Network payment method and system based on voiceprint authentication

Abstract

The invention provides an online payment method based on voiceprint recognition and a system thereof, which comprises: a customer identity right checking unit, which is used for judging whether the identity is legal according to the voice signals input by the customer; an income and expenditure balance disposal unit, which is used for executing the balance disposal of income and expenditure, a payment platform coupled with the customer identity right checking unit and the income and expenditure balance disposal unit, which is used for receiving the payment information of a customer, and if the customer identity right checking unit judges that the identity of the customer is legal, the customer identity right checking unit designates the income and expenditure balance disposal unit to execute the balance disposal of income and expenditure, wherein the payment platform receives the payment information by a first network, and the customer identity right checking unit receives the voice signals by a second network. The online payment method and the system of the invention introduce voiceprint recognition technology into the safety identification recognition of online payment system, reliable consequence is established among customers, payment dealing events and actual payment account number; additionally, the online payment method and the system of the invention improves the credit and safety of the dealing, thus establishing stable base for pushing online payment business.

Description

technical field [0001] The present invention relates to network security technology, in particular to a network payment method and system that introduces voiceprint authentication as a security mechanism, which ensures the security of network payment by combining communication network technology with biometric voiceprint recognition technology. Background technique [0002] In today's network era, the development of fixed telephone communication network, mobile communication network and Internet is greatly affecting people's life, leisure and work methods. These communication networks make e-commerce show broad development prospects: with the help of online payment systems, people can carry out transactions such as online consumption, shopping and bill payment anytime and anywhere without leaving home. However, due to the proliferation of computer viruses, hackers and spyware, as well as telephone wiretapping and SMS email fraud, customer passwords are easily breached and st...

AI Technical Summary

Problems solved by technology

However, due to the proliferation of computer viruses, hackers and spyware, as well as telephone wiretapping and SMS email fraud, customer passwords are easily breached and stolen on the Internet, and remote identity authentication methods that only rely on password verification have great potential risks in terms of security. ; Due to the lack of effective and convenient means of authentication, the existing network payment system cannot simply and reliably confirm the real identity of the transaction actor remotely, which makes many people start to have a fear of remote transaction activities on the Internet and telephone networks. In order to avoid credit risks, banks can only open online payment services with small amounts and few varieties

[0003] In fact, due to the lack of security and non-repudiation, the authentication method using customer passwords has gradually declined in the new trend; although high-priced security tokens (security tokens) relieve customers' concerns, they do not have digital Signature function; IC card may be a more convenient and quite safe authentication tool, but limited by the difficulty of popularizing card reading devices, its use on the Internet has not been smoothly promoted

Biometric authentication methods, such as fingerprints and corneas, are safe, but require additional special devices or components to extract biometric information that is not convenient for remote network transmission, and may pose a threat to the personal safety of users.

Images