CN105894283A - Mobile payment method and device based on voice control - Google Patents

Mobile payment method and device based on voice control Download PDF

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Publication number
CN105894283A
CN105894283A CN201510038735.8A CN201510038735A CN105894283A CN 105894283 A CN105894283 A CN 105894283A CN 201510038735 A CN201510038735 A CN 201510038735A CN 105894283 A CN105894283 A CN 105894283A
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CN
China
Prior art keywords
described
user
terminal
voice signal
voice
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CN201510038735.8A
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Chinese (zh)
Inventor
黎星
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中兴通讯股份有限公司
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Priority to CN201510038735.8A priority Critical patent/CN105894283A/en
Publication of CN105894283A publication Critical patent/CN105894283A/en

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Classifications

    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00Cryptographic mechanisms or cryptographic arrangements for secret or secure communication
    • H04L9/32Cryptographic mechanisms or cryptographic arrangements for secret or secure communication including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials

Abstract

The present invention provides a mobile payment method and device based on voice control. The method comprises a step of generating a dynamic password when the transaction request from a terminal is received, and sending the dynamic password to the terminal, wherein, the transaction request carries out the user identification of the terminal; a step of receiving the voice signal inputted by a user according to the dynamic password collected by the terminal, a step of comparing whether the voice signal and the content of the dynamic password is matched or not, comparing whether the voice characteristic of the voice signal and the voice characteristic corresponding to the user identification of the terminal stored in advance are matched or not, and judging the success of user authentication and then continuing follow-up transaction if the matching successes. According to the embodiment of the invention, the mobile payment method and device based on voice control are employed, voice navigation is employed to complete payment, a payment operation process is simplified, the hands of the user are liberated, since the voiceprint is unique and can not be copied, the transaction only can be completed with user personal authorization, and the security of mobile payment is ensured.

Description

A kind of based on voice-operated method of mobile payment and device

Technical field

The present invention relates to communication and mobile payment field, particularly to one based on voice-operated mobile payment Method and apparatus.

Background technology

Along with rise and the development of 3G technology, bring the rise of mobile e-business, make mobile phone become more just Prompt transaction terminal.Recent years, China Internet high speed development, popularity rate improves constantly as ecommerce High speed development laid solid foundation.Mobile payment at present has been widely used for each of ecommerce Individual corner, but the safety problem of mobile payment be always mobile payment can a bottleneck of Rapid Popularization: letter The confidentiality of breath, integrity, non repudiation, verity, payment mode, authentication, payment terminal Safety, each link of mobile payment legal assurance unsound, etc..

At present, the checking of simple in mobile payment service password, identifying code is owing to its safety is relatively low, relatively hold Easily be intercepted, crack and use fewer and feweri.Dual factors authentication is in mobile payment industrial security field Gradually popularizing, its ultimate principle is to use password to add the mode of material object to carry out comprehensive verification.Moving In dynamic payment consumption scene, most common, also it is that maximally effective material object includes two classes, one is to strengthen existing safety Technological means is main, such as mobile phone short message verification code, dynamic password or password, digital certificate, excellent Key etc.; Two is biological characteristic based on holder, such as fingerprint, iris and sound.Wherein, dynamic verification code and The interception of digital certificate, upgrading class swindle happen occasionally;The property easy to use of excellent Key is poor, Ke Huti Test bad.Fingerprint recognition needs the hardware supported of mobile terminal device, and the mobile terminal device of existing main flow Scarcely possesses relevant fingerprint reading systems.Iris identification is for the people of wearing spectacles or contact lens Accuracy rate and convenience all can be affected, and occupation mode is also unsuitable for daily payment scene.Additionally, Different types of transaction, different client, different payment there is also difference for the security level requirement of transaction Not, current safety verification technology is difficult to protect the safety of mobile payment on the premise of realizing simplicity, this Hinder popularization and the market expansion of mobile payment service greatly.

Summary of the invention

The invention provides a kind of based on voice-operated method of mobile payment and device, its purpose is to solve Certainly the current existing verification method of mobile payment industry is unable to reach and takes into account safety with convenience.

In order to achieve the above object, The embodiment provides one based on voice-operated mobile payment Method, is applied to service end, including:

When receiving the transaction request of self terminal, generate a dynamic password, and described dynamic password is sent out Giving described terminal, described transaction request carries the ID of described terminal;

Receive the voice signal that the user that described terminal collects inputs according to described dynamic password;

Whether the relatively content of described voice signal and described dynamic password mates, and, relatively described voice Whether the phonetic feature that the phonetic feature of signal is corresponding with the ID of the described terminal prestored mates, If the match is successful for both of which, then judge user authentication success and continue subsequent transaction.

Wherein, when receiving the transaction request of self terminal, generate a dynamic password, and by described dynamically Before password is sent to described terminal, described method also includes:

Receive user's registration request that described terminal sends, described user's registration request carries described terminal ID;

According to described user's registration request, complete the user registration course of described terminal, and in registration process, Receive the user voice signal that described terminal sends, extract the phonetic feature of described user voice signal, and protect Save as the phonetic feature that the ID of described terminal is corresponding.

