Mobile phone payment authentication system and method based on audio watermark

Abstract

The invention relates to an audio-frequency watermark technology, which particularly relates to a mobile phone payment authentication system and a method thereof based on audio-frequency watermark. The mobile phone payment authentication system is characterized in that private information of mobile phone terminal users is inserted into the mobile phone terminal as watermark in audio signal transmitted to a bank server; and the private information of users as watermark is extracted from audio signal with watermark in the bank server. The watermark information relates to the private information such as bank account numbers and passwords of the account numbers of the mobile phone terminal users. In the optimal embodiment of the invention, the mobile phone ID of mobile phone terminals is adopted as watermark information. In another optimal embodiment of the invention, the mobile phone terminals and the bank server have a confirmation function upon voice print. The mobile phone payment authentication system and the method thereof solve the problem of the mobile phone payment security of the mobile phone payment which is developed in a large scale is restricted. Therefore, the invention has the advantages of important application prospect and use value.

Description

technical field [0001] The invention relates to audio watermark technology, in particular to a system and method for applying audio watermark technology to the field of mobile phone payment authentication. Background technique [0002] As a convenient and fast transaction mode, mobile payment has received widespread attention from the industry. However, after several years of development, although the number of domestic mobile phone users has reached 600 million, the mobile payment service has not developed, and there are not many users who use mobile phone payment services. [0003] The slow development of mobile payment is related to the domestic policy restrictions and the security risks of mobile payment itself. In the mobile payment business, there are generally two ways to collect the fee: one is to collect the fee through the mobile phone bill, that is, directly deducted from the user's mobile phone bill, or collect it when the user pays his mobile phone bill; the ot...

AI Technical Summary

Problems solved by technology

[0007] The present invention provides an audio watermark-based mobile phone payment authentication system and method that can solve the above problems, with the purpose of overcoming the disadvantages of weak security and poor immediacy of traditional mobile phone payment authentication

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