Mobile payment method and device based on voice control

Abstract

The present invention provides a mobile payment method and device based on voice control. The method comprises a step of generating a dynamic password when the transaction request from a terminal is received, and sending the dynamic password to the terminal, wherein, the transaction request carries out the user identification of the terminal; a step of receiving the voice signal inputted by a user according to the dynamic password collected by the terminal, a step of comparing whether the voice signal and the content of the dynamic password is matched or not, comparing whether the voice characteristic of the voice signal and the voice characteristic corresponding to the user identification of the terminal stored in advance are matched or not, and judging the success of user authentication and then continuing follow-up transaction if the matching successes. According to the embodiment of the invention, the mobile payment method and device based on voice control are employed, voice navigation is employed to complete payment, a payment operation process is simplified, the hands of the user are liberated, since the voiceprint is unique and can not be copied, the transaction only can be completed with user personal authorization, and the security of mobile payment is ensured.

Description

technical field [0001] The invention relates to the fields of communication and mobile payment, in particular to a method and device for mobile payment based on voice control. Background technique [0002] With the rise and development of 3G technology, the rise of mobile e-commerce has been brought about, making mobile phones a more convenient transaction terminal. In recent years, China's Internet has developed rapidly and its penetration rate has continued to increase, laying the most solid foundation for the rapid development of e-commerce. At present, mobile payment has been widely used in every corner of e-commerce, but the security of mobile payment has always been a bottleneck for the rapid promotion of mobile payment: confidentiality, integrity, non-repudiation, authenticity, payment mode, identity of information Verification, security of payment terminals, legal guarantees for all aspects of mobile payment are not perfect, and so on. [0003] At present, simple p...

AI Technical Summary

Problems solved by technology

At present, mobile payment has been widely used in every corner of e-commerce, but the security of mobile payment has always been a bottleneck for the rapid promotion of mobile payment: confidentiality, integrity, non-repudiation, authenticity, payment mode, identity of information Verification, security of payment terminals, legal guarantees for all aspects of mobile payment are not perfect, etc.

The accuracy and convenience of iris recognition will be affected for people who wear glasses or contact lenses, and the usage method is not suitable for daily payment scenarios

In addition, different transaction types, different customers, and different payment amounts also have different requirements for transaction security levels. The current security verification technology is difficult to ensure the security of mobile payment under the premise of simplicity, which greatly hinders mobile payment. Payment business promotion and market expansion

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