CN111275540A

CN111275540A - Consumption credit approval method and device and terminal equipment

Info

Publication number: CN111275540A
Application number: CN202010036046.4A
Authority: CN
Inventors: 朱学超; 石文慧; 李迪; 孟亚丽; 段莹莹; 崔晓; 杨扬; 张文博
Original assignee: Henan Zhongyuan Consumption Finance Co ltd
Current assignee: Henan Zhongyuan Consumption Finance Co ltd
Priority date: 2020-01-14
Filing date: 2020-01-14
Publication date: 2020-06-12

Abstract

The invention relates to a method and a device for approving credit consumption and terminal equipment, wherein the method for approving credit consumption comprises the following steps: judging whether the user passes the early basic identity authentication; if the user passes the early basic identity authentication, acquiring a section of voice obtained by reading a specific standard character by the user; identifying the voice to obtain corresponding characters; comparing the corresponding characters with the specific standard characters read by the user; and judging a comparison result, and entering a money putting link if the comparison is passed. And the user who passes the early basic identity authentication realizes reliable and quick credit approval according to the voice acquisition, identification and authentication processes, reduces or directly replaces the step of authentication by means of telephone information of customer service personnel, and realizes the aim of safely and quickly carrying out credit approval.

Description

Consumption credit approval method and device and terminal equipment

Technical Field

The invention relates to a method and a device for examining and approving credit consumption and terminal equipment.

Background

In recent years, with the development of the internet, a plurality of internet consumer credit products are introduced, which leads to a safe and rapid loan approval mode called urgent problem to be solved. With the growth of consumer loan service user groups, the original method of confirming user information through call return to achieve safe deposit mode can lead to low deposit efficiency due to customer service staff needing to confirm the user one by one, especially when the user can not get through the call in time due to external reasons such as signals and the like. When the deposit efficiency is low, the loss of part of users can be caused. Many enterprises increase the configuration of customer service personnel to improve this, but this increases the operating costs of the enterprise.

Disclosure of Invention

The invention aims to provide a method and a device for examining and approving credit consumption and terminal equipment, which are used for solving the problem that the existing credit examination and approval efficiency is low, so that the loan efficiency is low.

In order to solve the problems, the invention adopts the following technical scheme:

a method of credit spending approval, comprising:

judging whether the user passes the early basic identity authentication;

if the user passes the early basic identity authentication, acquiring a section of voice obtained by reading a specific standard character by the user;

identifying the voice to obtain corresponding characters;

comparing the corresponding characters with the specific standard characters read by the user;

and judging a comparison result, and entering a money putting link if the comparison is passed.

Optionally, the preliminary basic identity authentication includes identity card audit, bank card authentication, face recognition authentication, authentication code authentication and transaction password authentication.

Optionally, the obtaining a speech obtained by reading a specific standard text by a user includes:

acquiring the specific standard characters;

displaying the specific standard characters to the user;

and acquiring the section of voice obtained by the user reading the specific standard characters.

Optionally, the comparing the corresponding text with the specific standard text read by the user includes:

comparing the corresponding characters with the specific standard characters read by the user to obtain the identification accuracy;

correspondingly, the judgment comparison result refers to: comparing the identification accuracy with a preset accuracy threshold;

accordingly, the alignment by means of: the recognition accuracy is greater than or equal to the accuracy threshold.

Optionally, the method of credit approval further comprises:

and if the identification accuracy is smaller than the accuracy threshold, storing the section of voice for later manual examination.

Optionally, the method of credit approval further comprises:

if the identification accuracy is smaller than the accuracy threshold, repeatedly executing the steps of obtaining a section of voice obtained by reading a specific standard character by the user, identifying the section of voice, obtaining a corresponding character, and comparing the corresponding character with the specific standard character read by the user until the repeated execution is repeated for a preset number of times;

if the recognition accuracy corresponding to the last obtained section of voice is larger than or equal to the accuracy threshold after the preset times of repeated execution, entering a money depositing link;

and if the recognition accuracy corresponding to the last obtained section of voice is still smaller than the accuracy threshold after the preset times of repeated execution, storing the last obtained section of voice for later manual review.

Optionally, the method of credit approval further comprises: and if the identification accuracy is smaller than the accuracy threshold, generating an identification of the identification error, and displaying the identification of the identification error to the user.

