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Mobile payment safety verification method based on voice recognition

A technology of mobile payment and security verification, applied in speech recognition in the field of mobile payment security verification, mobile payment security verification, can solve the problem of incompatibility between security and convenience, and achieve easy capture, strong practicability, and good flexibility Effect

Inactive Publication Date: 2013-09-25
SHANGHAI CARDINFOLINK DATA SERVICE
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] In order to overcome the inability of the existing security verification methods in the mobile payment industry to balance security and convenience, the present invention proposes a brand-new mobile payment security system based on voice recognition based on the uniqueness of voiceprints caused by differences in the physiological structure of human vocal organs. Authentication method

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  • Mobile payment safety verification method based on voice recognition
  • Mobile payment safety verification method based on voice recognition
  • Mobile payment safety verification method based on voice recognition

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Embodiment Construction

[0045] The present invention will be described in detail below in conjunction with the accompanying drawings and embodiments.

[0046] 1. System structure

[0047] Such as figure 1 As shown, the present invention includes six roles and seven interfaces. Described as follows:

[0048] 1. Role Description

[0049] (1) Mobile payment terminal: responsible for mobile payment transaction initiation, voiceprint information acquisition, and mobile payment user registration management functions;

[0050] (2) Mobile payment processing system gateway: responsible for receiving and responding to mobile payment requests, initiating transaction requests to payment channels, and initiating voiceprint verification requests to the voiceprint verification management system;

[0051] (3) Voiceprint verification management system: responsible for the registration of mobile payment users, the transmission of voice fragments with the voiceprint processing module, and the interaction of referen...

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Abstract

The invention relates to an application in the technical field of mobile payment safety verification, wherein the application is characterized in that the safety verification of the mobile payment process is achieved by the utilization of the voice recognition technology. A brand-new mobile payment safety verification method based on voice recognition is provided according to voiceprint uniqueness resulting from difference among physical structures of human vocal organs. The method supports voiceprint verification relevant to text and voiceprint verification irrelevant to text at the same time and can be effectively combined with the existing mobile payment products. While the payment process is simplified, the safety level of the payment is promoted. The whole system structure is shown in the figure 1.

Description

technical field [0001] The invention belongs to the technical field of mobile payment safety verification, and in particular relates to the application of speech recognition in the field of mobile payment safety verification. Background technique [0002] At present, simple password and verification code verification in mobile payment services are less and less used due to their low security and easier interception and cracking. Two-factor authentication has gradually become popular in the security field of the mobile payment industry. Its basic principle is to use passwords and physical objects for comprehensive verification. In the mobile payment consumption scenario, the most common and most effective physical objects include two types. One is to strengthen the existing security technology means, such as mobile phone SMS verification code, dynamic password or password, digital certificate, excellent key, etc.; Based on the cardholder's own biometrics such as fingerprints...

Claims

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Application Information

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IPC IPC(8): G06Q20/38G10L15/00
Inventor 赵健叶卫华朱佳胤祝振汉赵宇周美明杨添
Owner SHANGHAI CARDINFOLINK DATA SERVICE
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