CN105023155A - Payment method, network equipment and terminal equipment - Google Patents
Payment method, network equipment and terminal equipment Download PDFInfo
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- CN105023155A CN105023155A CN201510459257.8A CN201510459257A CN105023155A CN 105023155 A CN105023155 A CN 105023155A CN 201510459257 A CN201510459257 A CN 201510459257A CN 105023155 A CN105023155 A CN 105023155A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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Abstract
The invention provides a payment method which comprises: receiving payment request information sent through terminal equipment by network equipment, wherein the payment request information is generated by the terminal equipment which encrypts acquired sound command information as a secret key; acquiring the sound command information by the network equipment and judging whether the sound command information is as same as the pre-stored first sound command information or not, wherein the first sound command information is a secret key for decrypting the payment request information; and if so, decrypting the payment request information by using the first sound command information and making payment according to the payment request information. The embodiment of the invention further discloses the network equipment and the terminal equipment. By adopting the payment method, the network equipment and the terminal equipment provided by the invention, related payment information can be encrypted through the sound command information so as to realize a process of mobile payment.
Description
Technical field
The present invention relates to communication technical field, particularly relate to a kind of method of payment, the network equipment and terminal device.
Background technology
Along with the fast development of wireless mobile technology, increasing application starts to occur on the terminal device, wherein to confidentiality requirement the highest be exactly the realization of mobile payment function.A lot of payment class application at present can realize the function such as mobile payment, small amount transfers.Set up unique binding relationship by the bank card that user account and user are held, only have the user account of binding access could realize the function paid.Pay class application and possess time-out protection function simultaneously, the number of times of limiting handset input password must not more than 3 times, and prevent the Brute Force etc. adopting the method for exhaustion from ensureing the technology of security, some payment class application also adopt the technology of dynamic password.
But, the encryption and decryption technology of the wireless mobile payment function existed in above-mentioned prior art all depends on the running software in mobile radio terminal, do not adopt the feature of user self and mobile payment function to carry out personalization to bind, reliability still has to be strengthened.
Summary of the invention
The invention provides a kind of method of payment, the network equipment and terminal device, to be correlated with payment information by voice command information encryption, to complete the process of mobile payment.
First aspect present invention provides a kind of method of payment, comprising:
The payment request information that network equipment receiving terminal apparatus sends, described payment request information utilizes the voice command information obtained to be encrypted as key by described terminal device and generates;
The described network equipment obtains described voice command information, and judge that whether described voice command information is identical with the first sound command information prestored, described first sound command information is decipher the key of described payment request information;
If be judged as YES, then the described network equipment utilizes described first sound command information to decipher described payment request information, pays according to described payment request information.
In conjunction with the implementation of first aspect present invention, in the first possible implementation of first aspect present invention, the described network equipment obtains described voice command information, comprising:
The described network equipment receives the information that described terminal device sends, and described information carries described voice command information.
In conjunction with the first possible implementation of first aspect present invention, in the implementation that the second of first aspect present invention is possible, described payment request information comprises user account information, then described judge that whether described voice command information identical with the first sound command information prestored before, described method also comprises:
The described network equipment obtains described user account information according to described payment request information;
The described network equipment searches the first sound command information prestored described in correspondence according to described user account information.
In conjunction with the implementation that the second of first aspect present invention is possible, in the third possible implementation of first aspect present invention, described judge that whether described voice command information identical with the first sound command information prestored after, described method also comprises:
If be judged as NO, then the described network equipment sends the first information to described terminal device, and described first information is refused to pay according to described payment request information for pointing out the described network equipment.
Second aspect present invention provides a kind of method of payment, comprising:
Terminal device generates payment request information, and described payment request information utilizes the voice command information obtained to be encrypted as key by described terminal device and generates;
Described terminal device sends described payment request information to the network equipment, described voice command information is obtained to make the described network equipment, judge that whether described voice command information is identical with the first sound command information prestored, if be judged as YES, described first sound command information is utilized to decipher described payment request information, pay according to described payment request information, described first sound command information is decipher the key of described payment request information.
In conjunction with the implementation of second aspect present invention, in the first possible implementation of second aspect present invention, described terminal device is to after the network equipment sends described payment request information, and described method also comprises:
Described terminal device sends information to the described network equipment, and described information carries described voice command information.
Third aspect present invention provides a kind of network equipment, comprising:
Receiver module, for the payment request information that receiving terminal apparatus sends, described payment request information utilizes the voice command information obtained to be encrypted as key by described terminal device and generates;
Judge module, for obtaining described voice command information, judge that whether described voice command information is identical with the first sound command information prestored, described first sound command information is decipher the key of described payment request information;
Payment module, for when the judged result of described judge module is for being, then the payment request information deciphering utilizing described first sound command information to receive described receiver module, pays according to described payment request information.
In conjunction with the implementation of third aspect present invention, in the first possible implementation of third aspect present invention, described judge module, specifically for:
Receive the information that described terminal device sends, described information carries described voice command information.
In conjunction with the first possible implementation of third aspect present invention, in the implementation that the second of third aspect present invention is possible, described payment request information comprises user account information, then the described network equipment also comprises:
Acquisition module, for obtaining described user account information according to described payment request information;
Search module, for searching the first sound command information prestored described in correspondence according to described user account information.
In conjunction with the implementation that the second of third aspect present invention is possible, in the third possible implementation of third aspect present invention, the described network equipment also comprises:
Sending module, for when the judged result of described judge module is no, then sends the first information to described terminal device, and described first information is refused to pay according to described payment request information for pointing out the described network equipment.
