that it is unique, then perform the step of means of payment that the basis is bound with the application program is deducted fees.
Further, the prompt message is information of voice prompt.
Further, described when it is determined that first voice messaging is confirms the voice of payment, it is determined that being answered with described
Before the means of payment of programmatic binding, in addition to：
Detect the voiceprint in first voice messaging；
According to vocal print storehouse corresponding with the application program, whether the voiceprint is judged by checking, wherein, it is described
Vocal print storehouse includes at least one voiceprint with application program binding；
When it is determined that there is the voiceprint in vocal print storehouse corresponding with the application program, the voiceprint is determined
By checking, and execution is described when it is determined that first voice messaging is confirms the voice of payment, it is determined that applying journey with described
The step of means of payment of sequence binding.
Further, it is described detecting that charge situation occurs for the application program currently run when, display reminding information
Before, in addition to：
Binding instruction is obtained, the binding instruction includes means of payment mark and application program identification；
According to it is described binding instruct, will application program corresponding with the application program identification, and with the means of payment
The means of payment is bound corresponding to mark.
The technical scheme provided by this disclosed embodiment can include the following benefits：By detecting current operation
Application program occur charge situation when, display reminding information, prompt message be used for prompt the user whether that confirmation is paid；Obtain
First voice messaging at family is taken, the first voice messaging is what user sent according to prompt message；It is determined that the first voice messaging
During to confirm the voice of payment, it is determined that the means of payment with application program binding, and according to the payer bound with application program
Formula is deducted fees.So as to provide a kind of payment methods of interactive voice, interactive voice, terminal root are carried out between terminal and user
It is defined as the current service of application program according to the voice messaging of user to be paid, and then no longer needs the manually operated terminal of user
Application program go to be paid.And then the both hands of user can be liberated, the application journey of user-friendly terminal and terminal
Sequence, improve Consumer's Experience.
According to the second aspect of the embodiment of the present disclosure, there is provided a kind of payment process device based on application program, including：
Reminding module, it is configured as when detecting that charge situation occurs for the application program currently run, display reminding letter
Breath, the prompt message are used to prompt the user whether that confirmation is paid；
Acquisition module, is configured as obtaining the first voice messaging of the user, and first voice messaging is the use
Family is sent according to the prompt message；
Deduct fees module, be configured as when it is determined that first voice messaging is confirms the voice of payment, it is determined that with it is described
The means of payment of application program binding, and deducted fees according to the means of payment bound with the application program.
Further, the module of deducting fees, including：
Judging submodule, it is configured as when it is determined that first voice messaging is confirms the voice of payment, judgement and institute
Whether the means of payment for stating application program binding is unique；
Prompting submodule, it is configured as if it is determined that not unique, then generating and playing voice reminder information, the voice reminder
Information representation prompts the user to select the means of payment；
Acquisition submodule, is configured as obtaining the second voice messaging of the user, and extracts second voice messaging
The means of payment information of middle carrying；
First deducts fees submodule, and it is right with the means of payment information institute that is characterized in second voice messaging to be configured to determine that
The means of payment answered, and deducted fees according to the means of payment.
Further, the module of deducting fees, in addition to：
Second deducts fees submodule, is configured as if it is determined that unique, then according to and application program binding the means of payment
Deducted fees.
Further, the prompt message is information of voice prompt.
Further, described device, in addition to：
Authentication module, it is configured as in the module of deducting fees it is determined that the voice that first voice messaging is paid for confirmation
When, it is determined that with before the means of payment of application program binding, detecting the voiceprint in first voice messaging；According to
Vocal print storehouse corresponding with the application program, whether the voiceprint is judged by checking, wherein, the vocal print storehouse includes
With at least one voiceprint of application program binding；It is determined that having institute in vocal print storehouse corresponding with the application program
When stating voiceprint, the voiceprint is determined by checking, and module of being deducted fees described in execution.
Further, described device, in addition to：
Binding module, it is configured as detecting that charge situation occurs for the application program currently run in the reminding module
When, before display reminding information, obtain binding instruction, the binding instruction includes the means of payment and identified and application program identification；
Instructed according to the binding, will application program corresponding with the application program identification, it is and corresponding with means of payment mark
The means of payment bound.
The technical scheme provided by this disclosed embodiment can include the following benefits：By detecting current operation
Application program occur charge situation when, display reminding information, prompt message be used for prompt the user whether that confirmation is paid；Obtain
First voice messaging at family is taken, the first voice messaging is what user sent according to prompt message；It is determined that the first voice messaging
During to confirm the voice of payment, it is determined that the means of payment with application program binding, and according to the payer bound with application program
Formula is deducted fees.So as to provide a kind of payment methods of interactive voice, interactive voice, terminal root are carried out between terminal and user
It is defined as the current service of application program according to the voice messaging of user to be paid, and then no longer needs the manually operated terminal of user
Application program go to be paid.And then the both hands of user can be liberated, the application journey of user-friendly terminal and terminal
Sequence, improve Consumer's Experience.