Optionally, the specific standard text is dynamically issued in the background and includes the latest personal information of the user.

A spending credit approval apparatus comprising:

the judging module is used for judging whether the user passes the early basic identity authentication;

the voice acquisition module is used for acquiring a section of voice obtained by reading a specific standard character by the user if the user passes the early basic identity authentication;

the voice recognition module is used for recognizing the section of voice to obtain corresponding characters;

the comparison module is used for comparing the corresponding characters with the specific standard characters read by the user;

and the money putting module is used for judging the comparison result, and entering a money putting link if the comparison result passes.

A terminal device comprising a memory, a processor and a computer program stored in said memory and executable on said processor, said processor implementing the steps of the method of credit approval as described above when executing said computer program.

The invention has the beneficial effects that: after the user passes the early basic identity authentication, voice acquisition, voice recognition and voice authentication are carried out on the user, and the user enters a money depositing link after the authentication is passed. Through adopting voice acquisition, speech recognition and voice verification's process to carry out quick credit approval, need not the customer service personnel and carry out the user and confirm one by one, promote the efficiency of putting money, and then promote the user experience, reduce or directly replace the step that relies on customer service personnel telephone information to verify, realize carrying out the purpose that the credit was approved safely fast.

Drawings

In order to more clearly illustrate the technical solution of the embodiment of the present invention, the drawings needed to be used in the embodiment will be briefly described as follows:

FIG. 1 is a schematic overall flow chart of a method for approving credit consumption according to an embodiment of the present application;

FIG. 2 is a schematic view of a first mobile phone interface corresponding to a method for credit approval provided by an embodiment of the present application;

FIG. 3 is a schematic view of a second cell phone interface corresponding to the method for credit approval according to an embodiment of the present application;

FIG. 4 is a flow chart illustrating a specific example of a method for verifying credit extended by a consumer according to an embodiment of the present application;

FIG. 5 is a schematic diagram of an approval process in which a user skips voice authentication directly;

FIG. 6 is a schematic diagram of the overall structure of the credit approval apparatus according to the second embodiment of the present application;

FIG. 7 is a schematic diagram of a specific inter-module interaction of the apparatus for credit approval of expenditure as provided in the second embodiment of the present application;

fig. 8 is a schematic structural diagram of a terminal device according to a third embodiment of the present application.

Detailed Description

In the following description, for purposes of explanation and not limitation, specific details are set forth, such as particular system structures, techniques, etc. in order to provide a thorough understanding of the embodiments of the present application. It will be apparent, however, to one skilled in the art that the present application may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present application with unnecessary detail.

It will be understood that the terms "comprises" and/or "comprising," when used in this specification and the appended claims, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof.

It should also be understood that the term "and/or" as used in this specification and the appended claims refers to and includes any and all possible combinations of one or more of the associated listed items.

As used in this specification and the appended claims, the term "if" may be interpreted contextually as "when", "upon" or "in response to" determining "or" in response to detecting ". Similarly, the phrase "if it is determined" or "if a [ described condition or event ] is detected" may be interpreted contextually to mean "upon determining" or "in response to determining" or "upon detecting [ described condition or event ]" or "in response to detecting [ described condition or event ]".

Furthermore, in the description of the present application and the appended claims, the terms "first," "second," "third," and the like are used for distinguishing between descriptions and not necessarily for describing or implying relative importance.

Reference throughout this specification to "one embodiment" or "some embodiments," or the like, means that a particular feature, structure, or characteristic described in connection with the embodiment is included in one or more embodiments of the present application. Thus, appearances of the phrases "in one embodiment," "in some embodiments," "in other embodiments," or the like, in various places throughout this specification are not necessarily all referring to the same embodiment, but rather "one or more but not all embodiments" unless specifically stated otherwise. The terms "comprising," "including," "having," and variations thereof mean "including, but not limited to," unless expressly specified otherwise.

The method for approving credit consumption provided by the embodiment of the application can be applied to mobile phones, tablet computers, wearable devices, vehicle-mounted devices, Augmented Reality (AR)/Virtual Reality (VR) devices, notebook computers, ultra-mobile personal computers (UMPCs), netbooks, Personal Digital Assistants (PDAs) and other terminal devices, and the embodiment of the application does not limit the specific types of the terminal devices at all. That is, the carrier of the client corresponding to the credit approval method provided in the embodiment of the present application may be any one of the above terminal devices, and the embodiment takes a smart phone as an example.