Fourth aspect present invention provides a kind of terminal device, comprising:
Generation module, for generating payment request information, described payment request information utilizes the voice command information obtained to be encrypted as key by terminal device and generates;
Sending module, for sending described payment request information to the network equipment, described voice command information is obtained to make the described network equipment, judge that whether described voice command information is identical with the first sound command information prestored, if be judged as YES, described first sound command information is utilized to decipher described payment request information, pay according to described payment request information, described first sound command information is decipher the key of described payment request information.
In conjunction with the implementation of fourth aspect present invention, in the first possible implementation of fourth aspect present invention, described sending module, also for:
Send information to the described network equipment, described information carries described voice command information.
Adopt the present invention, the payment request information that network equipment receiving terminal apparatus sends, described payment request information utilizes the voice command information obtained to be encrypted as key by described terminal device and generates, the described network equipment obtains described voice command information, judge that whether described voice command information is identical with the first sound command information prestored, described first sound command information is decipher the key of described payment request information, if be judged as YES, then the described network equipment utilizes described first sound command information to decipher described payment request information, pay according to described payment request information, terminal device introduces voice command information and is encrypted as double secret key payment request, instead of the password input mode adopted at present, strengthen the security of mobile payment, the key that the key and the network equipment that get encryption are used for deciphering compares by the network equipment, when key and the network equipment judging to encrypt are identical for the key deciphered, determine that the payment request information that now terminal device sends is sent by user, complete payment process again, strengthen the reliability of mobile payment.
Term " first ", " second ", " the 3rd " and " the 4th " etc. in instructions of the present invention and claims and above-mentioned accompanying drawing are for distinguishing different object, instead of for describing particular order.In addition, term " comprises " and " having " and their any distortion, and intention is to cover not exclusive comprising.Such as contain the process of series of steps or unit, method, system, product or equipment and be not defined in the step or unit listed, but also comprise the step or unit do not listed alternatively, or also comprise alternatively for other intrinsic step of these processes, method, product or equipment or unit.
Refer to Fig. 1, Fig. 1 is the schematic flow sheet of an embodiment of a kind of method of payment of the embodiment of the present invention.Wherein, terminal device can be such as mobile phone, panel computer, notebook computer, palm PC, mobile internet device (MID, mobile internet device) or other can support the equipment of mobile payment function.The network equipment can be the equipment that server etc. can realize mobile payment function.
As shown in Figure 1, an embodiment of a kind of method of payment of the embodiment of the present invention can comprise the following steps.
S100, the payment request information that network equipment receiving terminal apparatus sends, described payment request information utilizes the voice command information obtained to be encrypted as key by described terminal device and generates.
In specific implementation, the payment request that terminal device inputs according to user generates payment request information, and receive the voice command information of user's input, the voice command information of reception is encrypted as double secret key payment request information, again the payment request information after encryption is sent to the network equipment, performs corresponding delivery operation to ask the network equipment.
As the enforceable mode of one, terminal device can export indication information after the payment request receiving user's input, is used to indicate the voice command information of user's input for performing payment function.The sound instruction that terminal device inputs by sound recognition module identification user, generates voice command information according to sound instruction.
As the enforceable mode of one, voice command information can comprise sound characteristic information and the content information of user.Concrete, terminal device by the tone of sound recognition module sound recognition instruction from the sound instruction that user input, loudness and tone color, according to the tone identified, loudness and tone color generation sound characteristic information.In addition, terminal device also passes through the content of sound recognition module sound recognition instruction, according to the content generating content information identifying sound instruction.Finally, terminal device generates voice command information in conjunction with sound characteristic information and content information.
S101, the described network equipment obtains described voice command information, and judge that whether described voice command information is identical with the first sound command information prestored, described first sound command information is decipher the key of described payment request information.
In specific implementation, terminal device to the network equipment send encryption after payment request information after, by the voice command information notification network equipment, judge that to make the network equipment whether voice command information for encrypting prestore with the network equipment identical for the first sound command information of deciphering.First sound command information is that the network equipment is for deciphering the key of payment request information.
As the enforceable mode of one, the network equipment can before terminal device sends payment request information indicating terminal equipment typing first sound command information.Terminal device is after the instruction receiving the network equipment, and prompting user inputs the first sound command information.After terminal device receives the first sound command information of user's typing, the first sound command information is sent to the network equipment, now the first sound command information is preserved by the network equipment.Wherein, the first sound command information can comprise sound characteristic information and the content information of user.
As the enforceable mode of one, the network equipment, when comparing, can utilize the sound characteristic information in voice command information and content information to compare one by one with the sound characteristic information in the first sound command information and content information respectively.When the sound characteristic information in voice command information is identical with the sound characteristic information in the first sound command information, and when the content information in voice command information is identical with the content information in the first sound command information, think that the payment request information that now terminal device sends is sent by user, then determine that voice command information is identical with the first sound command information.
S102, if be judged as YES, then the described network equipment utilizes described first sound command information to decipher described payment request information, pays according to described payment request information.
In specific implementation, when the network equipment judges that voice command information is identical with the first sound command information, then utilize the first sound command information payment request information to be decrypted, then perform the operation paid according to payment request information.