According to the third aspect of the embodiment of the present disclosure, there is provided a kind of terminal, including：
Processor, and for storing the memory of processor-executable instruction；
Wherein, the processor is configured as：When detecting that charge situation occurs for the application program currently run, display
Prompt message, the prompt message are used to prompt the user whether that confirmation is paid；The first voice messaging of the user is obtained,
The first voice messaging user sends according to the prompt message；It is determined that first voice messaging is confirmation
During the voice of payment, it is determined that the means of payment with application program binding, and according to the payment bound with the application program
Mode is deducted fees.
The technical scheme provided by this disclosed embodiment can include the following benefits：By detecting current operation
Application program occur charge situation when, display reminding information, prompt message be used for prompt the user whether that confirmation is paid；Obtain
First voice messaging at family is taken, the first voice messaging is what user sent according to prompt message；It is determined that the first voice messaging
During to confirm the voice of payment, it is determined that the means of payment with application program binding, and according to the payer bound with application program
Formula is deducted fees.So as to provide a kind of payment methods of interactive voice, interactive voice, terminal root are carried out between terminal and user
It is defined as the current service of application program according to the voice messaging of user to be paid, and then no longer needs the manually operated terminal of user
Application program go to be paid.And then the both hands of user can be liberated, the application journey of user-friendly terminal and terminal
Sequence, improve Consumer's Experience.
It should be appreciated that the general description and following detailed description of the above are only exemplary and explanatory, not
The disclosure can be limited.
Brief description of the drawings
Accompanying drawing herein is merged in specification and forms the part of this specification, shows the implementation for meeting the present invention
Example, and for explaining principle of the invention together with specification.
Fig. 1 is a kind of payment process embodiment of the method one based on application program according to an exemplary embodiment
Flow chart；
Fig. 2 is a kind of payment process embodiment of the method two based on application program according to an exemplary embodiment
Flow chart；
Fig. 3 is a kind of payment process device embodiment three based on application program according to an exemplary embodiment
Block diagram；
Fig. 4 is a kind of payment process device embodiment four based on application program according to an exemplary embodiment
Block diagram；
Fig. 5 is a kind of block diagram of the entity of terminal according to an exemplary embodiment；
Fig. 6 is a kind of block diagram of terminal device 800 according to an exemplary embodiment.
Embodiment
Here exemplary embodiment will be illustrated in detail, its example is illustrated in the accompanying drawings.Following description is related to
During accompanying drawing, unless otherwise indicated, the same numbers in different accompanying drawings represent same or analogous key element.Following exemplary embodiment
Described in embodiment do not represent and the consistent all embodiments of the present invention.On the contrary, they be only with it is such as appended
The example of the consistent apparatus and method of some aspects being described in detail in claims, of the invention.
Fig. 1 is a kind of payment process embodiment of the method one based on application program according to an exemplary embodiment
Flow chart, as shown in figure 1, the payment process method based on application program is used in terminal, the terminal includes mobile terminal, individual
Terminal etc., such as touch-screen mobile phone, tablet personal computer, PC etc., this method comprises the following steps.
In step s 11, when detecting that charge situation occurs for the application program currently run, display reminding information, institute
Prompt message is stated to be used to prompt the user whether that confirmation is paid.
In this step, during the application program in terminal operating terminal, some application programs need to be received
Take.For example, the application program of audio frequency and video class when some Voice ＆ Videos are played, it is necessary to be charged.For another example some
What the application program of outer class class needed to be charged to be taken out makes a reservation for.
So as to, when terminal detects that the application program currently run needs to be charged, a prompt message is shown, and
Prompt message is confirmed whether to be paid for prompting the user whether.Wherein, the prompt message can be that voice message is believed
Breath.
For example, user is when the application program of the audio frequency and video class of using terminal listen song or viewing video,
The application program of audio frequency and video class needs to be charged for some audio frequency and video；Listened in user using the application program of the audio frequency and video class
When song, now, the application program of the audio frequency and video class is charged for next song；This when, terminal can be with
An information of voice prompt of breaking out " charged 3 yuan, if payment is listened to by this song”.
In step s 12, obtain the first voice messaging of the user, first voice messaging be the user according to
What the prompt message was sent.
In this step, after the information of voice prompt that user receives that terminal is shown, user may determine whether into
Row payment.Then, user can send the first voice messaging, and the voice messaging characterizes whether user confirms to pay.Terminal can be with
It is connected to the first voice messaging that user sends.