In order to explain the technical means described in the present application, the following description will be given by way of specific embodiments.

Referring to fig. 1, which is a flowchart of an implementation process of the spending credit approval method provided in the embodiment of the present application, for convenience of explanation, only the part related to the embodiment of the present application is shown.

The method for approving credit consumption comprises the following steps:

step S101: and judging whether the user passes the previous basic identity authentication.

The early basic authentication refers to some related authentication of a user (i.e. a loan initiator) before loan deposit, including authentication of an identity card, authentication of a bank card, face recognition authentication, authentication code authentication (authentication code authentication according to a reserved mobile phone number) and transaction password authentication. Of course, the basic authentication at the previous stage may also be part of the above specific authentication items, or may also include other authentication items, such as fingerprint or retina authentication, in addition to the above specific authentication items.

Then, whether the user passes the identity card verification, the bank card verification, the face recognition verification, the verification code verification and the transaction password verification is judged. If the current time passes, entering the next step; if not, the user can be guided to complete the basic verification information, and the next step is carried out after the judgment is passed.

Step S102: if the user passes the early basic identity authentication, a section of voice obtained by reading a specific standard character by the user is obtained.

If the user passes the early basic identity authentication, the voice acquisition process is started, the voice acquisition is completed by the client on the mobile phone, the client acquires a specific standard character from the background, the specific standard character can be dynamically changed or fixed, and if the specific standard character is dynamically changed, the specific standard character contains the latest relevant information of the user, such as the latest personal information, for example, the age or the working life. In this embodiment, the client acquires a specific standard character from the background, that is, "personal xxx identity card number is xxxxx".

As shown in fig. 2, during voice acquisition, the mobile phone interface includes: the voice auditing skip area U001, the reading text display area U002 and the recording operation area U003. After the client acquires the specific standard characters from the background, the specific standard characters are displayed in the reading character display area U002, the user clicks the recording function in the recording operation area U003, the user reads the specific standard characters aloud, the reading of the user is recorded through the recording function of the mobile phone, and a section of voice obtained by the user reading the specific standard characters aloud is acquired. After the recording operation is completed, a submission and verification button U004 on the mobile phone interface is triggered, or the submission and verification button U004 is actively triggered after the recording is completed, and a user operates the submission and verification button U004 to submit the recording file corresponding to the voice. The recording file may be submitted to the client or the speech recognition system in the background.

Step S103: and identifying the section of voice to obtain corresponding characters.

The voice recognition system carries out voice recognition on the recording file submitted by the client and converts the voice information into corresponding characters. Since the conversion of speech into text belongs to the conventional technology, it is not described in detail.

Step S104: and comparing the corresponding characters with the specific standard characters read by the user.

The specific characters obtained by recognizing the voice are determined by the voice sent by the user, if the pronunciation of the voice is inaccurate, the actual characters obtained by recognition are different from the original characters to a certain extent, namely, different places exist between the actual characters obtained by recognition and the specific standard characters, and the different places are wrong places. Then, the recognized corresponding characters are compared with the specific standard characters read by the user, so that the recognition accuracy can be obtained, and the recognition accuracy is the percentage of the correctly recognized part in the total characters.

Step S105: and judging a comparison result, and entering a money putting link if the comparison is passed.

And comparing the identification accuracy obtained in the step S104 with a preset accuracy threshold, wherein the specific value of the accuracy threshold is not unique, and specific assignment can be performed according to actual needs.

When the identification accuracy is greater than or equal to the accuracy threshold, the comparison is passed (namely the comparison reaches the standard), and then the process directly enters a money putting link, wherein the money putting link can be direct money putting or follow-up operation related to a money putting process is carried out. And the recording files can be stored, for classified storage, a credit system buffer module is arranged, the buffer module is divided into two storage areas, the first storage area is used for storing the recording files which reach the standard, namely the recording files with the identification accuracy rate larger than or equal to the accuracy rate threshold value, and the second storage area is used for storing the recording files which do not reach the standard, namely the recording files with the identification accuracy rate smaller than the accuracy rate threshold value.

If the identification accuracy is smaller than the accuracy threshold, the following processing modes are available:

(i) and directly storing the corresponding section of voice in a second storage area for later manual examination.