Adopt the embodiment of the present invention, the payment request information that network equipment receiving terminal apparatus sends, described payment request information utilizes the voice command information obtained to be encrypted as key by described terminal device and generates, the described network equipment obtains described voice command information, judge that whether described voice command information is identical with the first sound command information prestored, described first sound command information is decipher the key of described payment request information, if be judged as YES, then the described network equipment utilizes described first sound command information to decipher described payment request information, pay according to described payment request information.Terminal device introduces voice command information and is encrypted as double secret key payment request, instead of the password input mode adopted at present, strengthens the security of mobile payment; The key that the key and the network equipment that get encryption are used for deciphering compares by the network equipment, when key and the network equipment judging to encrypt are identical for the key deciphered, determine that the payment request information that now terminal device sends is sent by user, complete payment process again, strengthen the reliability of mobile payment.
Refer to Fig. 2, Fig. 2 is the schematic flow sheet of another embodiment of a kind of method of payment of the embodiment of the present invention.Wherein, terminal device can be such as mobile phone, panel computer, notebook computer, palm PC, mobile internet device or other can support the equipment of mobile payment function.The network equipment can be the equipment that server etc. can realize mobile payment function.
As shown in Figure 2, another embodiment of a kind of method of payment of the embodiment of the present invention can comprise the following steps.
S200, the payment request information that network equipment receiving terminal apparatus sends, described payment request information utilizes the voice command information obtained to be encrypted as key by described terminal device and generates.
In specific implementation, the payment request that terminal device inputs according to user generates payment request information, and receive the voice command information of user's input, the voice command information of reception is encrypted as double secret key payment request information, again the payment request information after encryption is sent to the network equipment, performs corresponding delivery operation to ask the network equipment.
As the enforceable mode of one, terminal device can export indication information after the payment request receiving user's input, is used to indicate the voice command information of user's input for performing payment function.The sound instruction that terminal device inputs by sound recognition module identification user, generates voice command information according to sound instruction.
As the enforceable mode of one, voice command information can comprise sound characteristic information and the content information of user.Concrete, terminal device by the tone of sound recognition module sound recognition instruction from the sound instruction that user input, loudness and tone color, according to the tone identified, loudness and tone color generation sound characteristic information.In addition, terminal device also passes through the content of sound recognition module sound recognition instruction, according to the content generating content information identifying sound instruction.Finally, terminal device generates voice command information in conjunction with sound characteristic information and content information.
S201, the described network equipment receives the information that described terminal device sends, and described information carries described voice command information.
In specific implementation, terminal device to the network equipment send encryption after payment request information after, terminal device continues to send information to the network equipment, and information is used for carrying voice command information, to inform that the key of terminal device encryption payment request information is for voice command information.
S202, the described network equipment obtains described user account information according to described payment request information.
In specific implementation, terminal device also comprises user account information in the payment request information sending to the network equipment, knows user account information to make the network equipment.
As the enforceable mode of one, the network equipment can before terminal device sends payment request information indicating terminal equipment typing first sound command information, described first sound command information is decipher the key of described payment request information.Terminal device is after the instruction receiving the network equipment, and prompting user inputs the first sound command information.After terminal device receives the first sound command information of user's typing, first sound command information is sent to the network equipment, and user account information is sent to the network equipment, user account information and the first sound command information one_to_one corresponding, now the first sound command information and user account information are preserved by the network equipment, and the first sound command information is then as the key of network equipment deciphering payment request information.Wherein, the first sound command information can comprise sound characteristic information and the content information of user.
S203, the described network equipment searches the first sound command information prestored described in correspondence according to described user account information.
In specific implementation, the network equipment searches the first sound command information of the correspondence prestored according to user account information, to obtain the key for deciphering payment request information.
S204, the described network equipment judges that whether described voice command information is identical with the first sound command information prestored.
In specific implementation, the network equipment, when voice command information and the first sound command information being compared, can utilize the sound characteristic information in voice command information and content information to compare one by one with the sound characteristic information in the first sound command information and content information respectively.
S205, if be judged as YES, then the described network equipment utilizes described first sound command information to decipher described payment request information, pays according to described payment request information.
In specific implementation, the sound characteristic information judged in voice command information when the network equipment is identical with the sound characteristic information in the first sound command information, and when the content information in voice command information is identical with the content information in the first sound command information, think that the payment request information that now terminal device sends is sent by user, then determine that voice command information is identical with the first sound command information.Thus, the network equipment utilizes the first sound command information payment request information to be decrypted, then performs the operation paid according to payment request information.
S206, if be judged as NO, then the described network equipment sends the first information to described terminal device, and described first information is refused to pay according to described payment request information for pointing out the described network equipment.
In specific implementation, sound characteristic information in voice command information is used for the sound characteristic of unique identification user, to determine that the sound characteristic recognized is from this user, if the network equipment judges that the sound characteristic of voice command information is not from this user, the network equipment is then refused to pay according to payment request information.
In specific implementation, if the network equipment judges that the content information of voice command information is different from the content information of the first sound command information, then network equipment refusal pays according to payment request information.Such as, the content information of the first sound command information can be " please pay ".If the content information in the voice command information that the network equipment identifies is not " please pay ", but the other guide such as such as " payment ", " asking ", " expenditure " or " please pay ", then the network equipment can be refused to pay according to payment request information.
As the enforceable mode of one, if the sound characteristic information of the sound characteristic information in voice command information and content information and the first sound command information and content information all not identical, then the network equipment can be refused to pay according to payment request information.