In step s 13, when it is determined that first voice messaging is confirms the voice of payment, it is determined that applying journey with described
The means of payment of sequence binding, and deducted fees according to the means of payment bound with the application program.
In this step, the content in terminal recognition first voice messaging, goes to judge whether the first voice messaging is true
The voice of acceptance fee.
When it is determined that the first voice messaging is confirms the voice of payment, terminal can be determined with currently running terminal
The means of payment bound of application program.Wherein, the means of payment can use the payment funding provided in the prior art
Mode.Then, terminal can goes to be deducted fees according to the means of payment bound with the application program currently run
.
For example, when user listens song using the application program of the audio frequency and video class, now, the audio frequency and video class
Application program is charged for next song；This when, terminal can break out, and an information of voice prompt " receive by this song
Take 3 yuan, if payment is listened to”.User can send the first voice messaging " good, to confirm payment ".Terminal can receive this
First voice messaging " good, to confirm payment ", then, terminal can identify first voice messaging " good, to confirm payment "
To confirm the voice of payment；Then, terminal is entered just according to the means of payment of bound with the application program and user acquiescence
The corresponding amount of money of row is deducted fees.
The present embodiment is by when detecting that charge situation occurs for the application program currently run, display reminding information, carrying
Show that information is used to prompt the user whether that confirmation is paid；The first voice messaging of user is obtained, the first voice messaging is user
Sent according to prompt message；When it is determined that the first voice messaging is confirms the voice of payment, it is determined that bound with application program
The means of payment, and deducted fees according to the means of payment that application program is bound.So as to provide a kind of payment of interactive voice
Method, carries out interactive voice between terminal and user, terminal is defined as the current clothes of application program according to the voice messaging of user
Business is paid, and then no longer needs the application program of the manually operated terminal of user to go to be paid.And then user can be liberated
Both hands, the application program of user-friendly terminal and terminal, improve Consumer's Experience.
Fig. 2 is a kind of payment process embodiment of the method two based on application program according to an exemplary embodiment
Flow chart, as shown in Fig. 2 the payment process method based on application program is used in terminal, this method comprises the following steps.
In the step s 21, binding instruction is obtained, the binding instruction includes means of payment mark and application program identification；
Instructed according to the binding, will application program corresponding with the application program identification, it is and corresponding with means of payment mark
The means of payment bound.
In this step, user needs to be bound the application program that the means of payment may pay with future.It is first
First, user sends binding instruction to terminal, and means of payment mark and application program identification are included in binding instructs.And then eventually
End can get the binding instruction of user's transmission.
For example, the button and screen of user's touch control terminal, goes the means of payment that selection needs to be bound and answers
With program, and then the input binding instruction into terminal.Or user sends speech message " by means of payment A and application to terminal
Program B is bound ", and then the input binding instruction into terminal.
Then, terminal according to binding instruct, go application program corresponding with application program identification, and with means of payment mark
The means of payment is bound corresponding to knowledge.
In step S22, when detecting that charge situation occurs for the application program currently run, display reminding information, institute
Prompt message is stated to be used to prompt the user whether that confirmation is paid.
Wherein, the prompt message is information of voice prompt.
In this step, this step is referring to step S11.
In step S23, obtain the first voice messaging of the user, first voice messaging be the user according to
What the prompt message was sent.
In this step, this step is referring to step S12.
In step s 24, the voiceprint in first voice messaging is detected；According to corresponding with the application program
Vocal print storehouse, whether the voiceprint is judged by checking, wherein, the vocal print storehouse includes and application program binding
At least one voiceprint；When it is determined that there is the voiceprint in vocal print storehouse corresponding with the application program, institute is determined
Voiceprint is stated by checking, and performs step S25.
In this step, after the first voice messaging that terminal gets that user sends, terminal is needed to first language
Message breath is identified and verified.
First, terminal needs to detect the voiceprint in the first voice messaging.Then, due to storing one in the terminal
Individual vocal print storehouse corresponding with application program that is currently running, or, one is stored in the server being connected with terminal with working as
Vocal print storehouse corresponding to the application program of preceding operation, wherein, at least one sound with application program binding is included in the vocal print storehouse
Line information.Terminal can get vocal print storehouse corresponding with the application program currently run, then, terminal according to the vocal print storehouse,
Go to determine whether the voiceprint in the first voice messaging can be by the checking of security.Terminal goes what is judged and currently run
In vocal print storehouse corresponding to application program, if there is the voiceprint in the first voice messaging；Terminal is when it is determined that have, terminal
The voiceprint in the first voice messaging can be determined by checking, i.e., terminal can determine that the first voice messaging passes through security
Checking.Then can performs follow-up step.
