Banking transaction authentication method based on video verification, and banking transaction authentication system based on video verification

A technology for banking business and transaction authentication, which is applied in user identity/authority verification, equipment, finance, etc., and can solve the problem of whether it is difficult to confirm whether the subject of account disposal error is the bank or merchant or the user himself, difficult to protect the security of user account funds, and unable to determine Questions about the head of the household

CN103353973AActive Publication Date: 2013-10-16上海方付通科技服务股份有限公司

6 Cites 11 Cited by

Patent Information

Authority / Receiving Office: CN · China
Patent Type: Applications(China)
Current Assignee / Owner: 上海方付通科技服务股份有限公司
Publication Date: 2013-10-16

Smart Images

Figure 1
Figure 2

Patent Text Reader

Abstract

The invention provides a banking transaction authentication method based on video verification and a banking transaction authentication system based on video verification. The banking transaction authentication system based on video verification comprises step that a network server acquires reference voice information of a user and processes the reference voice information into digital reference voice information that is easy to extract characteristic information; then during a process of banking transaction by the user, user equipment makes a request for voice information for verification provided by the user, and after converting the voice information for verification into a voice sequence, the user equipment encrypts and endorses the banking transaction information and the voice sequence of the user to form user transaction information; and the network server examines the endorsement of the received user transaction information, acquires the voice sequence after decryption and recovers the voice sequence to analog voice information, and then after processing the analog voice information into digital voice information in accord with user characteristics, the network server compares the digital voice information with the digital reference voice information of the user so as to confirm the identity of the user. Therefore, security holes in electronic banks are filled, and transaction security is improved.

Need to check novelty before this filing date? Find Prior Art

Description

technical field

[0001] The invention relates to the field of transaction authentication, in particular to an audio verification-based banking transaction authentication method and system. Background technique

[0002] With the rapid development of e-commerce, more and more users begin to shop through the Internet. Since the Internet is an open and public network, there is no special organization to manage it. Therefore, the security of Internet-based transactions become the focus of attention of all parties.

[0003] For example, in the Chinese patent document with the application number 201210059410.4, a system and method for ensuring the security of network transactions is provided, which displays the user transaction information on the encryption device connected to the network transaction terminal, and the user confirms after checking, and Set up a short message channel between the online trading platform and the online trading terminal, and match the user transaction i...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine

Login to View More