Adopt the embodiment of the present invention, the payment request information that network equipment receiving terminal apparatus sends, described payment request information utilizes the voice command information obtained to be encrypted as key by described terminal device and generates, the described network equipment obtains described voice command information, judge that whether described voice command information is identical with the first sound command information prestored, described first sound command information is decipher the key of described payment request information, if be judged as YES, described first sound command information is then utilized to decipher described payment request information, pay according to described payment request information.Terminal device introduces voice command information and is encrypted as double secret key payment request, instead of the password input mode adopted at present, strengthens the security of mobile payment; The key that the key and the network equipment that get encryption are used for deciphering compares by the network equipment, when key and the network equipment judging to encrypt are identical for the key deciphered, determine that the payment request information that now terminal device sends is sent by user, complete payment process again, strengthen the reliability of mobile payment.
Refer to Fig. 3, Fig. 3 is the schematic flow sheet of another embodiment of a kind of method of payment of the embodiment of the present invention.Wherein, terminal device can be such as mobile phone, panel computer, notebook computer, palm PC, mobile internet device or other can support the equipment of mobile payment function.The network equipment can be the equipment that server etc. can realize mobile payment function.
As shown in Figure 3, another embodiment of a kind of method of payment of the embodiment of the present invention can comprise the following steps.
S300, terminal device generates payment request information, and described payment request information utilizes the voice command information obtained to be encrypted as key by described terminal device and generates.
In specific implementation, the payment request that terminal device inputs according to user generates payment request information, and receives the voice command information of user's input, the voice command information of reception is encrypted as double secret key payment request information.
As the enforceable mode of one, terminal device can export indication information after the payment request receiving user's input, is used to indicate the voice command information of user's input for performing payment function.The sound instruction that terminal device inputs by sound recognition module identification user, generates voice command information according to sound instruction.
As the enforceable mode of one, voice command information can comprise sound characteristic information and the content information of user.Concrete, terminal device by the tone of sound recognition module sound recognition instruction from the sound instruction that user input, loudness and tone color, according to the tone identified, loudness and tone color generation sound characteristic information.In addition, terminal device also passes through the content of sound recognition module sound recognition instruction, according to the content generating content information identifying sound instruction.Finally, terminal device generates voice command information in conjunction with sound characteristic information and content information.
S301, described terminal device sends described payment request information to the network equipment, described voice command information is obtained to make the described network equipment, judge that whether described voice command information is identical with the first sound command information prestored, if be judged as YES, described first sound command information is utilized to decipher described payment request information, pay according to described payment request information, described first sound command information is decipher the key of described payment request information.
In specific implementation, the payment request information after encryption is sent to the network equipment by terminal device, performs corresponding delivery operation to ask the network equipment.Terminal device to the network equipment send encryption after payment request information after, by the voice command information notification network equipment, judge that to make the network equipment whether voice command information for encrypting prestore with the network equipment identical for the first sound command information of deciphering.First sound command information is that the network equipment is for deciphering the key of payment request information.
As the enforceable mode of one, the network equipment can before terminal device sends payment request information indicating terminal equipment typing first sound command information.Terminal device is after the instruction receiving the network equipment, and prompting user inputs the first sound command information.After terminal device receives the first sound command information of user's typing, the first sound command information is sent to the network equipment, now the first sound command information is preserved by the network equipment.Wherein, the first sound command information can comprise sound characteristic information and the content information of user.
As the enforceable mode of one, the network equipment, when comparing, can utilize the sound characteristic information in voice command information and content information to compare one by one with the sound characteristic information in the first sound command information and content information respectively.When the sound characteristic information in voice command information is identical with the sound characteristic information in the first sound command information, and when the content information in voice command information is identical with the content information in the first sound command information, think that the payment request information that now terminal device sends is sent by user, then determine that voice command information is identical with the first sound command information.
In specific implementation, when the network equipment judges that voice command information is identical with the first sound command information, then utilize the first sound command information payment request information to be decrypted, then perform the operation paid according to payment request information.
Adopt the embodiment of the present invention, terminal device generates payment request information, described payment request information utilizes the voice command information obtained to be encrypted as key by described terminal device and generates, described terminal device sends described payment request information to the network equipment, described voice command information is obtained to make the described network equipment, judge that whether described voice command information is identical with the first sound command information prestored, if be judged as YES, described first sound command information is utilized to decipher described payment request information, pay according to described payment request information, described first sound command information is decipher the key of described payment request information.Terminal device introduces voice command information and is encrypted as double secret key payment request, instead of the password input mode adopted at present, strengthens the security of mobile payment; The key that the key and the network equipment that get encryption are used for deciphering compares by the network equipment, when key and the network equipment judging to encrypt are identical for the key deciphered, determine that the payment request information that now terminal device sends is sent by user, complete payment process again, strengthen the reliability of mobile payment.
Refer to Fig. 4, Fig. 4 is the schematic flow sheet of another embodiment of a kind of method of payment of the embodiment of the present invention.Wherein, terminal device can be such as mobile phone, panel computer, notebook computer, palm PC, mobile internet device or other can support the equipment of mobile payment function.The network equipment can be the equipment that server etc. can realize mobile payment function.
As shown in Figure 4, another embodiment of a kind of method of payment of the embodiment of the present invention can comprise the following steps.
S400, terminal device generates payment request information, and described payment request information utilizes the voice command information obtained to be encrypted as key by described terminal device and generates.
In specific implementation, the payment request that terminal device inputs according to user generates payment request information, and receives the voice command information of user's input, the voice command information of reception is encrypted as double secret key payment request information.
