Mobile phone payment authentication system and method based on audio watermark

A technology of mobile payment and audio watermarking, which is applied in the direction of payment architecture, equipment, safety devices, etc., can solve the problems of poor immediacy and weak certification security, and achieve security, high security, and poor immediacy Effect

Inactive Publication Date: 2009-06-24
BEIJING KEXIN TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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

Method used

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  • Mobile phone payment authentication system and method based on audio watermark
  • Mobile phone payment authentication system and method based on audio watermark

Examples

Experimental program
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Embodiment Construction

[0020] figure 1 It is a schematic diagram of the audio watermark-based mobile phone payment authentication system of the present invention. The system includes a mobile phone terminal 110 , a charging terminal 120 and a bank server 130 .

[0021] The mobile terminal 110 is used to make a call to the bank server 130 or receive a call from the bank server 130, so that a call connection is established between the mobile terminal 110 and the bank server 130; simultaneously the mobile terminal 110 is also used to provide its mobile phone number to the charging terminal 120, Then complete the task of mobile payment.

[0022] The charging terminal 120 obtains the mobile phone number of the mobile terminal 110 through NFC, etc., and the charging terminal 120 is also used to send the mobile phone number of the mobile terminal 110 and the consumption fee to the bank server 130 .

[0023] The bank server 130 answers the phone from the mobile terminal 110 or dials a call to the mobile t...

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PUM

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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...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/00H04W4/24H04W12/02
Inventor 颜永红刘建潘接林
Owner BEIJING KEXIN TECH
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