Multi-User Voiceprint Verification for Online Payment Security
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Existing identity verification methods for online transactions are inadequate as they rely solely on password matching, leaving them vulnerable to unauthorized access if the user's account information is stolen, leading to potential property loss.
Innovation Solution
A multi-user verification system where a server requests additional confirmation from secondary verifiers associated with a payment account, using biometric information such as voiceprints or fingerprints, to ensure the authenticity of the transaction, thereby enhancing security.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional password-based verification is used, then the verification process is simple and fast, but the security is insufficient and vulnerable to unauthorized access
Solution Approach 1:
The verification process is segmented into multiple independent verification steps: first verification information (password) and second verification information (biometric data). Each segment performs a specific verification function, and both must succeed for authorization. This segmentation resolves the contradiction by distributing security checks across separate stages, enhancing reliability without creating a single complex verification mechanism.
Solution Approach 2:
Biometric verification information is collected and stored in advance during account setup. When a transaction occurs, the pre-collected biometric data is quickly compared against the provided sample, enabling fast verification without real-time biometric acquisition. This preliminary action reduces verification time and complexity while maintaining high security standards.
2Reliability
If multiple verification methods are implemented, then the security is enhanced, but the verification time and operational complexity increase
Solution Approach 1:
Biometric verification templates are pre-collected and stored during account registration. During actual transactions, only a quick biometric scan and password entry are needed for verification, rather than full biometric processing. This preliminary preparation dramatically reduces verification time while maintaining multi-factor security.
Solution Approach 2:
The system uses copies of biometric verification information (stored templates) rather than requiring repeated collection of actual biometric data during each transaction. The live biometric scan is compared against the pre-stored copy, enabling rapid verification without time-consuming real-time biometric analysis, thus reducing verification time while maintaining security.
3Measurement precision
If biometric verification information is collected and stored, then the verification accuracy is improved, but the information storage requirements and system complexity increase
Solution Approach 1:
The system stores encrypted copies of biometric verification information (verification templates) rather than actual biometric data. These templates are mathematical representations that enable verification without storing sensitive personal information, reducing storage requirements while maintaining verification accuracy through template matching.
Solution Approach 2:
Different types of verification information are stored in separate, specialized storage areas with appropriate security measures: password information in one location, biometric templates in another. Each storage location has tailored security and access controls, optimizing both storage efficiency and security while managing information quantity effectively.
Data Source
AI summary
The present application discloses methods, devices and systems for information verification, and in particular for multi-user verification for transactions such as online payment transactions. An online account, such as a payment account, can be registered as a multi-user verification account, which requires at least two users to verify a transaction. After receiving a verification request from a first user, a server verifies first verification information (e.g. voiceprint information) from the first user and second verification information (e.g. voiceprint information) from the second user, so that the server may approve or deny the pending transaction in accordance with a comparison of the first and second verification information against respective verification information stored in association with the multi-user verification account.