As the enforceable mode of one, terminal device can export indication information after the payment request receiving user's input, is used to indicate the voice command information of user's input for performing payment function.The sound instruction that terminal device inputs by sound recognition module identification user, generates voice command information according to sound instruction.
As the enforceable mode of one, voice command information can comprise sound characteristic information and the content information of user.Concrete, terminal device by the tone of sound recognition module sound recognition instruction from the sound instruction that user input, loudness and tone color, according to the tone identified, loudness and tone color generation sound characteristic information.In addition, terminal device also passes through the content of sound recognition module sound recognition instruction, according to the content generating content information identifying sound instruction.Finally, terminal device generates voice command information in conjunction with sound characteristic information and content information.
S401, described terminal device sends described payment request information to the network equipment, described voice command information is obtained to make the described network equipment, judge that whether described voice command information is identical with the first sound command information prestored, if be judged as YES, described first sound command information is utilized to decipher described payment request information, pay according to described payment request information, described first sound command information is decipher the key of described payment request information.
In specific implementation, the payment request information after encryption is sent to the network equipment by terminal device, performs corresponding delivery operation to ask the network equipment.Terminal device to the network equipment send encryption after payment request information after, by the voice command information notification network equipment, judge that to make the network equipment whether voice command information for encrypting prestore with the network equipment identical for the first sound command information of deciphering.First sound command information is that the network equipment is for deciphering the key of payment request information.
As the enforceable mode of one, terminal device also comprises user account information in the payment request information sending to the network equipment, knows user account information to make the network equipment.
As the enforceable mode of one, the network equipment can before terminal device sends payment request information indicating terminal equipment typing first sound command information, described first sound command information is decipher the key of described payment request information.Terminal device is after the instruction receiving the network equipment, and prompting user inputs the first sound command information.After terminal device receives the first sound command information of user's typing, first sound command information is sent to the network equipment, and user account information is sent to the network equipment, user account information and the first sound command information one_to_one corresponding, now the first sound command information and user account information are preserved by the network equipment, and the first sound command information is then as the key of network equipment deciphering payment request information.Wherein, the first sound command information can comprise sound characteristic information and the content information of user.
As the enforceable mode of one, the network equipment searches the first sound command information of the correspondence prestored according to user account information, to obtain the key for deciphering payment request information.
As the enforceable mode of one, the network equipment, when comparing, can utilize the sound characteristic information in voice command information and content information to compare one by one with the sound characteristic information in the first sound command information and content information respectively.When the sound characteristic information in voice command information is identical with the sound characteristic information in the first sound command information, and when the content information in voice command information is identical with the content information in the first sound command information, think that the payment request information that now terminal device sends is sent by user, then determine that voice command information is identical with the first sound command information.
In specific implementation, when the network equipment judges that voice command information is identical with the first sound command information, then utilize the first sound command information payment request information to be decrypted, then perform the operation paid according to payment request information.
As the enforceable mode of one, sound characteristic information in voice command information is used for the sound characteristic of unique identification user, to determine that the sound characteristic recognized is from this user, if the network equipment judges that the sound characteristic of voice command information is not from this user, the network equipment is then refused to pay according to payment request information.
As the enforceable mode of one, if the network equipment judges that the content information of voice command information is different from the content information of the first sound command information, then network equipment refusal pays according to payment request information.Such as, the content information of the first sound command information can be " please pay ".If the content information in the voice command information that the network equipment identifies is not " please pay ", but the other guide such as such as " payment ", " asking ", " expenditure " or " please pay ", then the network equipment can be refused to pay according to payment request information.
As the enforceable mode of one, if the sound characteristic information of the sound characteristic information in voice command information and content information and the first sound command information and content information all not identical, then the network equipment can be refused to pay according to payment request information.
S402, described terminal device sends information to the described network equipment, and described information carries described voice command information.
In specific implementation, terminal device to the network equipment send encryption after payment request information after, terminal device continues to send information to the network equipment, and information is used for carrying voice command information, to inform that the key of terminal device encryption payment request information is for voice command information.
Adopt the embodiment of the present invention, terminal device generates payment request information, described payment request information utilizes the voice command information obtained to be encrypted as key by described terminal device and generates, described terminal device sends described payment request information to the network equipment, described voice command information is obtained to make the described network equipment, judge that whether described voice command information is identical with the first sound command information prestored, if be judged as YES, described first sound command information is utilized to decipher described payment request information, pay according to described payment request information, described first sound command information is decipher the key of described payment request information.Terminal device introduces voice command information and is encrypted as double secret key payment request, instead of the password input mode adopted at present, strengthens the security of mobile payment; The key that the key and the network equipment that get encryption are used for deciphering compares by the network equipment, when key and the network equipment judging to encrypt are identical for the key deciphered, determine that the payment request information that now terminal device sends is sent by user, complete payment process again, strengthen the reliability of mobile payment.
Refer to Fig. 5, Fig. 5 is the structural representation of a kind of network equipment of the embodiment of the present invention.The network equipment as shown in Figure 5 comprises receiver module 500, judge module 501 and payment module 502.
Receiver module 500, for the payment request information that receiving terminal apparatus sends, described payment request information utilizes the voice command information obtained to be encrypted as key by described terminal device and generates;
Judge module 501, for obtaining described voice command information, judge that whether described voice command information is identical with the first sound command information prestored, described first sound command information is decipher the key of described payment request information;
Payment module 502, for when the judged result of described judge module 501 is for being, then the payment request information deciphering utilizing described first sound command information to receive described receiver module 500, pays according to described payment request information.
