Banking transaction authentication method and system based on audio verification

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.

Description

Technical field [0001] The invention relates to the field of transaction authentication, in particular to a banking transaction authentication method and system based on audio verification. Background technique [0002] With the rapid development of e-commerce, more and more users have begun to shop through the Internet. Since the Internet is an open and public network, there is no special organization to manage it, so 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 online transactions are provided, which displays user transaction information on an encryption device connected to a network transaction terminal, which is verified by the user after verification, and Set up a short message channel between the online trading platform and the online trading terminal, and match the user transaction info...

AI Technical Summary

Problems solved by technology

[0007] 1. Once the user's password is stolen, it is difficult to effectively protect the fund security of the user account;

[0008] 2. Once the Trojan horse virus records or videotapes the user's transaction operations, the security of the user's account is difficult to be guaranteed;

[0009] 3. Since it is impossible to determine whether the operator who provided the password information of the user account is the owner of the account during the transaction process, it is difficult to confirm whether the party responsible for the handling of the account is the bank or the merchant or the user himself

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