CN105023155A - Payment method, network equipment and terminal equipment - Google Patents

Abstract

The invention provides a payment method, which comprises the following steps: the method comprises the steps that a network device receives payment request information sent by a terminal device, and the payment request information is generated by encrypting the terminal device by using acquired voice command information as a secret key; the network equipment acquires the voice command information and judges whether the voice command information is the same as first pre-stored voice command information, wherein the first voice command information is a secret key for decrypting the payment request information; if the information is judged to be yes, the payment request information is decrypted by using the first voice command information, and payment is carried out according to the payment request information. The embodiment of the invention also discloses network equipment and terminal equipment. By adopting the invention, the related payment information can be encrypted through the voice command information, and the process of mobile payment is completed.

Description

A payment method, network equipment and terminal equipment

technical field

The present invention relates to the technical field of communication, in particular to a payment method, network equipment and terminal equipment.

Background technique

With the rapid development of wireless mobile technology, more and more applications begin to appear on terminal equipment, among which the realization of the mobile payment function has the highest requirement for confidentiality. At present, many payment applications can realize functions such as mobile payment and small amount transfer. By establishing a unique binding relationship between the user account and the bank card held by the user, only the user account that is bound for access can realize the payment function. Payment applications also have a timeout protection function, limiting the number of times the mobile phone enters a password to no more than 3 times, preventing brute force cracking using the brute force method, and other technologies to ensure security. Some payment applications also use dynamic password technology.

However, the encryption and decryption technologies of the wireless mobile payment function in the above-mentioned prior art all rely on the software operation in the wireless mobile terminal, and do not use the user's own characteristics to carry out personalized binding with the mobile payment function, and the reliability still needs to be strengthened .

Contents of the invention

The present invention provides a payment method, network equipment and terminal equipment, which can encrypt related payment information through voice command information to complete the process of mobile payment.

The first aspect of the present invention provides a payment method, including:

The network device receives the payment request information sent by the terminal device, and the payment request information is generated by the terminal device using the acquired voice command information as a key for encryption;

The network device acquires the voice command information, and judges whether the voice command information is the same as the pre-stored first voice command information, and the first voice command information is a key for decrypting the payment request information;

If the judgment is yes, the network device decrypts the payment request information by using the first voice command information, and makes payment according to the payment request information.

With reference to the implementation of the first aspect of the present invention, in a first possible implementation of the first aspect of the present invention, the network device acquiring the voice command information includes:

The network device receives the prompt information sent by the terminal device, where the prompt information carries the voice command information.

With reference to the first possible implementation of the first aspect of the present invention, in the second possible implementation of the first aspect of the present invention, the payment request information includes user account information, and the judgment of the voice command information Whether it is the same as the pre-stored first voice command information, the method also includes:

The network device acquires the user account information according to the payment request information;

The network device searches for the corresponding pre-stored first voice command information according to the user account information.

With reference to the second possible implementation manner of the first aspect of the present invention, in the third possible implementation manner of the first aspect of the present invention, the judging whether the voice command information is the same as the pre-stored first voice command information Afterwards, the method also includes:

If the judgment is no, the network device sends first prompt information to the terminal device, where the first prompt information is used to prompt the network device to refuse payment according to the payment request information.

The second aspect of the present invention provides a payment method, including:

The terminal device generates payment request information, and the payment request information is encrypted by the terminal device using the acquired voice command information as a key;

The terminal device sends the payment request information to the network device, so that the network device obtains the voice command information, and judges whether the voice command information is the same as the pre-stored first voice command information, and if it is judged to be yes, then Decrypting the payment request information by using the first voice command information, and making payment according to the payment request information, where the first voice command information is a key for decrypting the payment request information.

With reference to the implementation of the second aspect of the present invention, in the first possible implementation of the second aspect of the present invention, after the terminal device sends the payment request information to the network device, the method further includes:

The terminal device sends prompt information to the network device, where the prompt information carries the voice command information.

A third aspect of the present invention provides a network device, including:

The receiving module is used to receive the payment request information sent by the terminal device, and the payment request information is generated by the terminal device using the acquired voice command information as a key for encryption;

A judging module, configured to acquire the voice command information, and judge whether the voice command information is the same as the pre-stored first voice command information, and the first voice command information is a key for decrypting the payment request information;

The payment module is configured to use the first voice command information to decrypt the payment request information received by the receiving module when the judgment result of the judgment module is yes, and make payment according to the payment request information.

In combination with the implementation of the third aspect of the present invention, in the first possible implementation of the third aspect of the present invention, the judging module is specifically used for:

Receive prompt information sent by the terminal device, where the prompt information carries the voice command information.

With reference to the first possible implementation of the third aspect of the present invention, in the second possible implementation of the third aspect of the present invention, the payment request information includes user account information, and the network device further includes:

An acquisition module, configured to acquire the user account information according to the payment request information;

A search module, configured to search for the corresponding pre-stored first voice command information according to the user account information.

With reference to the second possible implementation manner of the third aspect of the present invention, in a third possible implementation manner of the third aspect of the present invention, the network device further includes:

A sending module, configured to send first prompt information to the terminal device when the judgment result of the judging module is no, the first prompt information is used to prompt the network device to refuse to make payments based on the payment request information. pay.