Wherein it is possible to set different vocal print storehouses for application program different in terminal, can also be directed in terminal not
Same application program sets one vocal print storehouse of identical.
For example, due to storing a vocal print storehouse corresponding with the application program C currently run in the terminal, at this
Vocal print storehouse includes voiceprint 1, voiceprint 2 and the voiceprint 3 with application program binding.Terminal judges the vocal print storehouse
In, if there is the voiceprint 2 in the first voice messaging；Terminal can determine have, then terminal determines the first voice messaging
Pass through security verification.
In step s 25, when it is determined that first voice messaging is confirms the voice of payment, it is determined that applying journey with described
The means of payment of sequence binding, and deducted fees according to the means of payment bound with the application program.
Wherein, step S25 is specifically included：
Judge whether unique with the means of payment of application program binding；
If it is determined that it is not unique, then generate and play voice reminder information, the voice reminder information representation prompts the use
Family selects the means of payment；The second voice messaging of the user is obtained, and extracts the payment carried in second voice messaging
Mode information；It is determined that with the means of payment corresponding to the means of payment information that is characterized in second voice messaging, and according to this
The means of payment is deducted fees；
If it is determined that it is unique, then deducted fees according to the means of payment with application program binding.
In this step, when it is determined that the first voice messaging is confirms the voice of payment, terminal needs to confirm terminal
Whether the means of payment of the application program binding with currently running is unique.
When it is determined that the means of payment of the application program binding with currently running is not unique, terminal needs to generate terminal
One voice reminder information, the voice reminder information are used to prompt active user to go to select the means of payment；The terminal plays voice
Prompting message.Then, user is after voice reminder information is received, it may be determined that selects a means of payment, then user
Second voice messaging can be sent, the means of payment letter that user selects the means of payment is included in second voice messaging
Breath.And then terminal can get and obtain second voice messaging, then terminal extracts the payment carried in the second voice messaging
Mode information.Terminal is assured that out and the means of payment corresponding to the means of payment information that is characterized in the second voice messaging
, then terminal the corresponding amount of money carried out according to the means of payment deducted fees.
For example, terminal it is determined that with currently run application program binding the means of payment it is not unique when, or
Person, when terminal determines that user determines the acquiescence means of payment without the application program for currently running, terminal plays voice
Prompting message " you need to use means of payment a to pay, or means of payment b is paid " or " woulding you please select the means of payment "；With
After the family uppick voice reminder information, user can send second voice messaging, and " selection carries out means of payment a progress
Pay ".Then, terminal can determine that user have selected means of payment a according to the second voice messaging.Terminal is according to payer
Formula a carries out deducting fees for the corresponding amount of money.
The present embodiment is by when detecting that charge situation occurs for the application program currently run, display reminding information, carrying
Show that information is used to prompt the user whether that confirmation is paid；The first voice messaging of user is obtained, the first voice messaging is user
Sent according to prompt message；When it is determined that the first voice messaging is confirms the voice of payment, it is determined that bound with application program
The means of payment, and deducted fees according to the means of payment that application program is bound.So as to provide a kind of payment of interactive voice
Method, carries out interactive voice between terminal and user, terminal is defined as the current clothes of application program according to the voice messaging of user
Business is paid, and then no longer needs the application program of the manually operated terminal of user to go to be paid.And then user can be liberated
Both hands, the application program of user-friendly terminal and terminal, improve Consumer's Experience.And it is possible to go to judge and apply
Whether the means of payment of programmatic binding is unique, is gone to select the means of payment according to the second voice messaging of user；For the voice of user
Interactive payment is provided and more easily serviced.
Fig. 3 is a kind of payment process device embodiment three based on application program according to an exemplary embodiment
Block diagram.Reference picture 3, the device include：
Reminding module 31, it is configured as when detecting that charge situation occurs for the application program currently run, display reminding
Information, the prompt message are used to prompt the user whether that confirmation is paid；
Acquisition module 32, it is configured as obtaining the first voice messaging of the user, first voice messaging is described
User sends according to the prompt message；
Module of deducting fees 33, it is configured as when it is determined that first voice messaging is confirms the voice of payment, it is determined that and institute
The means of payment of application program binding is stated, and is deducted fees according to the means of payment bound with the application program.
On the device in above-described embodiment, wherein modules perform the concrete mode of operation in relevant this method
Embodiment in be described in detail, explanation will be not set forth in detail herein.
The present embodiment is by when detecting that charge situation occurs for the application program currently run, display reminding information, carrying
Show that information is used to prompt the user whether that confirmation is paid；The first voice messaging of user is obtained, the first voice messaging is user
Sent according to prompt message；When it is determined that the first voice messaging is confirms the voice of payment, it is determined that bound with application program
The means of payment, and deducted fees according to the means of payment that application program is bound.So as to provide a kind of payment of interactive voice
Method, carries out interactive voice between terminal and user, terminal is defined as the current clothes of application program according to the voice messaging of user
Business is paid, and then no longer needs the application program of the manually operated terminal of user to go to be paid.And then user can be liberated
Both hands, the application program of user-friendly terminal and terminal, improve Consumer's Experience.
