Payment method and device

A technology to be paid and the amount to be paid, applied in the direction of payment system structure, secure communication device, transmission system, etc., can solve the problem of password leakage, and achieve the effect of avoiding forgery, improving user experience, and ensuring security.

Active Publication Date: 2016-09-07
CHINA UNIONPAY
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0005] The embodiment of the present invention provides a payment method and device to solve the problem of password leakage caused by card swiping and password input during the payment process

Method used

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  • Payment method and device
  • Payment method and device

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Embodiment Construction

[0057] In order to make the purpose, technical solutions and advantages of the application clearer, the application will be further described in detail below in conjunction with the accompanying drawings. Obviously, the described embodiments are only some of the embodiments of the application, not all of them. . Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the scope of protection of this application.

[0058] figure 1A system architecture applicable to the embodiment of the present invention is shown, based on which the control of the payment process can be realized. The system architecture provided by the embodiment of the present invention includes a user terminal 101 , a collection server 102 and a collection terminal 103 .

[0059] In the embodiment of the present invention, the user terminal 101 may be a mobile phone, a tablet computer, a palmtop computer, an...

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Abstract

The invention discloses a payment method and device. The method includes that a gathering server receives a prompting information request sent by a user terminal, the gathering server sends prompting information to the user terminal based on the prompting information request and receives the voiceprint information input by the user to be paid and transmitted by a gathering terminal, the gathering server determines whether the voiceprint information input by the user to be paid is matched with the voiceprint information in a voiceprint information base not, if yes, the gathering server acquires the payment account of the user to be paid and the payment amount to be paid and sends a payment notice to complete the payment to an account manager corresponding to the payment account of the user to be paid. Through the dual authentication of voiceprint information and the user terminal and the interaction of the gathering server, the user terminal, and the gathering terminal, the security risks of tediousness of card swiping and password input and password leakage during the payment can be prevented, a safe and convenient payment environment is provided for clients, and user experiences are improved.

Description

technical field [0001] The invention relates to the technical field of payment authentication, in particular to a payment method and device. Background technique [0002] When users shop in large membership-only chain supermarkets, most of them use cash payment or the traditional payment method of using bank cards to swipe cards and enter passwords. [0003] When using cash to pay, if shopping for large-value items, the user needs to carry a large amount of cash, which will bring certain security risks. However, using a bank card to swipe the card and input the password for payment requires carrying the bank card, which is inconvenient to use and has the potential of leaking the bank card password. [0004] Therefore, there is an urgent need for a payment method to solve the problems of password leakage caused by card swiping and password input during the payment process, and simple voiceprint authentication, such as voiceprint being illegally acquired and forged. Content...

Claims

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Application Information

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IPC IPC(8): H04L29/06G06Q20/36
CPCG06Q20/3674H04L63/0861G06Q20/36H04L9/40
Inventor 才华
Owner CHINA UNIONPAY
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