Wherein, whether the relatively content of described voice signal and described dynamic password mates, and, compare institute The phonetic feature that the phonetic feature of predicate tone signal is corresponding with the ID of the described terminal prestored is No coupling includes:

Described voice signal is processed, obtains the text message in voice signal and vocal print feature letter respectively Breath;

Whether relatively described text message mates with the content of described dynamic password, and relatively described vocal print is special Reference ceases whether the phonetic feature corresponding with the ID of the described terminal prestored mates.

The embodiment of the present invention additionally provides a kind of based on voice-operated mobile payment device, is applied to service end, Including:

Generation module, is used for when receiving the transaction request of self terminal, generates a dynamic password, and will Described dynamic password is sent to described terminal, and described transaction request includes the ID of described terminal;

First receiver module, the user collected for receiving described terminal inputs according to described dynamic password Voice signal;

Comparison module, for comparing whether the content of described voice signal and described dynamic password mates, and, The voice that relatively phonetic feature of described voice signal is corresponding with the ID of the described terminal prestored Whether feature mates, if the match is successful for both of which, then judges user authentication success and continues subsequent transaction.

Wherein, described device also includes:

Described second receiver module, for receiving user's registration request that described terminal sends, described user notes Volume request carries the ID of described terminal;

Registering modules, for according to described user's registration request, completes the user registration course of described terminal, And in registration process, receive the user voice signal that described terminal sends, extract described user voice signal Phonetic feature, and the phonetic feature that the ID that saves as described terminal is corresponding.

Wherein, described comparison module includes:

Process submodule, for described voice signal is processed, obtain the text in voice signal respectively Information and vocal print characteristic information;

Whether comparison sub-module, mate with the content of described dynamic password for relatively described text message, with And the phonetic feature that relatively described vocal print characteristic information is corresponding with the ID of the described terminal prestored Whether mate.

The embodiment of the present invention also provides for a kind of based on voice-operated method of mobile payment, is applied to a terminal, Including:

Send the transaction request of a user to service end, described transaction request carries the user of described terminal Mark;

Receive the dynamic password that service end generates and sends according to described transaction request;

Prompt the user with described dynamic password, receive the voice signal that user inputs according to described dynamic password, And described voice signal is sent to described service end is traded certification.

Wherein, before service end sends the transaction request of a user, described method also includes:

Send user's registration request to service end, described user's registration request carries the use of described terminal Family identifies, and in registration process, sends the user voice signal of user to be registered to service end, so that clothes Business end extracts the phonetic feature of described user voice signal, and the ID saving as described terminal is corresponding Phonetic feature.

The embodiment of the present invention also includes that one, based on voice-operated mobile payment device, is applied to a terminal, Including:

First sending module, for sending the transaction request of a user to service end, takes in described transaction request ID with described terminal;

3rd receiver module, for receiving the dynamic password that service end generates and sends according to described transaction request;

Described second sending module, is used for prompting the user with described dynamic password, receives user according to described dynamic The voice signal of state password entry, and described voice signal is sent to described service end is traded certification.

Wherein, described device also includes: the 3rd sending module, please for sending user's registration to service end Ask, described user's registration request carries the ID of described terminal, and in registration process, to clothes Business end sends the user voice signal of user to be registered, so that service end extracts the language of described user voice signal Sound feature, and the phonetic feature that the ID that saves as described terminal is corresponding.

The such scheme of the present invention at least includes following beneficial effect: the embodiment of the present invention use based on voice The method of mobile payment controlled and device, use Voice Navigation to complete to pay, simplify delivery operation flow process, solve Put the both hands of user, and owing to uniqueness and the non-reproduction of vocal print guarantee that transaction is both needed to user in person Authorize and just can complete, it is ensured that the safety of mobile payment.

Accompanying drawing explanation

Fig. 1 is to be applied to propping up based on voice-operated movement of service end side described in the embodiment of the present invention The flow chart of the method for paying;

Fig. 2 is to be applied to propping up based on voice-operated movement of service end side described in the embodiment of the present invention Pay the structural representation of device;

Fig. 3 be described in the embodiment of the present invention be applied to terminal side based on voice-operated mobile payment The flow chart of method;

Fig. 4 be described in the embodiment of the present invention be applied to terminal side based on voice-operated mobile payment The structural representation of device.

Detailed description of the invention

For making the technical problem to be solved in the present invention, technical scheme and advantage clearer, below in conjunction with attached Figure and specific embodiment are described in detail.

It is an object of the invention to provide a kind of based on voice-operated method of mobile payment and device.The present invention Employing Voice Navigation pays, and simplifies delivery operation flow process, has liberated the both hands of user;Utilize speech identifying code Replace short message verification code, be substantially reduced operation cost;According to sound film identification, speech identifying code is pacified Whole school tests, it is ensured that the safety that user pays.