On the basis of the embodiment shown in above-mentioned Fig. 3, Fig. 4 is that one kind according to an exemplary embodiment is based on answering
With the block diagram of the payment process device embodiment four of program.Reference picture 4, the device that the present embodiment provides, the module 33 of deducting fees,
Including：
Judging submodule 331, be configured as it is determined that first voice messaging for confirm payment voice when, judge with
Whether the means of payment of the application program binding is unique；
Prompting submodule 332, it is configured as if it is determined that not unique, then generating and playing voice reminder information, the voice
Prompting message, which characterizes, prompts the user to select the means of payment；
Acquisition submodule 333, is configured as obtaining the second voice messaging of the user, and extracts the second voice letter
The means of payment information carried in breath；
First deducts fees submodule 334, is configured to determine that the means of payment information with being characterized in second voice messaging
The corresponding means of payment, and deducted fees according to the means of payment.
Second deducts fees submodule 335, is configured as after judging submodule 331 if it is determined that unique, then according to it is described
The means of payment of application program binding is deducted fees.
Wherein, the prompt message is information of voice prompt.
The device that the present embodiment provides, in addition to：
Authentication module 41, it is configured as in the module 33 of deducting fees it is determined that first voice messaging is confirmation payment
During voice, it is determined that with before the means of payment of application program binding, detecting the voiceprint in first voice messaging；
According to vocal print storehouse corresponding with the application program, whether the voiceprint is judged by checking, wherein, in the vocal print storehouse
Including at least one voiceprint bound with the application program；It is determined that having in vocal print storehouse corresponding with the application program
When having the voiceprint, the voiceprint is determined by checking, and module 33 of being deducted fees described in execution.
Binding module 42, it is configured as detecting that the application program currently run charges in the reminding module 31
During situation, before display reminding information, binding instruction is obtained, the binding instruction includes means of payment mark and application program mark
Know；According to it is described binding instruct, will application program corresponding with the application program identification, and with the means of payment mark pair
The means of payment answered is bound.
On the device in above-described embodiment, wherein modules perform the concrete mode of operation in relevant this method
Embodiment in be described in detail, explanation will be not set forth in detail herein.
The present embodiment is by when detecting that charge situation occurs for the application program currently run, display reminding information, carrying
Show that information is used to prompt the user whether that confirmation is paid；The first voice messaging of user is obtained, the first voice messaging is user
Sent according to prompt message；When it is determined that the first voice messaging is confirms the voice of payment, it is determined that bound with application program
The means of payment, and deducted fees according to the means of payment that application program is bound.So as to provide a kind of payment of interactive voice
Method, carries out interactive voice between terminal and user, terminal is defined as the current clothes of application program according to the voice messaging of user
Business is paid, and then no longer needs the application program of the manually operated terminal of user to go to be paid.And then user can be liberated
Both hands, the application program of user-friendly terminal and terminal, improve Consumer's Experience.And it is possible to go to judge and apply
Whether the means of payment of programmatic binding is unique, is gone to select the means of payment according to the second voice messaging of user；For the voice of user
Interactive payment is provided and more easily serviced.
Fig. 5 is a kind of block diagram of the entity of terminal according to an exemplary embodiment.Reference picture 5, the terminal can be with
It is implemented as：Processor 71, and it is configured as storing the memory 72 of processor-executable instruction；
Wherein, the processor 71 is configured as：When detecting that charge situation occurs for the application program currently run, show
Show prompt message, the prompt message is used to prompt the user whether that confirmation is paid；Obtain the first voice letter of the user
Breath, the first voice messaging user send according to the prompt message；It is determined that first voice messaging is
When confirming the voice of payment, it is determined that the means of payment with application program binding, and according to binding with the application program
The means of payment is deducted fees.
In the above-described embodiments, it should be appreciated that the processor can be CPU (English：Central
Processing Unit, referred to as：CPU), it can also be other general processors, digital signal processor (English：Digital
Signal Processor, referred to as：DSP), application specific integrated circuit (English：Application Specific Integrated
Circuit, referred to as：ASIC) etc..General processor can be microprocessor or the processor can also be any conventional place
Device etc. is managed, and foregoing memory can be read-only storage (English：Read-only memory, abbreviation：ROM), deposit at random
Access to memory (English：Random access memory, referred to as：RAM), flash memory, hard disk or solid state hard disc.SIM
Card is also referred to as subscriber identification card, smart card, and digital mobile telephone must load onto this card and can use.I.e. in computer chip
On store the information of digital mobile phone client, the content such as the key of encryption and the telephone directory of user.With reference to of the invention real
The step of applying the method disclosed in example can be embodied directly in hardware processor and perform completion, or with the hardware in processor and
Software module combination performs completion.