A fourth aspect of the present invention provides a terminal device, including:

A generating module, configured to generate payment request information, the payment request information is generated by the terminal device using the acquired voice command information as a key for encryption;

A sending module, configured to send the payment request information to the network device, so that the network device acquires the voice command information, and judge whether the voice command information is the same as the pre-stored first voice command information, and if it is judged to be yes Then use the first voice command information to decrypt the payment request information, and make payment according to the payment request information, where the first voice command information is a key for decrypting the payment request information.

In combination with the implementation of the fourth aspect of the present invention, in the first possible implementation of the fourth aspect of the present invention, the sending module is further configured to:

Send prompt information to the network device, where the prompt information carries the voice command information.

With the present invention, the network device receives the payment request information sent by the terminal device, the payment request information is generated by the terminal device using the acquired voice command information as a key for encryption, the network device acquires the voice command information, Judging whether the voice command information is the same as the pre-stored first voice command information, the first voice command information is the key to decrypt the payment request information, if the judgment is yes, the network device uses the first voice command information A sound command information decrypts the payment request information, and pays according to the payment request information. The terminal device introduces the sound command information as a key to encrypt the payment request, replacing the currently used password input method, and strengthening the mobile payment. security; the network device compares the obtained encrypted key with the key used for decryption by the network device, and when it is judged that the encrypted key is the same as the key used by the network device for decryption, it is determined that the terminal device sends The payment request information is sent by the user himself, and then the payment process is completed, which enhances the reliability of mobile payment.

Description of drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the following will briefly introduce the drawings that need to be used in the description of the embodiments. Obviously, the drawings in the following description are some embodiments of the present invention. Those of ordinary skill in the art can also obtain other drawings based on these drawings without paying creative labor.

FIG. 1 is a schematic flow diagram of an embodiment of a payment method according to an embodiment of the present invention;

Fig. 2 is a schematic flow chart of another embodiment of a payment method according to the embodiment of the present invention;

Fig. 3 is a schematic flow chart of another embodiment of a payment method according to the embodiment of the present invention;

Fig. 4 is a schematic flow chart of another embodiment of a payment method according to the embodiment of the present invention;

FIG. 5 is a schematic structural diagram of a network device according to an embodiment of the present invention;

FIG. 6 is a schematic structural diagram of another network device according to an embodiment of the present invention;

Fig. 7 is a schematic structural diagram of a terminal device according to an embodiment of the present invention.

detailed description

The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are some of the embodiments of the present invention, but not all of them. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.

By adopting the embodiment of the present invention, the relevant payment information can be encrypted through voice command information, and the mobile payment process can be completed.

The terms "first", "second", "third" and "fourth" in the specification and claims of the present invention and the above drawings are used to distinguish different objects, rather than to describe a specific order. Furthermore, the terms "include" and "have", as well as any variations thereof, are intended to cover a non-exclusive inclusion. For example, a process, method, system, product or device comprising a series of steps or units is not limited to the listed steps or units, but optionally also includes unlisted steps or units, or optionally further includes For other steps or units inherent in these processes, methods, products or apparatuses.

Please refer to FIG. 1 . FIG. 1 is a schematic flowchart of an embodiment of a payment method according to an embodiment of the present invention. Wherein, the terminal device may be, for example, a mobile phone, a tablet computer, a notebook computer, a palmtop computer, a mobile internet device (MID, mobile internet device) or other devices that can support the mobile payment function. The network device may be a server and other devices that can realize the mobile payment function.

As shown in FIG. 1 , an embodiment of a payment method in an embodiment of the present invention may include the following steps.

S100. The network device receives payment request information sent by the terminal device, where the payment request information is generated by encrypting the terminal device using the acquired voice command information as a key.

In a specific implementation, the terminal device generates payment request information according to the payment request input by the user, and receives the voice command information input by the user, uses the received voice command information as a key to encrypt the payment request information, and then encrypts the encrypted payment request information Send it to the network device to request the network device to perform the corresponding payment operation.

As an implementable manner, after receiving the payment request input by the user, the terminal device may output instruction information for instructing the user to input voice command information for executing the payment function. The terminal device can recognize the voice command input by the user through the voice recognition module, and generate voice command information according to the voice command.

As an implementable manner, the voice command information may include voice feature information and content information of the user. Specifically, the terminal device recognizes the tone, loudness and timbre of the voice command from the voice command input by the user through the voice recognition module, and generates sound feature information according to the recognized tone, loudness and timbre. In addition, the terminal device also recognizes the content of the voice command through the voice recognition module, and generates content information according to the recognized content of the voice command. Finally, the terminal device generates voice command information in combination with the voice feature information and content information.

S101. The network device acquires the voice command information, and judges whether the voice command information is the same as the pre-stored first voice command information, where the first voice command information is a key for decrypting the payment request information.

In a specific implementation, after the terminal device sends the encrypted payment request information to the network device, it informs the network device of the voice command information, so that the network device judges whether the voice command information used for encryption is consistent with the pre-stored voice command information used for decryption in the network device. A voice command message is the same. The first voice command information is a key used by the network device to decrypt the payment request information.