(ii) And repeatedly executing the steps S102-S105, namely, obtaining a section of voice obtained by reading the specific standard characters by the user again, identifying the section of voice, obtaining corresponding characters, comparing the corresponding characters with the specific standard characters read by the user, and obtaining the identification accuracy of the second comparison according to the second recording. Before the recording is repeated again, an identification for identifying the error can be generated, wherein the identification specifically is as follows: comparing with the standard text, identifying the error text in the obtained text, and displaying to the user through a mobile phone interface, as shown in fig. 3, where the mobile phone interface is the next interface of the mobile phone interface shown in fig. 2, and includes: a voice audit skipping area E001, an error character mark display area E002 and a recording operation area E003. The error character identifier display area E002 displays the standard characters and the corresponding error identifiers. After seeing the error identification, the user can improve the accuracy of recording again, and then improve the discernment rate of accuracy.

When the user records the voice for the second time, the user clicks the recording function in the recording operation area E003 to read the standard characters aloud, the reading of the user is recorded through the recording function of the mobile phone, and a section of voice obtained by reading the specific standard characters aloud by the user is obtained. After the recording operation is completed, a submission and verification button E004 on the mobile phone interface is triggered, or the submission and verification button E004 is actively triggered after the recording is completed, and a user operates the submission and verification button E004 to submit the recording file corresponding to the voice. Then, the subsequent speech recognition and comparison processes are performed.

If the recognition accuracy is still smaller than the accuracy threshold, displaying the error identification through the error character identification display area E002, and then performing the voice acquisition, recognition and comparison processes again. Until the preset times are repeatedly executed, the specific times are determined by the actual situation, and the embodiment takes 2 times as an example. Then two repetitions plus the initial one for a total of three speech acquisitions are performed. And storing the corresponding recording file after each voice acquisition, recognition and comparison process. Moreover, each time the audio record file is stored, the last stored audio record file is overwritten, that is, only the last audio record file is stored in the second storage area.

After the repeated execution is carried out twice, if the recognition accuracy corresponding to the voice obtained for the last time, namely the third time, is greater than or equal to the accuracy threshold, entering a money depositing link.

After the repeated execution is performed twice, if the recognition accuracy corresponding to the voice obtained for the last time, namely the third time, is still smaller than the accuracy threshold, the recording file corresponding to the voice obtained for the last time is stored in the second storage area for later manual review.

The manual auditing means that stored recording files are audited manually, and staff in charge of auditing manually audits the last recording file stored in the cache module, if the manual auditing is successful, the paying-off link is directly entered without telephone verification, if the auditing is failed, the user is manually verified for information, and the paying-off link is entered after the information is confirmed.

As shown in FIG. 4, one specific implementation of the method of credit approval for spending is given:

m1, the user must complete basic authentication on the platform, wherein the basic authentication includes: identity card verification, bank card verification, face recognition, reserved mobile phone number verification code verification and transaction password verification.

M2, judge whether the user passed basic authentication, pass and enter the voice acquisition of next step, the guide user who fails carries out basic authentication.

M3, the voice collection is completed at the client, the interface shows the words that the user needs to read during recording, and the words can be played back and submitted to the voice recognition system after recording.

M5, the speech recognition system recognizes and converts the speech submitted by the user into corresponding text, and uploads the current speech to the cache module (i.e. the speech file cache system) (M6) for caching.

M7, comparing the recognized characters with the standard reading characters, and generating corresponding recognition accuracy (M9) and error identification (M8), wherein the recognition accuracy data is sent to a credit system in the background, and the error identification is used for displaying a recognition structure (M4).

M10, the credit system judges whether the recognition accuracy rate reaches the standard, if the recognition accuracy rate reaches the standard, the credit system enters a loan link (M11), if the recognition accuracy rate does not reach the standard, the error identification generated after comparison is fed back to a client display (M8), at the moment, the user can record again for secondary submission and verification, and the submitted recording file is uploaded to a voice file cache system (M6) to cover the last submitted recording file.

M12, after the user completes the borrowing operation, the staff can judge whether the voice audit is passed in the borrowing operation (if the accuracy of all the voice files submitted in the borrowing operation does not reach the standard, the voice files are not passed), if the voice audit is not passed, the staff carries out manual audit on the cached voice files, if the voice audit is passed, the staff directly enters a loan link, and if the voice audit is not passed, the staff communicates with the user through a telephone to check information (M13), and then the user enters the loan link.

