Payment authentication method, device thereof and system thereof

A verification method and a technology for verifying requests, which are applied in the computer field and can solve problems such as increased operating costs of servers

Inactive Publication Date: 2014-03-26
TENCENT TECH (SHENZHEN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] In order to solve the problem in the prior art that the server needs to send verification text messages to increase operating costs during the payment operation, the embodiment of the present invention provides a payment verification method, device and system

Method used

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  • Payment authentication method, device thereof and system thereof
  • Payment authentication method, device thereof and system thereof
  • Payment authentication method, device thereof and system thereof

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Embodiment Construction

[0042] In order to make the object, technical solution and advantages of the present invention clearer, the implementation manner of the present invention will be further described in detail below in conjunction with the accompanying drawings.

[0043] See figure 1 As shown, it shows a schematic diagram of the implementation environment of the embodiment of the present invention. The implementation environment includes at least one terminal 120 and a server 140 .

[0044] The terminal 120 is usually provided with a payment application, and the user can operate the payment application on the terminal 120, such as choosing whether to make payment, inputting the user name and password required for payment, and the like. The terminal 120 mentioned here may be a mobile phone, a personal computer, a multimedia TV, a digital camera, an electronic reader, and the like.

[0045] The connection between the server 140 and each terminal 120 may be based on a wired network or a wireless ...

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Abstract

The invention discloses a payment authentication method, a device thereof and a system thereof, belonging to the computer technical field. The method comprises the following steps of receiving a payment authentication request sent by a terminal, detecting whether the identification information in the payment authentication request is same with the prestored identification information, extracting a current voice characteristic if the identification information in the payment authentication request is same with the prestored identification information, matching the current voice characteristic with a prestored voiceprint model, and sending authentication reply information for allowing a payment operation to the terminal if the current voice characteristic is successfully matched with the prestored voiceprint model. According to the payment authentication method, the device thereof and the system thereof, a current voice signal is confirmed through the voiceprint model, after the confirmation is successful, the subsequent payment operation is allowed, a problem that a server needs to send an authentication message and the operation cost is increased in the payment operation process in the prior art is solved, an effect that the payment security can be greatly raised by only using the voiceprint identification of the voice signal is achieved, and the operation cost brought by message authentication is greatly reduced.

Description

technical field [0001] The present invention relates to the field of computer technology, in particular to a payment verification method, device and system. Background technique [0002] With the continuous development of Internet technology, online shopping through terminals such as computers or smart phones has become an indispensable thing in people's lives, which also greatly facilitates people's lives. Since online shopping involves sensitive information of users, relatively safe payment verification is required when online shopping and payment are made. [0003] At present, there is a payment verification method, which includes: firstly bind the user's account number with a mobile phone number; Send a verification text message containing a verification code. After the user enters the verification code on the terminal, the terminal will send the account and the verification code to the server, and the server will check whether the received account and verification code...

Claims

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Application Information

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IPC IPC(8): G06Q20/40
CPCG06Q20/40145G10L17/24G07C9/00G10L21/06
Inventor 张翔卢鲤王尔玉岳帅饶丰刘海波陈波
Owner TENCENT TECH (SHENZHEN) CO LTD
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