As an implementable manner, the network device may instruct the terminal device to input the first voice command information before the terminal device sends the payment request information. After receiving the instruction from the network device, the terminal device prompts the user to input the first voice command information. After receiving the first voice command information entered by the user, the terminal device sends the first voice command information to the network device, and at this time the network device saves the first voice command information. Wherein, the first voice command information may include voice feature information and content information of the user.

As an implementable manner, when making the comparison, the network device may use the voice feature information and content information in the voice command information to perform a one-to-one comparison with the voice feature information and content information in the first voice command information. When the voice feature information in the voice command information is the same as the voice feature information in the first voice command information, and the content information in the voice command information is the same as the content information in the first voice command information, it is considered that the information sent by the terminal device at this time If the payment request information is sent by the user himself, it is determined that the voice command information is the same as the first voice command information.

S102. If it is determined to be yes, the network device decrypts the payment request information by using the first voice command information, and performs payment according to the payment request information.

In a specific implementation, when the network device determines that the voice command information is the same as the first voice command information, it uses the first voice command information to decrypt the payment request information, and then executes the payment operation according to the payment request information.

Using the embodiment of the present invention, the network device receives the payment request information sent by the terminal device, the payment request information is generated by the terminal device using the obtained voice command information as a key to encrypt, and the network device obtains the voice command Information, to determine whether the voice command information is the same as the pre-stored first voice command information, the first voice command information is the key to decrypt the payment request information, if the judgment is yes, the network device uses the The first voice command information decrypts the payment request information, and pays according to the payment request information. The terminal device introduces voice command information as a key to encrypt the payment request, replacing the current password input method and strengthening the security of mobile payment; the network device will obtain the encrypted key and the network device for decryption. When it is judged that the encrypted key is the same as the key used for decryption by the network device, it is confirmed that the payment request information sent by the terminal device at this time is sent by the user himself, and then the payment process is completed, which strengthens the reliability of mobile payment sex.

Please refer to FIG. 2 . FIG. 2 is a schematic flowchart of another embodiment of a payment method according to an embodiment of the present invention. Wherein, the terminal device may be, for example, a mobile phone, a tablet computer, a notebook computer, a palmtop computer, a mobile Internet device or other devices that can support the mobile payment function. The network device may be a server and other devices that can realize the mobile payment function.

As shown in Fig. 2, another embodiment of a payment method in the embodiment of the present invention may include the following steps.

S200. The network device receives payment request information sent by the terminal device, where the payment request information is generated by encrypting the terminal device using the acquired voice command information as a key.

In a specific implementation, the terminal device generates payment request information according to the payment request input by the user, and receives the voice command information input by the user, uses the received voice command information as a key to encrypt the payment request information, and then encrypts the encrypted payment request information Send it to the network device to request the network device to perform the corresponding payment operation.

As an implementable manner, after receiving the payment request input by the user, the terminal device may output instruction information for instructing the user to input voice command information for executing the payment function. The terminal device can recognize the voice command input by the user through the voice recognition module, and generate voice command information according to the voice command.

As an implementable manner, the voice command information may include voice feature information and content information of the user. Specifically, the terminal device recognizes the tone, loudness and timbre of the voice command from the voice command input by the user through the voice recognition module, and generates sound feature information according to the recognized tone, loudness and timbre. In addition, the terminal device also recognizes the content of the voice command through the voice recognition module, and generates content information according to the recognized content of the voice command. Finally, the terminal device generates voice command information in combination with the voice feature information and content information.

S201. The network device receives prompt information sent by the terminal device, where the prompt information carries the voice command information.

In the specific implementation, after the terminal device sends the encrypted payment request information to the network device, the terminal device continues to send prompt information to the network device. The prompt information is used to carry voice command information to inform the terminal device that the key to encrypt the payment request information is the command information.

S202. The network device acquires the user account information according to the payment request information.

In a specific implementation, the terminal device further includes user account information in the payment request information sent to the network device, so that the network device learns the user account information.

As an implementable manner, the network device may instruct the terminal device to enter first voice command information before the terminal device sends the payment request information, where the first voice command information is a key for decrypting the payment request information. After receiving the instruction from the network device, the terminal device prompts the user to input the first voice command information. After the terminal device receives the first voice command information entered by the user, it sends the first voice command information to the network device, and sends the user account information to the network device. The user account information corresponds to the first voice command information one by one. At this time, the network device saves the first voice command information and the user account information, and the first voice command information is used as a key for the network device to decrypt the payment request information. Wherein, the first voice command information may include voice feature information and content information of the user.

S203. The network device searches for the corresponding pre-stored first voice command information according to the user account information.

In a specific implementation, the network device searches for the corresponding first voice command information stored in advance according to the user account information, so as to obtain a key for decrypting the payment request information.

S204. The network device judges whether the voice command information is the same as the pre-stored first voice command information.

In a specific implementation, when the network device compares the voice command information with the first voice command information, it can use the voice feature information and content information in the voice command information to compare with the voice feature information and content information in the first voice command information. Compare them one by one.

S205. If it is determined to be yes, the network device decrypts the payment request information by using the first voice command information, and makes payment according to the payment request information.

In a specific implementation, when the network device determines that the voice feature information in the voice command information is the same as the voice feature information in the first voice command information, and the content information in the voice command information is the same as the content information in the first voice command information , it is considered that the payment request information sent by the terminal device at this time is sent by the user himself, then it is determined that the voice command information is the same as the first voice command information. Thus, the network device decrypts the payment request information by using the first voice command information, and then executes the payment operation according to the payment request information.