In specific implementation, the payment request that terminal device inputs according to user generates payment request information, and receive the voice command information of user's input, the voice command information of reception is encrypted as double secret key payment request information, again the payment request information after encryption is sent to the network equipment, performs corresponding delivery operation to ask the network equipment.
As the enforceable mode of one, terminal device can export indication information after the payment request receiving user's input, is used to indicate the voice command information of user's input for performing payment function.The sound instruction that terminal device inputs by sound recognition module identification user, generates voice command information according to sound instruction.
As the enforceable mode of one, voice command information can comprise sound characteristic information and the content information of user.Concrete, terminal device by the tone of sound recognition module sound recognition instruction from the sound instruction that user input, loudness and tone color, according to the tone identified, loudness and tone color generation sound characteristic information.In addition, terminal device also passes through the content of sound recognition module sound recognition instruction, according to the content generating content information identifying sound instruction.Finally, terminal device generates voice command information in conjunction with sound characteristic information and content information.
In specific implementation, terminal device to the network equipment send encryption after payment request information after, by the voice command information notification network equipment, judge that to make the network equipment whether voice command information for encrypting prestore with the network equipment identical for the first sound command information of deciphering.First sound command information is that the network equipment is for deciphering the key of payment request information.
As the enforceable mode of one, the network equipment can before terminal device sends payment request information indicating terminal equipment typing first sound command information.Terminal device is after the instruction receiving the network equipment, and prompting user inputs the first sound command information.After terminal device receives the first sound command information of user's typing, the first sound command information is sent to the network equipment, now the first sound command information is preserved by the network equipment.Wherein, the first sound command information can comprise sound characteristic information and the content information of user.
As the enforceable mode of one, the network equipment, when comparing, can utilize the sound characteristic information in voice command information and content information to compare one by one with the sound characteristic information in the first sound command information and content information respectively.When the sound characteristic information in voice command information is identical with the sound characteristic information in the first sound command information, and when the content information in voice command information is identical with the content information in the first sound command information, think that the payment request information that now terminal device sends is sent by user, then determine that voice command information is identical with the first sound command information.
In specific implementation, when the network equipment judges that voice command information is identical with the first sound command information, then utilize the first sound command information payment request information to be decrypted, then perform the operation paid according to payment request information.
As the enforceable mode of one, described judge module 501, specifically for:
Receive the information that described terminal device sends, described information carries described voice command information.
In specific implementation, terminal device to the network equipment send encryption after payment request information after, terminal device continues to send information to the network equipment, and information is used for carrying voice command information, to inform that the key of terminal device encryption payment request information is for voice command information.
As the enforceable mode of one, as shown in Figure 6, described payment request information comprises user account information, then the described network equipment also comprises acquisition module 503 and searches module 504.
Acquisition module 503, for obtaining described user account information according to described payment request information;
Search module 504, for searching the first sound command information prestored described in correspondence according to described user account information.
In specific implementation, terminal device also comprises user account information in the payment request information sending to the network equipment, knows user account information to make the network equipment.
As the enforceable mode of one, the network equipment can before terminal device sends payment request information indicating terminal equipment typing first sound command information, described first sound command information is decipher the key of described payment request information.Terminal device is after the instruction receiving the network equipment, and prompting user inputs the first sound command information.After terminal device receives the first sound command information of user's typing, first sound command information is sent to the network equipment, and user account information is sent to the network equipment, user account information and the first sound command information one_to_one corresponding, now the first sound command information and user account information are preserved by the network equipment, and the first sound command information is then as the key of network equipment deciphering payment request information.Wherein, the first sound command information can comprise sound characteristic information and the content information of user.
In specific implementation, the network equipment searches the first sound command information of the correspondence prestored according to user account information, to obtain the key for deciphering payment request information.
As the enforceable mode of one, as shown in Figure 6, the described network equipment also comprises sending module 505.
Sending module 505, for when the judged result of described judge module 501 is no, then sends the first information to described terminal device, and described first information is refused to pay according to described payment request information for pointing out the described network equipment.
In specific implementation, sound characteristic information in voice command information is used for the sound characteristic of unique identification user, to determine that the sound characteristic recognized is from this user, if the network equipment judges that the sound characteristic of voice command information is not from this user, the network equipment is then refused to pay according to payment request information.
In specific implementation, if the network equipment judges that the content information of voice command information is different from the content information of the first sound command information, then network equipment refusal pays according to payment request information.Such as, the content information of the first sound command information can be " please pay ".If the content information in the voice command information that the network equipment identifies is not " please pay ", but the other guide such as such as " payment ", " asking ", " expenditure " or " please pay ", then the network equipment can be refused to pay according to payment request information.
As the enforceable mode of one, if the sound characteristic information of the sound characteristic information in voice command information and content information and the first sound command information and content information all not identical, then the network equipment can be refused to pay according to payment request information.
Adopt the embodiment of the present invention, the payment request information that network equipment receiving terminal apparatus sends, described payment request information utilizes the voice command information obtained to be encrypted as key by described terminal device and generates, the described network equipment obtains described voice command information, judge that whether described voice command information is identical with the first sound command information prestored, described first sound command information is decipher the key of described payment request information, if be judged as YES, described first sound command information is then utilized to decipher described payment request information, pay according to described payment request information.Terminal device introduces voice command information and is encrypted as double secret key payment request, instead of the password input mode adopted at present, strengthens the security of mobile payment; The key that the key and the network equipment that get encryption are used for deciphering compares by the network equipment, when key and the network equipment judging to encrypt are identical for the key deciphered, determine that the payment request information that now terminal device sends is sent by user, complete payment process again, strengthen the reliability of mobile payment.