In addition, in consideration of the difference of recognition results caused by the dialects of the users or the particularity of the users in each region, under the condition that the three-time recognition rate of the users does not pass, the voice acquisition can be directly skipped by operating the voice auditing skip area U001 or E001. And (5) identification and comparison processes are directly carried out in the subsequent steps. As shown in fig. 5, a specific approval flowchart for a user to directly skip voice authentication.

Fig. 6 shows a block diagram of the apparatus for approving credit provided in the second embodiment of the present application, corresponding to the method for approving credit described in the first embodiment of the method for approving credit, and only the parts related to the second embodiment of the present application are shown for convenience of explanation.

Referring to fig. 6, the spending credit approval apparatus 200 includes:

a judging module 201, configured to judge whether the user passes the previous basic identity authentication;

the voice acquisition module 202 is configured to acquire a segment of voice obtained by reading a specific standard character by the user if the user passes the early-stage basic identity authentication;

the voice recognition module 203 is configured to recognize the section of voice to obtain a corresponding character;

a comparison module 204, configured to compare the corresponding text with the specific standard text read by the user;

and the deposit module 205 is configured to determine a comparison result, and if the comparison result passes, enter a deposit link.

acquiring the specific standard characters;

displaying the specific standard characters to the user;

Optionally, the method of credit approval further comprises:

Based on the credit loan approval apparatus 200 described above, a corresponding specific implementation of the apparatus is given below, as shown in fig. 7.

D1, the user who completes the basic verification enters the voice acquisition module 202, reads the record in comparison with the words, and submits the record to audit.

D2, the voice recognition module 203 recognizes the submitted recording file (i.e. voice file), the comparison module 204 calculates the recognition accuracy, and the recognition accuracy data is submitted to the credit system in the background.

D3, the recording file submitted by the user will be cached in the cache module, in the borrowing operation, if the accuracy of the recording file submitted by the user for the first time does not reach the standard, an error mark is returned, the user is allowed to re-record and submit the recording file, and the recording file is submitted for three times at most. The recording files submitted for the second time and the third time, the cache module can cover the previous submissions and only remain the last time.

D4, the credit system will make the standard of the recognition accuracy rate of the recording file, and the credit system will judge whether the accuracy rate reaches the standard. And when the recognition accuracy rates of all (at most three) recording files submitted by the borrowing operation user do not meet the standard, judging that the voice audit is not passed. If the accuracy rate reaches the standard once, the voice audit is passed, the next step is directly carried out, and the user can not submit the voice audit again.

And D5, for loans judged by the credit system that the recording audit is not passed, the staff can firstly carry out manual audit on the recording file submitted by the user in the cache module, and directly enter a loan link (D6) if the audit is passed, and then carry out phone verification and loan if the audit is not passed.

D7, the manual phone audit only addresses the situation that the user has not performed voice audit or the voice audit has not passed.

It should be noted that, because the above-mentioned information interaction and execution processes between the devices/modules are based on the same concept as the embodiment of the credit loan approval method of the present application, the specific functions and technical effects thereof may be referred to in detail in the embodiment of the credit loan approval method, and are not described herein again.

It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-described division of the functional blocks is illustrated, and in practical applications, the above-described distribution of functions may be performed by different functional blocks, that is, the internal structure of the credit approval apparatus 200 may be divided into different functional blocks to perform all or part of the above-described functions. Each functional module in the embodiments may be integrated in one processing unit, or each unit may exist alone physically, or two or more units are integrated in one unit, and the integrated unit may be implemented in a form of hardware, or in a form of software functional unit. In addition, specific names of the functional modules are only used for distinguishing one functional module from another, and are not used for limiting the protection scope of the application. The specific working process of each functional module in the above description may refer to the corresponding process in the foregoing embodiment of the credit approval method, and is not described herein again.

Fig. 8 is a schematic structural diagram of a terminal device according to a third embodiment of the present application. As shown in fig. 8, the terminal device 300 includes: a processor 302, a memory 301, and a computer program 303 stored in the memory 301 and operable on the processor 302. The number of the processors 302 is at least one, and fig. 8 takes one as an example. The processor 302, when executing the computer program 303, implements the implementation steps of the method of credit approval discussed above, i.e., the steps shown in FIG. 1 or FIG. 4.