S206. If the judgment is no, the network device sends first prompt information to the terminal device, where the first prompt information is used to prompt the network device to refuse payment according to the payment request information.

In a specific implementation, the voice feature information in the voice command information is used to uniquely identify the voice feature of the user to determine that the recognized voice feature comes from the user. If the network device determines that the voice feature of the voice command information does not come from the user, the network device Then refuse to pay according to the payment request information.

In a specific implementation, if the network device determines that the content information of the voice command information is different from that of the first voice command information, the network device refuses to make payment according to the payment request information. For example, the content information of the first voice command information may be "please pay". If the content information in the voice command information recognized by the network device is not "please pay", but other content such as "pay", "please", "pay" or "please pay", the network device can refuse to pay according to the payment request. information for payment.

As an implementable manner, if the voice feature information and content information in the voice command information are different from the voice feature information and content information in the first voice command information, the network device may refuse to make payment according to the payment request information.

Using the embodiment of the present invention, the network device receives the payment request information sent by the terminal device, the payment request information is generated by the terminal device using the obtained voice command information as a key to encrypt, and the network device obtains the voice command Information, to determine whether the voice command information is the same as the pre-stored first voice command information, the first voice command information is the key to decrypt the payment request information, if it is judged to be yes, then use the first voice command information The command information decrypts the payment request information, and pays according to the payment request information. The terminal device introduces voice command information as a key to encrypt the payment request, replacing the current password input method and strengthening the security of mobile payment; the network device will obtain the encrypted key and the network device for decryption. When it is judged that the encrypted key is the same as the key used for decryption by the network device, it is confirmed that the payment request information sent by the terminal device at this time is sent by the user himself, and then the payment process is completed, which strengthens the reliability of mobile payment sex.

Please refer to FIG. 3 . FIG. 3 is a schematic flowchart of another embodiment of a payment method according to an embodiment of the present invention. Wherein, the terminal device may be, for example, a mobile phone, a tablet computer, a notebook computer, a palmtop computer, a mobile Internet device or other devices that can support the mobile payment function. The network device may be a server and other devices that can realize the mobile payment function.

As shown in Fig. 3, another embodiment of a payment method in the embodiment of the present invention may include the following steps.

S300. The terminal device generates payment request information, where the payment request information is encrypted by the terminal device using the acquired voice command information as a key.

In a specific implementation, the terminal device generates payment request information according to the payment request input by the user, and receives the voice command information input by the user, and encrypts the payment request information by using the received voice command information as a key.

As an implementable manner, after receiving the payment request input by the user, the terminal device may output instruction information for instructing the user to input voice command information for executing the payment function. The terminal device can recognize the voice command input by the user through the voice recognition module, and generate voice command information according to the voice command.

As an implementable manner, the voice command information may include voice feature information and content information of the user. Specifically, the terminal device recognizes the tone, loudness and timbre of the voice command from the voice command input by the user through the voice recognition module, and generates sound feature information according to the recognized tone, loudness and timbre. In addition, the terminal device also recognizes the content of the voice command through the voice recognition module, and generates content information according to the recognized content of the voice command. Finally, the terminal device generates voice command information in combination with the voice feature information and content information.

S301. The terminal device sends the payment request information to the network device, so that the network device obtains the voice command information, and judges whether the voice command information is the same as the pre-stored first voice command information, and if it is judged to be If yes, use the first voice command information to decrypt the payment request information, and make payment according to the payment request information, where the first voice command information is a key for decrypting the payment request information.

In a specific implementation, the terminal device sends the encrypted payment request information to the network device, so as to request the network device to perform a corresponding payment operation. After the terminal device sends the encrypted payment request information to the network device, it informs the network device of the voice command information, so that the network device judges whether the voice command information for encryption is consistent with the first voice command information for decryption stored in the network device in advance. same. The first voice command information is a key used by the network device to decrypt the payment request information.

As an implementable manner, the network device may instruct the terminal device to input the first voice command information before the terminal device sends the payment request information. After receiving the instruction from the network device, the terminal device prompts the user to input the first voice command information. After receiving the first voice command information entered by the user, the terminal device sends the first voice command information to the network device, and at this time the network device saves the first voice command information. Wherein, the first voice command information may include voice feature information and content information of the user.

As an implementable manner, when making the comparison, the network device may use the voice feature information and content information in the voice command information to perform a one-to-one comparison with the voice feature information and content information in the first voice command information. When the voice feature information in the voice command information is the same as the voice feature information in the first voice command information, and the content information in the voice command information is the same as the content information in the first voice command information, it is considered that the information sent by the terminal device at this time If the payment request information is sent by the user himself, it is determined that the voice command information is the same as the first voice command information.

In a specific implementation, when the network device determines that the voice command information is the same as the first voice command information, it uses the first voice command information to decrypt the payment request information, and then executes the payment operation according to the payment request information.