Refer to Fig. 7, Fig. 7 is the structural representation of a kind of terminal device of the embodiment of the present invention.Terminal device as shown in Figure 7 comprises generation module 700 and sending module 701.
Generation module 700, for generating payment request information, described payment request information utilizes the voice command information obtained to be encrypted as key by terminal device and generates;
Sending module 701, for sending described payment request information to the network equipment, described voice command information is obtained to make the described network equipment, judge that whether described voice command information is identical with the first sound command information prestored, if be judged as YES, described first sound command information is utilized to decipher described payment request information, pay according to described payment request information, described first sound command information is decipher the key of described payment request information.
In specific implementation, the payment request that terminal device inputs according to user generates payment request information, and receives the voice command information of user's input, the voice command information of reception is encrypted as double secret key payment request information.
As the enforceable mode of one, terminal device can export indication information after the payment request receiving user's input, is used to indicate the voice command information of user's input for performing payment function.The sound instruction that terminal device inputs by sound recognition module identification user, generates voice command information according to sound instruction.
As the enforceable mode of one, voice command information can comprise sound characteristic information and the content information of user.Concrete, terminal device by the tone of sound recognition module sound recognition instruction from the sound instruction that user input, loudness and tone color, according to the tone identified, loudness and tone color generation sound characteristic information.In addition, terminal device also passes through the content of sound recognition module sound recognition instruction, according to the content generating content information identifying sound instruction.Finally, terminal device generates voice command information in conjunction with sound characteristic information and content information.
In specific implementation, the payment request information after encryption is sent to the network equipment by terminal device, performs corresponding delivery operation to ask the network equipment.Terminal device to the network equipment send encryption after payment request information after, by the voice command information notification network equipment, judge that to make the network equipment whether voice command information for encrypting prestore with the network equipment identical for the first sound command information of deciphering.First sound command information is that the network equipment is for deciphering the key of payment request information.
As the enforceable mode of one, the network equipment can before terminal device sends payment request information indicating terminal equipment typing first sound command information.Terminal device is after the instruction receiving the network equipment, and prompting user inputs the first sound command information.After terminal device receives the first sound command information of user's typing, the first sound command information is sent to the network equipment, now the first sound command information is preserved by the network equipment.Wherein, the first sound command information can comprise sound characteristic information and the content information of user.
As the enforceable mode of one, the network equipment, when comparing, can utilize the sound characteristic information in voice command information and content information to compare one by one with the sound characteristic information in the first sound command information and content information respectively.When the sound characteristic information in voice command information is identical with the sound characteristic information in the first sound command information, and when the content information in voice command information is identical with the content information in the first sound command information, think that the payment request information that now terminal device sends is sent by user, then determine that voice command information is identical with the first sound command information.
In specific implementation, when the network equipment judges that voice command information is identical with the first sound command information, then utilize the first sound command information payment request information to be decrypted, then perform the operation paid according to payment request information.
As the enforceable mode of one, described sending module 701, also for:
Send information to the described network equipment, described information carries described voice command information.
In specific implementation, terminal device to the network equipment send encryption after payment request information after, terminal device continues to send information to the network equipment, and information is used for carrying voice command information, to inform that the key of terminal device encryption payment request information is for voice command information.
Adopt the embodiment of the present invention, terminal device generates payment request information, described payment request information utilizes the voice command information obtained to be encrypted as key by described terminal device and generates, described terminal device sends described payment request information to the network equipment, described voice command information is obtained to make the described network equipment, judge that whether described voice command information is identical with the first sound command information prestored, if be judged as YES, described first sound command information is utilized to decipher described payment request information, pay according to described payment request information, described first sound command information is decipher the key of described payment request information.Terminal device introduces voice command information and is encrypted as double secret key payment request, instead of the password input mode adopted at present, strengthens the security of mobile payment; The key that the key and the network equipment that get encryption are used for deciphering compares by the network equipment, when key and the network equipment judging to encrypt are identical for the key deciphered, determine that the payment request information that now terminal device sends is sent by user, complete payment process again, strengthen the reliability of mobile payment.
Device embodiment described above is only schematic, the wherein said unit illustrated as separating component or can may not be and physically separates, parts as unit display can be or may not be physical location, namely can be positioned at a place, or also can be distributed in multiple network element.Some or all of module wherein can be selected according to the actual needs to realize the object of the present embodiment scheme.Those of ordinary skill in the art, when not paying performing creative labour, are namely appreciated that and implement.
Step in embodiment of the present invention method can be carried out order according to actual needs and be adjusted, merges and delete.
Module in embodiment of the present invention device or unit can carry out merging, divide and deleting according to actual needs.
The module of the embodiment of the present invention or module, with universal integrated circuit (as central processor CPU), or can realize with special IC (ASIC).
Through the above description of the embodiments, those skilled in the art can be well understood to the mode that each embodiment can add required general hardware platform by software and realize, and can certainly pass through hardware.Based on such understanding, technique scheme can embody with the form of software product the part that prior art contributes in essence in other words, this computer software product can store in a computer-readable storage medium, as ROM/RAM, magnetic disc, CD etc., comprising some instructions in order to make a computer equipment (can be personal computer, server, or the network equipment etc.) perform the method described in some part of each embodiment or embodiment.