On the terminal in above-described embodiment, wherein modules perform the concrete mode of operation in relevant this method
It is described in detail with the embodiment of device, explanation will be not set forth in detail herein.
The present embodiment is by when detecting that charge situation occurs for the application program currently run, display reminding information, carrying
Show that information is used to prompt the user whether that confirmation is paid；The first voice messaging of user is obtained, the first voice messaging is user
Sent according to prompt message；When it is determined that the first voice messaging is confirms the voice of payment, it is determined that bound with application program
The means of payment, and deducted fees according to the means of payment that application program is bound.So as to provide a kind of payment of interactive voice
Method, carries out interactive voice between terminal and user, terminal is defined as the current clothes of application program according to the voice messaging of user
Business is paid, and then no longer needs the application program of the manually operated terminal of user to go to be paid.And then user can be liberated
Both hands, the application program of user-friendly terminal and terminal, improve Consumer's Experience.
Fig. 6 is a kind of block diagram of terminal device 800 according to an exemplary embodiment.For example, terminal device 800 can
To be mobile phone, computer, digital broadcast terminal, messaging devices, game console, tablet device, Medical Devices, it is good for
Body equipment, personal digital assistant etc..
Reference picture 6, terminal device 800 can include following one or more assemblies：Processing component 802, memory 804,
Power supply module 806, multimedia groupware 808, audio-frequency assembly 810, the interface 812 of input/output (I/O), sensor cluster 814,
And communication component 816.
Processing component 802 generally controls the integrated operation of terminal device 800, such as leads to display, call, data
The operation that letter, camera operation and record operation are associated.Processing component 802 can include one or more processors 820 to hold
Row instruction, to complete all or part of step of above-mentioned method.In addition, processing component 802 can include one or more moulds
Block, the interaction being easy between processing component 802 and other assemblies.For example, processing component 802 can include multi-media module, with
Facilitate the interaction between multimedia groupware 808 and processing component 802.
Memory 804 is configured as storing various types of data to support the operation in terminal device 800.These data
Example include being used for the instruction of any application program or method operated on terminal device 800, contact data, telephone directory
Data, message, picture, video etc..Memory 804 can by any kind of volatibility or non-volatile memory device or it
Combination realize, as static RAM (SRAM), Electrically Erasable Read Only Memory (EEPROM) are erasable
Except programmable read only memory (EPROM), programmable read only memory (PROM), read-only storage (ROM), magnetic memory, soon
Flash memory, disk or CD.
Power supply module 806 provides electric power for the various assemblies of terminal device 800.Power supply module 806 can include power supply pipe
Reason system, one or more power supplys, and other components associated with generating, managing and distributing electric power for terminal device 800.
Multimedia groupware 808 is included in the screen of one output interface of offer between the terminal device 800 and user.
In certain embodiments, screen can include liquid crystal display (LCD) and touch panel (TP).If screen includes touch surface
Plate, screen may be implemented as touch-screen, to receive the input signal from user.Touch panel includes one or more touch
Sensor is with the gesture on sensing touch, slip and touch panel.The touch sensor can not only sensing touch or slip
The border of action, but also detect the duration and pressure related to the touch or slide.In certain embodiments,
Multimedia groupware 808 includes a front camera and/or rear camera.When terminal device 800 is in operator scheme, such as clap
When taking the photograph pattern or video mode, front camera and/or rear camera can receive outside multi-medium data.It is each preposition
Camera and rear camera can be a fixed optical lens system or have focusing and optical zoom capabilities.
Audio-frequency assembly 810 is configured as output and/or input audio signal.For example, audio-frequency assembly 810 includes a Mike
Wind (MIC), when terminal device 800 is in operator scheme, during such as call model, logging mode and speech recognition mode, microphone
It is configured as receiving external audio signal.The audio signal received can be further stored in memory 804 or via logical
Letter component 816 is sent.In certain embodiments, audio-frequency assembly 810 also includes a loudspeaker, for exports audio signal.
I/O interfaces 812 provide interface between processing component 802 and peripheral interface module, and above-mentioned peripheral interface module can
To be keyboard, click wheel, button etc..These buttons may include but be not limited to：Home button, volume button, start button and lock
Determine button.