According to the embodiment of the present invention, the terminal device generates payment request information, the payment request information is encrypted by the terminal device using the acquired voice command information as a key, and the terminal device sends the payment request information to the network device so that the network device acquires the voice command information, judges whether the voice command information is the same as the pre-stored first voice command information, and uses the first voice command information to make the payment request Information decryption, payment is made according to the payment request information, and the first voice command information is a key for decrypting the payment request information. The terminal device introduces voice command information as a key to encrypt the payment request, replacing the current password input method and strengthening the security of mobile payment; the network device will obtain the encrypted key and the network device for decryption. When it is judged that the encrypted key is the same as the key used for decryption by the network device, it is confirmed that the payment request information sent by the terminal device at this time is sent by the user himself, and then the payment process is completed, which strengthens the reliability of mobile payment sex.

Please refer to FIG. 4 . FIG. 4 is a schematic flowchart of another embodiment of a payment method according to an embodiment of the present invention. Wherein, the terminal device may be, for example, a mobile phone, a tablet computer, a notebook computer, a palmtop computer, a mobile Internet device or other devices that can support the mobile payment function. The network device may be a server and other devices that can realize the mobile payment function.

As shown in Fig. 4, another embodiment of a payment method in the embodiment of the present invention may include the following steps.

S400. The terminal device generates payment request information, where the payment request information is encrypted by the terminal device using the acquired voice command information as a key.

In a specific implementation, the terminal device generates payment request information according to the payment request input by the user, and receives the voice command information input by the user, and encrypts the payment request information by using the received voice command information as a key.

As an implementable manner, after receiving the payment request input by the user, the terminal device may output instruction information for instructing the user to input voice command information for executing the payment function. The terminal device can recognize the voice command input by the user through the voice recognition module, and generate voice command information according to the voice command.

As an implementable manner, the voice command information may include voice feature information and content information of the user. Specifically, the terminal device recognizes the tone, loudness and timbre of the voice command from the voice command input by the user through the voice recognition module, and generates sound feature information according to the recognized tone, loudness and timbre. In addition, the terminal device also recognizes the content of the voice command through the voice recognition module, and generates content information according to the recognized content of the voice command. Finally, the terminal device generates voice command information in combination with the voice feature information and content information.

S401. The terminal device sends the payment request information to the network device, so that the network device obtains the voice command information, and judges whether the voice command information is the same as the pre-stored first voice command information, and if it is judged to be If yes, use the first voice command information to decrypt the payment request information, and make payment according to the payment request information, where the first voice command information is a key for decrypting the payment request information.

In a specific implementation, the terminal device sends the encrypted payment request information to the network device, so as to request the network device to perform a corresponding payment operation. After the terminal device sends the encrypted payment request information to the network device, it informs the network device of the voice command information, so that the network device judges whether the voice command information for encryption is consistent with the first voice command information for decryption stored in the network device in advance. same. The first voice command information is a key used by the network device to decrypt the payment request information.

As an implementable manner, the terminal device further includes user account information in the payment request information sent to the network device, so that the network device learns the user account information.

As an implementable manner, the network device may instruct the terminal device to enter first voice command information before the terminal device sends the payment request information, where the first voice command information is a key for decrypting the payment request information. After receiving the instruction from the network device, the terminal device prompts the user to input the first voice command information. After the terminal device receives the first voice command information entered by the user, it sends the first voice command information to the network device, and sends the user account information to the network device. The user account information corresponds to the first voice command information one by one. At this time, the network device saves the first voice command information and the user account information, and the first voice command information is used as a key for the network device to decrypt the payment request information. Wherein, the first voice command information may include voice feature information and content information of the user.

As an implementable manner, the network device searches for the corresponding first voice command information stored in advance according to the user account information, so as to obtain a key for decrypting the payment request information.

As an implementable manner, when making the comparison, the network device may use the voice feature information and content information in the voice command information to perform a one-to-one comparison with the voice feature information and content information in the first voice command information. When the voice feature information in the voice command information is the same as the voice feature information in the first voice command information, and the content information in the voice command information is the same as the content information in the first voice command information, it is considered that the information sent by the terminal device at this time If the payment request information is sent by the user himself, it is determined that the voice command information is the same as the first voice command information.

In a specific implementation, when the network device determines that the voice command information is the same as the first voice command information, it uses the first voice command information to decrypt the payment request information, and then executes the payment operation according to the payment request information.

As an implementable manner, the voice feature information in the voice command information is used to uniquely identify the voice feature of the user to determine that the recognized voice feature comes from the user. If the network device determines that the voice feature of the voice command information is not from the user The user and the network device refuse to pay according to the payment request information.

As an implementable manner, if the network device determines that the content information of the voice command information is different from that of the first voice command information, the network device refuses to make payment according to the payment request information. For example, the content information of the first voice command information may be "please pay". If the content information in the voice command information recognized by the network device is not "please pay", but other content such as "pay", "please", "pay" or "please pay", the network device can refuse to pay according to the payment request. information for payment.

As an implementable manner, if the voice feature information and content information in the voice command information are different from the voice feature information and content information in the first voice command information, the network device may refuse to make payment according to the payment request information.

S402. The terminal device sends prompt information to the network device, where the prompt information carries the voice command information.

In the specific implementation, after the terminal device sends the encrypted payment request information to the network device, the terminal device continues to send prompt information to the network device. The prompt information is used to carry voice command information to inform the terminal device that the key to encrypt the payment request information is the command information.