Above-described embodiment, does not form the restriction to this technical scheme protection domain.The amendment done within any spirit at above-mentioned embodiment and principle, equivalently to replace and improvement etc., within the protection domain that all should be included in this technical scheme.
Accompanying drawing explanation
In order to be illustrated more clearly in the technical scheme of the embodiment of the present invention, below the accompanying drawing used required in describing embodiment is briefly described, apparently, accompanying drawing in the following describes is some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
Fig. 1 is the schematic flow sheet of an embodiment of a kind of method of payment of the embodiment of the present invention;
Fig. 2 is the schematic flow sheet of another embodiment of a kind of method of payment of the embodiment of the present invention;
Fig. 3 is the schematic flow sheet of another embodiment of a kind of method of payment of the embodiment of the present invention;
Fig. 4 is the schematic flow sheet of another embodiment of a kind of method of payment of the embodiment of the present invention;
Fig. 5 is the structural representation of a kind of network equipment of the embodiment of the present invention;
Fig. 6 is the structural representation of the another kind of network equipment of the embodiment of the present invention;
Fig. 7 is the structural representation of a kind of terminal device of the embodiment of the present invention.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, be clearly and completely described the technical scheme in the embodiment of the present invention, obviously, described embodiment is the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art, not making the every other embodiment obtained under creative work prerequisite, belong to the scope of protection of the invention.
Adopt the embodiment of the present invention, to be correlated with payment information by voice command information encryption, to complete the process of mobile payment.
Claims (12)
1. a method of payment, is characterized in that, comprising:
The payment request information that network equipment receiving terminal apparatus sends, described payment request information utilizes the voice command information obtained to be encrypted as key by described terminal device and generates;
The described network equipment obtains described voice command information, and judge that whether described voice command information is identical with the first sound command information prestored, described first sound command information is decipher the key of described payment request information;
If be judged as YES, then the described network equipment utilizes described first sound command information to decipher described payment request information, pays according to described payment request information.
2. method according to claim 1, is characterized in that, the described network equipment obtains described voice command information, comprising:
The described network equipment receives the information that described terminal device sends, and described information carries described voice command information.
3. method according to claim 2, is characterized in that, described payment request information comprises user account information, then described judge that whether described voice command information identical with the first sound command information prestored before, described method also comprises:
The described network equipment obtains described user account information according to described payment request information;
The described network equipment searches the first sound command information prestored described in correspondence according to described user account information.
4. method according to claim 3, is characterized in that, described judge that whether described voice command information identical with the first sound command information prestored after, described method also comprises:
If be judged as NO, then the described network equipment sends the first information to described terminal device, and described first information is refused to pay according to described payment request information for pointing out the described network equipment.
5. a method of payment, is characterized in that, comprising:
Terminal device generates payment request information, and described payment request information utilizes the voice command information obtained to be encrypted as key by described terminal device and generates;
Described terminal device sends described payment request information to the network equipment, described voice command information is obtained to make the described network equipment, judge that whether described voice command information is identical with the first sound command information prestored, if be judged as YES, described first sound command information is utilized to decipher described payment request information, pay according to described payment request information, described first sound command information is decipher the key of described payment request information.
6. method according to claim 5, is characterized in that, described terminal device is to after the network equipment sends described payment request information, and described method also comprises:
Described terminal device sends information to the described network equipment, and described information carries described voice command information.
7. a network equipment, is characterized in that, comprising:
Receiver module, for the payment request information that receiving terminal apparatus sends, described payment request information utilizes the voice command information obtained to be encrypted as key by described terminal device and generates;
Judge module, for obtaining described voice command information, judge that whether described voice command information is identical with the first sound command information prestored, described first sound command information is decipher the key of described payment request information;
Payment module, for when the judged result of described judge module is for being, then the payment request information deciphering utilizing described first sound command information to receive described receiver module, pays according to described payment request information.
8. the network equipment according to claim 7, is characterized in that, described judge module, specifically for:
Receive the information that described terminal device sends, described information carries described voice command information.
9. the network equipment according to claim 8, is characterized in that, described payment request information comprises user account information, then the described network equipment also comprises:
Acquisition module, for obtaining described user account information according to described payment request information;
Search module, for searching the first sound command information prestored described in correspondence according to described user account information.
10. the network equipment according to claim 9, is characterized in that, the described network equipment also comprises:
Sending module, for when the judged result of described judge module is no, then sends the first information to described terminal device, and described first information is refused to pay according to described payment request information for pointing out the described network equipment.
11. 1 kinds of terminal devices, is characterized in that, comprising:
Generation module, for generating payment request information, described payment request information utilizes the voice command information obtained to be encrypted as key by terminal device and generates;
Sending module, for sending described payment request information to the network equipment, described voice command information is obtained to make the described network equipment, judge that whether described voice command information is identical with the first sound command information prestored, if be judged as YES, described first sound command information is utilized to decipher described payment request information, pay according to described payment request information, described first sound command information is decipher the key of described payment request information.
12. terminal devices according to claim 9, is characterized in that, described sending module, also for:
Send information to the described network equipment, described information carries described voice command information.
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| CN201510459257.8A CN105023155A (en) | 2015-07-29 | 2015-07-29 | Payment method, network equipment and terminal equipment |
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| CN201510459257.8A CN105023155A (en) | 2015-07-29 | 2015-07-29 | Payment method, network equipment and terminal equipment |
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Application publication date: 20151104 |