The specific implementation process of the terminal device 300 can be seen in the above embodiment of the credit approval method.

Illustratively, the computer program 303 may be partitioned into one or more modules/units that are stored in the memory 301 and executed by the processor 302 to accomplish the present application. The one or more modules/units may be a series of computer program instruction segments capable of performing specific functions, which are used to describe the execution process of the computer program 303 in the terminal device 300.

The terminal device 300 may be a desktop computer, a notebook, a palm computer, a main control and other computing devices, or may be a mobile terminal such as a mobile phone. Terminal device 300 may include, but is not limited to, a processor and a memory. Those skilled in the art will appreciate that fig. 8 is only an example of the terminal device 300 and does not constitute a limitation of the terminal device 300, and may include more or less components than those shown, or combine some of the components, or different components, for example, the terminal device 300 may further include an input-output device, a network access device, a bus, etc.

The Processor 302 may be a CPU (Central Processing Unit), other general-purpose Processor, a DSP (Digital Signal Processor), an ASIC (application specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), other Programmable logic device, discrete Gate or transistor logic device, discrete hardware component, or the like. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.

The storage 301 may be an internal storage unit of the terminal device 300, such as a hard disk or a memory. The memory 301 may also be an external storage device of the terminal device 300, such as a plug-in hard disk, SMC (smart memory Card), SD (Secure Digital Card), Flash Card, or the like provided on the terminal device 300. Further, the memory 301 may also include both an internal storage unit of the terminal device 300 and an external storage device. The memory 301 is used for storing an operating system, application programs, a boot loader, data, and other programs, such as program codes of the computer program 303. The memory 301 may also be used to temporarily store data that has been output or is to be output.

Embodiments of the present application further provide a computer-readable storage medium storing a computer program, which when executed by a processor implements the steps of the method for credit approval before consumption embodiment.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, all or part of the processes of the embodiment of the credit spending approval method described above may be implemented by a computer program that can be stored in a computer readable storage medium and that can implement the steps of the embodiment of the credit spending approval method described above when being executed by a processor. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer readable medium may include at least: any entity or device capable of carrying computer program code to a photographing apparatus/terminal apparatus, a recording medium, computer Memory, ROM (Read-Only Memory), RAM (random access Memory), electrical carrier signal, telecommunication signal, and software distribution medium. Such as a usb-disk, a removable hard disk, a magnetic or optical disk, etc. In certain jurisdictions, computer-readable media may not be an electrical carrier signal or a telecommunications signal in accordance with legislative and patent practice.

In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and reference may be made to the related descriptions of other embodiments for parts that are not described or illustrated in a certain embodiment.

Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.

In the embodiments provided in the present application, it should be understood that the disclosed apparatus/terminal device and method may be implemented in other ways. For example, the above-described embodiments of the apparatus/terminal device are merely illustrative, and for example, the division of the modules or units is only one logical division, and there may be other divisions when actually implemented, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

The above-mentioned embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present application and are intended to be included within the scope of the present application.

Claims

1. A method of credit approval for consumption, comprising:

judging whether the user passes the early basic identity authentication;

identifying the voice to obtain corresponding characters;

2. The method of claim 1, wherein the prior basic identity verification comprises an identification card audit, a bank card verification, a face recognition verification, a verification code verification, and a transaction password verification.

3. The method of claim 1, wherein the obtaining a speech spoken by the user in a particular standard text comprises:

acquiring the specific standard characters;

displaying the specific standard characters to the user;

4. The method of claim 1, wherein comparing the corresponding text to the particular standard text read by the user comprises:

5. The spending credit approval method of claim 4, wherein the spending credit approval method further comprises:

6. The spending credit approval method of claim 4, wherein the spending credit approval method further comprises:

7. The spending credit approval method of claim 4, wherein the spending credit approval method further comprises: and if the identification accuracy is smaller than the accuracy threshold, generating an identification of the identification error, and displaying the identification of the identification error to the user.

8. The method of claim 1, wherein the specific standard text is dynamically issued in the background and contains the latest personal information of the user.

9. A credit approval apparatus, comprising:

10. A terminal device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor when executing the computer program implements the steps of the method of claim 1-8.