According to the embodiment of the present invention, the terminal device generates payment request information, the payment request information is encrypted by the terminal device using the acquired voice command information as a key, and the terminal device sends the payment request information to the network device so that the network device acquires the voice command information, judges whether the voice command information is the same as the pre-stored first voice command information, and uses the first voice command information to make the payment request Information decryption, payment is made according to the payment request information, and the first voice command information is a key for decrypting the payment request information. The terminal device introduces voice command information as a key to encrypt the payment request, replacing the current password input method and strengthening the security of mobile payment; the network device will obtain the encrypted key and the network device for decryption. When it is judged that the encrypted key is the same as the key used for decryption by the network device, it is confirmed that the payment request information sent by the terminal device at this time is sent by the user himself, and then the payment process is completed, which strengthens the reliability of mobile payment sex.

Please refer to FIG. 5 . FIG. 5 is a schematic structural diagram of a network device according to an embodiment of the present invention. The network device shown in FIG. 5 includes a receiving module 500 , a judging module 501 and a payment module 502 .

The receiving module 500 is configured to receive the payment request information sent by the terminal device, the payment request information is generated by the terminal device using the acquired voice command information as a key for encryption;

A judging module 501, configured to acquire the voice command information, and judge whether the voice command information is the same as the first voice command information stored in advance, and the first voice command information is a key for decrypting the payment request information;

The payment module 502 is configured to use the first voice command information to decrypt the payment request information received by the receiving module 500 when the judgment result of the judgment module 501 is yes, and make payment according to the payment request information.

In a specific implementation, the terminal device generates payment request information according to the payment request input by the user, and receives the voice command information input by the user, uses the received voice command information as a key to encrypt the payment request information, and then encrypts the encrypted payment request information Send it to the network device to request the network device to perform the corresponding payment operation.

As an implementable manner, after receiving the payment request input by the user, the terminal device may output instruction information for instructing the user to input voice command information for executing the payment function. The terminal device can recognize the voice command input by the user through the voice recognition module, and generate voice command information according to the voice command.

As an implementable manner, the voice command information may include voice feature information and content information of the user. Specifically, the terminal device recognizes the tone, loudness and timbre of the voice command from the voice command input by the user through the voice recognition module, and generates sound feature information according to the recognized tone, loudness and timbre. In addition, the terminal device also recognizes the content of the voice command through the voice recognition module, and generates content information according to the recognized content of the voice command. Finally, the terminal device generates voice command information in combination with the voice feature information and content information.

In a specific implementation, after the terminal device sends the encrypted payment request information to the network device, it informs the network device of the voice command information, so that the network device judges whether the voice command information used for encryption is consistent with the pre-stored voice command information used for decryption in the network device. A voice command message is the same. The first voice command information is a key used by the network device to decrypt the payment request information.

As an implementable manner, the network device may instruct the terminal device to input the first voice command information before the terminal device sends the payment request information. After receiving the instruction from the network device, the terminal device prompts the user to input the first voice command information. After receiving the first voice command information entered by the user, the terminal device sends the first voice command information to the network device, and at this time the network device saves the first voice command information. Wherein, the first voice command information may include voice feature information and content information of the user.

As an implementable manner, when making the comparison, the network device may use the voice feature information and content information in the voice command information to perform a one-to-one comparison with the voice feature information and content information in the first voice command information. When the voice feature information in the voice command information is the same as the voice feature information in the first voice command information, and the content information in the voice command information is the same as the content information in the first voice command information, it is considered that the information sent by the terminal device at this time If the payment request information is sent by the user himself, it is determined that the voice command information is the same as the first voice command information.

In a specific implementation, when the network device determines that the voice command information is the same as the first voice command information, it uses the first voice command information to decrypt the payment request information, and then executes the payment operation according to the payment request information.

As an implementable manner, the judging module 501 is specifically used for:

Receive prompt information sent by the terminal device, where the prompt information carries the voice command information.

In the specific implementation, after the terminal device sends the encrypted payment request information to the network device, the terminal device continues to send prompt information to the network device. The prompt information is used to carry voice command information to inform the terminal device that the key to encrypt the payment request information is the command information.

As an implementable manner, as shown in FIG. 6 , the payment request information includes user account information, and the network device further includes an obtaining module 503 and a searching module 504 .

An obtaining module 503, configured to obtain the user account information according to the payment request information;

A search module 504, configured to search for the corresponding pre-stored first voice command information according to the user account information.

In a specific implementation, the terminal device further includes user account information in the payment request information sent to the network device, so that the network device learns the user account information.

As an implementable manner, the network device may instruct the terminal device to enter first voice command information before the terminal device sends the payment request information, where the first voice command information is a key for decrypting the payment request information. After receiving the instruction from the network device, the terminal device prompts the user to input the first voice command information. After the terminal device receives the first voice command information entered by the user, it sends the first voice command information to the network device, and sends the user account information to the network device. The user account information corresponds to the first voice command information one by one. At this time, the network device saves the first voice command information and the user account information, and the first voice command information is used as a key for the network device to decrypt the payment request information. Wherein, the first voice command information may include voice feature information and content information of the user.

In a specific implementation, the network device searches for the corresponding first voice command information stored in advance according to the user account information, so as to obtain a key for decrypting the payment request information.

As an implementable manner, as shown in FIG. 6 , the network device further includes a sending module 505 .

