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Voiceprint feature based remote authentication payment system and method

A remote authentication and voiceprint feature technology, applied in transmission systems, electrical components, etc., can solve problems such as low security, limited payment methods, and criticism, and achieve the effect of suppressing recording fraud.

Inactive Publication Date: 2015-09-09
武汉元宝创意科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] In the existing payment methods, such as online banking, etc., it often requires a specific terminal in a specific location to operate, and there are many restrictions on payment methods
[0005] However, methods such as bank card ATM machine direct payment, on the one hand, require a large number of ATM terminal support, on the other hand, they are widely criticized because of their low security.

Method used

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  • Voiceprint feature based remote authentication payment system and method
  • Voiceprint feature based remote authentication payment system and method
  • Voiceprint feature based remote authentication payment system and method

Examples

Experimental program
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Embodiment Construction

[0025] figure 1 It is a block diagram showing the schematic structure of this system.

[0026] Firstly, the voiceprint information of the users of the system is uniformly collected and entered into the database 101. Generally, the collection step should be carried out by recording the user's own voice under the guidance of the system maintenance personnel.

[0027] This acquisition method does not require the user to input all the phonetic characters, but only enough input to ensure that the special voiceprint information is obtained.

[0028] Secondly, the voice keywords 102 that need to be provided by the system when the user of the system is personally designated to use the system should generally be divided into two parts, question and answer, and two sets or more than two sets of combinations should be provided to ensure safety.

[0029] The content of both questions and answers is specified by the user, and other personnel, including system maintenance personnel, cannot...

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Abstract

The invention relates to a voiceprint feature based remote authentication payment method. The method comprises the steps of collecting voiceprint information of a user and storing the voiceprint information; setting a keyword of voice payment authentication; performing voice payment authentication by using the keyword and a verification statement; and after successful authentication, performing a payment transaction. The invention also comprises a voiceprint feature based remote authentication payment system and a keyword based voice authentication subsystem for voice input and authentication. The voice authentication subsystem comprises six modules: an input module, a voiceprint model storage module, a similarity computing module, a voice content judgment module, a keyword verification module, and a payment authentication module.

Description

technical field [0001] The invention relates to a system and method for remote authentication payment based on voiceprint features, in particular to a text-dependent voice authentication system for payment. Background technique [0002] Voice has so far been used as a method of identity verification for system users. In recent years, fingerprint authentication, which is one of biometrics authentications, is often used for personal authentication such as e-commerce transactions in a mobile environment. However, fingerprint authentication also requires a special sensor, and when using voice for personal authentication, since the microphone as a sensor is often embedded in the current device, portable terminals are more suitable for voice authentication in mobile environments. [0003] At the same time, in the current era, with the expansion of the scope and speed of money exchange, higher requirements are put forward for the convenience and safety of payment methods. [0004...

Claims

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Application Information

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IPC IPC(8): H04L29/06
Inventor 陈竹心耿嘉伟蔡天琪蔡恒进
Owner 武汉元宝创意科技有限公司
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