Sensor cluster 814 includes one or more sensors, for providing the state of various aspects for terminal device 800
Assess.For example, sensor cluster 814 can detect opening/closed mode of terminal device 800, the relative positioning of component, example
Such as the display and keypad that the component is terminal device 800, sensor cluster 814 can with detection terminal equipment 800 or
The position of 800 1 components of terminal device changes, the existence or non-existence that user contacts with terminal device 800, terminal device 800
The temperature change of orientation or acceleration/deceleration and terminal device 800.Sensor cluster 814 can include proximity transducer, be configured
For detecting the presence of object nearby in no any physical contact.Sensor cluster 814 can also include optical sensor,
Such as CMOS or ccd image sensor, for being used in imaging applications.In certain embodiments, the sensor cluster 814 may be used also
With including acceleration transducer, gyro sensor, Magnetic Sensor, pressure sensor or temperature sensor.
Communication component 816 is configured to facilitate the communication of wired or wireless way between terminal device 800 and other equipment.
Terminal device 800 can access the wireless network based on communication standard, such as WiFi, 2G or 3G, or combinations thereof.Show at one
In example property embodiment, communication component 816 receives broadcast singal or broadcast from external broadcasting management system via broadcast channel
Relevant information.In one exemplary embodiment, the communication component 816 also includes near-field communication (NFC) module, short to promote
Cheng Tongxin.For example, radio frequency identification (RFID) technology, Infrared Data Association (IrDA) technology, ultra wide band can be based in NFC module
(UWB) technology, bluetooth (BT) technology and other technologies are realized.
In the exemplary embodiment, terminal device 800 can be by one or more application specific integrated circuits (ASIC), number
Word signal processor (DSP), digital signal processing appts (DSPD), PLD (PLD), field programmable gate array
(FPGA), controller, microcontroller, microprocessor or other electronic components are realized, for performing the above method.
In the exemplary embodiment, a kind of non-transitorycomputer readable storage medium including instructing, example are additionally provided
Such as include the memory 804 of instruction, above-mentioned instruction can be performed to complete the above method by the processor 820 of terminal device 800.Example
Such as, the non-transitorycomputer readable storage medium can be ROM, it is random access memory (RAM), CD-ROM, tape, soft
Disk and optical data storage devices etc..
A kind of non-transitorycomputer readable storage medium, when the instruction in the storage medium is by the processing of mobile terminal
When device performs so that mobile terminal is able to carry out a kind of payment process method based on application program, including：
When detecting that charge situation occurs for the application program currently run, display reminding information, the prompt message is used
In prompting the user whether that confirmation is paid；
The first voice messaging of the user is obtained, first voice messaging is the user according to the prompt message
Send；
When it is determined that first voice messaging is confirms the voice of payment, it is determined that the payment with application program binding
Mode, and deducted fees according to the means of payment bound with the application program.
Those skilled in the art will readily occur to the present invention its after considering specification and putting into practice invention disclosed herein
Its embodiment.The application be intended to the present invention any modification, purposes or adaptations, these modifications, purposes or
Person's adaptations follow the general principle of the present invention and including the undocumented common knowledges in the art of the disclosure
Or conventional techniques.Description and embodiments are considered only as exemplary, and true scope and spirit of the invention are by following
Claim is pointed out.
It should be appreciated that the invention is not limited in the precision architecture for being described above and being shown in the drawings, and
And various modifications and changes can be being carried out without departing from the scope.The scope of the present invention is only limited by appended claim.
Claims (13)
- A kind of 1. payment process method based on application program, it is characterised in that including：When detecting that charge situation occurs for the application program currently run, display reminding information, the prompt message is used to carry Show whether user confirms to be paid；The first voice messaging of the user is obtained, first voice messaging is that the user sends according to the prompt message 's；When it is determined that first voice messaging is confirms the voice of payment, it is determined that the payer with application program binding Formula, and deducted fees according to the means of payment bound with the application program.
- 2. according to the method for claim 1, it is characterised in that the payer of the determination and application program binding Formula, including：Judge whether unique with the means of payment of application program binding；If it is determined that it is not unique, then generate and play voice reminder information, the voice reminder information representation prompts user's choosing Select the means of payment；The second voice messaging of the user is obtained, and extracts the means of payment information carried in second voice messaging；The means of payment that the basis is bound with the application program is deducted fees, including：It is determined that with the means of payment corresponding to the means of payment information that is characterized in second voice messaging, and according to the payer Formula is deducted fees.
- 3. according to the method for claim 2, it is characterised in that methods described, in addition to：If it is determined that it is unique, then perform the step of means of payment that the basis is bound with the application program is deducted fees.
- 4. according to the method for claim 1, it is characterised in that the prompt message is information of voice prompt.