A sending module 505, configured to send a first prompt message to the terminal device when the judgment result of the judgment module 501 is No, the first prompt message is used to prompt the network device to refuse to pay according to the payment request information for payment.

In a specific implementation, the voice feature information in the voice command information is used to uniquely identify the voice feature of the user to determine that the recognized voice feature comes from the user. If the network device determines that the voice feature of the voice command information does not come from the user, the network device Then refuse to pay according to the payment request information.

In a specific implementation, if the network device determines that the content information of the voice command information is different from that of the first voice command information, the network device refuses to make payment according to the payment request information. For example, the content information of the first voice command information may be "please pay". If the content information in the voice command information recognized by the network device is not "please pay", but other content such as "pay", "please", "pay" or "please pay", the network device can refuse to pay according to the payment request. information for payment.

As an implementable manner, if the voice feature information and content information in the voice command information are different from the voice feature information and content information in the first voice command information, the network device may refuse to make payment according to the payment request information.

Using the embodiment of the present invention, the network device receives the payment request information sent by the terminal device, the payment request information is generated by the terminal device using the obtained voice command information as a key to encrypt, and the network device obtains the voice command Information, to determine whether the voice command information is the same as the pre-stored first voice command information, the first voice command information is the key to decrypt the payment request information, if it is judged to be yes, then use the first voice command information The command information decrypts the payment request information, and pays according to the payment request information. The terminal device introduces voice command information as a key to encrypt the payment request, replacing the current password input method and strengthening the security of mobile payment; the network device will obtain the encrypted key and the network device for decryption. When it is judged that the encrypted key is the same as the key used for decryption by the network device, it is confirmed that the payment request information sent by the terminal device at this time is sent by the user himself, and then the payment process is completed, which strengthens the reliability of mobile payment sex.

Please refer to FIG. 7, which is a schematic structural diagram of a terminal device according to an embodiment of the present invention. The terminal device shown in FIG. 7 includes a generating module 700 and a sending module 701 .

The generation module 700 is used to generate payment request information, and the payment request information is generated by the terminal device by using the acquired voice command information as a key to encrypt;

The sending module 701 is configured to send the payment request information to the network device, so that the network device obtains the voice command information, and judges whether the voice command information is the same as the pre-stored first voice command information, and if it is judged to be If yes, use the first voice command information to decrypt the payment request information, and make payment according to the payment request information, where the first voice command information is a key for decrypting the payment request information.

In a specific implementation, the terminal device generates payment request information according to the payment request input by the user, and receives the voice command information input by the user, and encrypts the payment request information by using the received voice command information as a key.

As an implementable manner, after receiving the payment request input by the user, the terminal device may output instruction information for instructing the user to input voice command information for executing the payment function. The terminal device can recognize the voice command input by the user through the voice recognition module, and generate voice command information according to the voice command.

As an implementable manner, the voice command information may include voice feature information and content information of the user. Specifically, the terminal device recognizes the tone, loudness and timbre of the voice command from the voice command input by the user through the voice recognition module, and generates sound feature information according to the recognized tone, loudness and timbre. In addition, the terminal device also recognizes the content of the voice command through the voice recognition module, and generates content information according to the recognized content of the voice command. Finally, the terminal device generates voice command information in combination with the voice feature information and content information.

In a specific implementation, the terminal device sends the encrypted payment request information to the network device, so as to request the network device to perform a corresponding payment operation. After the terminal device sends the encrypted payment request information to the network device, it informs the network device of the voice command information, so that the network device judges whether the voice command information for encryption is consistent with the first voice command information for decryption stored in the network device in advance. same. The first voice command information is a key used by the network device to decrypt the payment request information.

As an implementable manner, the network device may instruct the terminal device to input the first voice command information before the terminal device sends the payment request information. After receiving the instruction from the network device, the terminal device prompts the user to input the first voice command information. After receiving the first voice command information entered by the user, the terminal device sends the first voice command information to the network device, and at this time the network device saves the first voice command information. Wherein, the first voice command information may include voice feature information and content information of the user.

As an implementable manner, when making the comparison, the network device may use the voice feature information and content information in the voice command information to perform a one-to-one comparison with the voice feature information and content information in the first voice command information. When the voice feature information in the voice command information is the same as the voice feature information in the first voice command information, and the content information in the voice command information is the same as the content information in the first voice command information, it is considered that the information sent by the terminal device at this time If the payment request information is sent by the user himself, it is determined that the voice command information is the same as the first voice command information.

In a specific implementation, when the network device determines that the voice command information is the same as the first voice command information, it uses the first voice command information to decrypt the payment request information, and then executes the payment operation according to the payment request information.

As an implementable manner, the sending module 701 is also configured to:

Send prompt information to the network device, where the prompt information carries the voice command information.

In the specific implementation, after the terminal device sends the encrypted payment request information to the network device, the terminal device continues to send prompt information to the network device. The prompt information is used to carry voice command information to inform the terminal device that the key to encrypt the payment request information is the command information.