- 5. according to the method described in claim any one of 1-4, it is characterised in that described it is determined that first voice messaging During to confirm the voice of payment, it is determined that before the means of payment bound with the application program, in addition to：Detect the voiceprint in first voice messaging；According to vocal print storehouse corresponding with the application program, whether the voiceprint is judged by checking, wherein, the vocal print Storehouse includes at least one voiceprint with application program binding；When it is determined that there is the voiceprint in vocal print storehouse corresponding with the application program, determine that the voiceprint passes through Checking, and execution is described when it is determined that first voice messaging is confirms the voice of payment, it is determined that being tied up with the application program The step of fixed means of payment.
- 6. according to the method described in claim any one of 1-4, it is characterised in that including：Current operation is being detected described Application program when charge situation occurs, before display reminding information, in addition to：Binding instruction is obtained, the binding instruction includes means of payment mark and application program identification；According to it is described binding instruct, will application program corresponding with the application program identification, and with the means of payment identify The corresponding means of payment is bound.
- A kind of 7. payment process device based on application program, it is characterised in that including：Reminding module, it is configured as when detecting that charge situation occurs for the application program currently run, display reminding information, institute Prompt message is stated to be used to prompt the user whether that confirmation is paid；Acquisition module, is configured as obtaining the first voice messaging of the user, and first voice messaging is user's root Sent according to the prompt message；Deduct fees module, be configured as when it is determined that first voice messaging is confirms the voice of payment, it is determined that with the application The means of payment of programmatic binding, and deducted fees according to the means of payment bound with the application program.
- 8. device according to claim 7, it is characterised in that the module of deducting fees, including：Judging submodule, it is configured as when it is determined that first voice messaging is to confirm the voice of payment, judging to answer with described It is whether unique with the means of payment of programmatic binding；Prompting submodule, it is configured as if it is determined that not unique, then generating and playing voice reminder information, the voice reminder information Characterize and prompt the user to select the means of payment；Acquisition submodule, is configured as obtaining the second voice messaging of the user, and extracts and taken in second voice messaging The means of payment information of band；First deducts fees submodule, is configured to determine that corresponding to the means of payment information with being characterized in second voice messaging The means of payment, and deducted fees according to the means of payment.
- 9. device according to claim 8, it is characterised in that the module of deducting fees, in addition to：Second deducts fees submodule, is configured as if it is determined that unique, then according to and the means of payment of application program binding carry out Deduct fees.
- 10. device according to claim 7, it is characterised in that the prompt message is information of voice prompt.
- 11. according to the device described in claim any one of 7-10, it is characterised in that described device, in addition to：Authentication module, it is configured as in the module of deducting fees when it is determined that first voice messaging is confirms the voice of payment, It is determined that with before the means of payment of application program binding, detecting the voiceprint in first voice messaging；According to Vocal print storehouse corresponding to the application program, judge the voiceprint whether by checking, wherein, the vocal print storehouse include with At least one voiceprint of the application program binding；It is determined that having in vocal print storehouse corresponding with the application program described During voiceprint, the voiceprint is determined by checking, and module of being deducted fees described in execution.
- 12. according to the device described in claim any one of 7-10, it is characterised in that including：Described device, in addition to：Binding module, it is configured as when the reminding module is detecting that charge situation occurs for the application program currently run, Before display reminding information, binding instruction is obtained, the binding instruction includes means of payment mark and application program identification；According to It is described binding instruction, will application program corresponding with the application program identification, and it is corresponding with means of payment mark prop up The mode of paying is bound.
- A kind of 13. terminal, it is characterised in that including：Processor, and for storing the memory of processor-executable instruction；Wherein, the processor is configured as：When detecting that charge situation occurs for the application program currently run, display reminding Information, the prompt message are used to prompt the user whether that confirmation is paid；The first voice messaging of the user is obtained, it is described The first voice messaging user sends according to the prompt message；It is determined that first voice messaging is paid for confirmation Voice when, it is determined that the means of payment with application program binding, and according to the means of payment bound with the application program Deducted fees.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710482866.4A CN107341657A (en) | 2017-06-22 | 2017-06-22 | Payment process method, apparatus and terminal based on application program |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710482866.4A CN107341657A (en) | 2017-06-22 | 2017-06-22 | Payment process method, apparatus and terminal based on application program |
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| Publication Number | Publication Date |
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| CN107341657A true CN107341657A (en) | 2017-11-10 |
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| CN201710482866.4A Pending CN107341657A (en) | 2017-06-22 | 2017-06-22 | Payment process method, apparatus and terminal based on application program |
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| CN111081240A (en) * | 2019-11-18 | 2020-04-28 | 北京小米移动软件有限公司 | Voice ordering method, device and system and computer readable storage medium |
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| CN113436353A (en) * | 2021-05-11 | 2021-09-24 | 西安艾润物联网技术服务有限责任公司 | Vehicle charging method and device based on voice interaction |
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