According to the embodiment of the present invention, the terminal device generates payment request information, the payment request information is encrypted by the terminal device using the acquired voice command information as a key, and the terminal device sends the payment request information to the network device so that the network device acquires the voice command information, judges whether the voice command information is the same as the pre-stored first voice command information, and uses the first voice command information to make the payment request Information decryption, payment is made according to the payment request information, and the first voice command information is a key for decrypting the payment request information. The terminal device introduces voice command information as a key to encrypt the payment request, replacing the current password input method and strengthening the security of mobile payment; the network device will obtain the encrypted key and the network device for decryption. When it is judged that the encrypted key is the same as the key used for decryption by the network device, it is confirmed that the payment request information sent by the terminal device at this time is sent by the user himself, and then the payment process is completed, which strengthens the reliability of mobile payment sex.

The device embodiments described above are only illustrative, and the units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in One place, or it can be distributed to multiple network elements. Part or all of the modules can be selected according to actual needs to achieve the purpose of the solution of this embodiment. It can be understood and implemented by those skilled in the art without any creative efforts.

The steps in the methods of the embodiments of the present invention can be adjusted, combined and deleted according to actual needs.

The modules or units in the device of the embodiment of the present invention can be combined, divided and deleted according to actual needs.

The modules or modules in the embodiments of the present invention can be realized by a general-purpose integrated circuit (such as a central processing unit CPU) or by an application-specific integrated circuit (ASIC).

Through the above description of the implementations, those skilled in the art can clearly understand that each implementation can be implemented by means of software plus a necessary general hardware platform, and of course also by hardware. Based on this understanding, the essence of the above technical solution or the part that contributes to the prior art can be embodied in the form of software products, and the computer software products can be stored in computer-readable storage media, such as ROM/RAM, magnetic discs, optical discs, etc., including several instructions to make a computer device (which may be a personal computer, server, or network device, etc.) execute the methods described in various embodiments or some parts of the embodiments.

The implementation methods described above do not constitute a limitation to the scope of protection of the technical solution. Any modifications, equivalent replacements and improvements made within the spirit and principles of the above implementation methods shall be included in the protection scope of the technical solution.

Claims (12)

1. A payment method, characterized in that it comprises: The network device receives the payment request information sent by the terminal device, and the payment request information is generated by the terminal device using the acquired voice command information as a key for encryption; The network device acquires the voice command information, and judges whether the voice command information is the same as the pre-stored first voice command information, and the first voice command information is a key for decrypting the payment request information; If the judgment is yes, the network device decrypts the payment request information by using the first voice command information, and makes payment according to the payment request information. 2. The method according to claim 1, wherein the acquisition of the voice command information by the network device comprises: The network device receives the prompt information sent by the terminal device, where the prompt information carries the voice command information. 3. The method according to claim 2, wherein the payment request information includes user account information, and before determining whether the voice command information is the same as the pre-stored first voice command information, the method Also includes: The network device acquires the user account information according to the payment request information; The network device searches for the corresponding pre-stored first voice command information according to the user account information. 4. The method according to claim 3, wherein after the judging whether the voice command information is identical to the pre-stored first voice command information, the method further comprises: If the judgment is no, the network device sends first prompt information to the terminal device, where the first prompt information is used to prompt the network device to refuse payment according to the payment request information. 5. A payment method, characterized in that it comprises: The terminal device generates payment request information, and the payment request information is encrypted by the terminal device using the acquired voice command information as a key; The terminal device sends the payment request information to the network device, so that the network device obtains the voice command information, and judges whether the voice command information is the same as the pre-stored first voice command information, and if it is judged to be yes, then Decrypting the payment request information by using the first voice command information, and making payment according to the payment request information, where the first voice command information is a key for decrypting the payment request information. 6. The method according to claim 5, wherein after the terminal device sends the payment request information to the network device, the method further comprises: The terminal device sends prompt information to the network device, where the prompt information carries the voice command information. 7. A network device, characterized in that, comprising: The receiving module is used to receive the payment request information sent by the terminal device, and the payment request information is generated by the terminal device using the acquired voice command information as a key for encryption; A judging module, configured to acquire the voice command information, and judge whether the voice command information is the same as the pre-stored first voice command information, and the first voice command information is a key for decrypting the payment request information; The payment module is configured to use the first voice command information to decrypt the payment request information received by the receiving module when the judgment result of the judgment module is yes, and make payment according to the payment request information. 8. The network device according to claim 7, wherein the judging module is specifically used for: Receive prompt information sent by the terminal device, where the prompt information carries the voice command information. 9. The network device according to claim 8, wherein the payment request information includes user account information, and the network device further includes: An acquisition module, configured to acquire the user account information according to the payment request information; A search module, configured to search for the corresponding pre-stored first voice command information according to the user account information. 10. The network device according to claim 9, wherein the network device further comprises: A sending module, configured to send first prompt information to the terminal device when the judgment result of the judging module is no, the first prompt information is used to prompt the network device to refuse to make payments based on the payment request information. pay. 11. A terminal device, characterized in that it comprises: A generating module, configured to generate payment request information, the payment request information is generated by the terminal device using the acquired voice command information as a key for encryption; A sending module, configured to send the payment request information to the network device, so that the network device acquires the voice command information, and judge whether the voice command information is the same as the pre-stored first voice command information, and if it is judged to be yes Then use the first voice command information to decrypt the payment request information, and make payment according to the payment request information, where the first voice command information is a key for decrypting the payment request information. 12. The terminal device according to claim 9, wherein the sending module is also used for: Send prompt information to the network device, where the prompt information carries the voice command information.