As it is shown in figure 1, embodiments provide a kind of based on voice-operated method of mobile payment, should For service end, including:

Step 10, when receiving the transaction request of self terminal, generates a dynamic password, and by described Dynamic password is sent to described terminal, and described transaction request carries the ID of described terminal;

Step 11, receives the voice signal that the user that described terminal collects inputs according to described dynamic password;

Whether step 12, the relatively content of described voice signal and described dynamic password mate, and, than The voice that the phonetic feature of more described voice signal is corresponding with the ID of the described terminal prestored is special Levy and whether mate, if the match is successful for both of which, then judge user authentication success and continue subsequent transaction.

In a particular embodiment of the present invention, service end, before the transaction request receiving user, first has to receive User's registration request of terminal, in user registration course, service end can receive the user that ID is corresponding Voice signal, and this voice signal is processed, it is thus achieved that phonetic feature also preserves.When service end receives During the transaction request of user, one dynamic password of service end stochastic generation returns to terminal, and dynamic password is permissible It is verbal instructions or text password, the voice letter that the user that reception terminal collects inputs according to dynamic password Number, this voice signal is processed, the vocal print characteristic information of text message and this user can be obtained, so Rear judging that text information is the most consistent with the content of dynamic password, whether vocal print characteristic information is noted with this user During volume, the phonetic feature of storage is consistent, if unanimously, then this user passes through certification, can carry out follow-up transaction.

As in figure 2 it is shown, the embodiment of the present invention additionally provides a kind of based on voice-operated mobile payment device, It is applied to service end, including:

Generation module 20, for when receiving the transaction request of self terminal, generates a dynamic password, And described dynamic password is sent to described terminal, described transaction request includes the ID of described terminal;

First receiver module 21, defeated according to described dynamic password for receiving the user that described terminal collects The voice signal entered;

Comparison module 22, for comparing whether the content of described voice signal and described dynamic password mates, And, the relatively phonetic feature of described voice signal is corresponding with the ID of the described terminal prestored Whether phonetic feature mates, if the match is successful for both of which, then judges user authentication success and continues subsequent transaction.

In the above embodiment of the present invention, described device also includes:

Second receiver module, for receiving user's registration request that described terminal sends, described user registration please The ID of described terminal is carried in asking;

Registering modules, for according to described user's registration request, completes the user registration course of described terminal, And in registration process, receive the user voice signal that described terminal sends, extract described user voice signal Phonetic feature, and the phonetic feature that the ID that saves as described terminal is corresponding.

In the above embodiment of the present invention, described comparison module includes:

Process submodule, for described voice signal is processed, obtain the text in voice signal respectively Information and vocal print characteristic information;

Whether comparison sub-module, mate with the content of described dynamic password for relatively described text message, with And the phonetic feature that relatively described vocal print characteristic information is corresponding with the ID of the described terminal prestored Whether mate.

In a particular embodiment of the present invention, service end is connected with external bank system, when user authentication leads to Later, external bank system can complete to proceed to according to the transaction request of user, produce, settle accounts, reconciliation etc. Function.

It should be noted that this device is corresponding based on voice-operated method of mobile payment embodiment with above-mentioned Device, in said method embodiment, all implementations are all be applicable to the embodiment of this device, also can reach To identical technique effect.

As it is shown on figure 3, the embodiment of the present invention additionally provides a kind of based on voice-operated method of mobile payment, It is applied to a terminal, including:

Step 30, sends the transaction request of a user to service end, carries described in described transaction request The ID of terminal;

Step 31, receives the dynamic password that service end generates and sends according to described transaction request;

Step 32, prompts the user with described dynamic password, receives what user inputted according to described dynamic password Voice signal, and described voice signal is sent to described service end is traded certification.

In a particular embodiment of the present invention, terminal is before the transaction request sending user, and user first has to down Carrying and install Mobile payment terminal application program, then user moves payment user's registration, fills in individual's use Family information, the essential information such as including user name, password, telephone number and mailbox, because part trading function Need real-name authentication, in registration process, therefore also need to user upload real-name authentication material requested, additionally note During Ce, service end can point out user input voice signal, and the content of this voice signal can be arbitrary literary composition This content, it is also possible to be the service end content of text chosen from standby dictionary that is sent to terminal, Yong Hulang Reading text content, and be sent to this voice signal of service end by terminal, now end-user registration completes. When user needs at terminal transaction, user starts the mobile payment application program in terminal, and terminal is to service End sends the transaction request of this user, and service end sends the dynamic password of a stochastic generation to this terminal, when sending out When this dynamic password sent here is voice, the content of user's this voice of bright reading, when sending this dynamic mouth of coming When order is for text, the content of user's bright reading text, terminal collects the voice signal of this user and is sent to Service end.

As shown in Figure 4, the embodiment of the present invention also provides for a kind of based on voice-operated mobile payment device, should For a terminal, it is characterised in that including:

First sending module 40, for sending the transaction request of a user, described transaction request to service end In carry the ID of described terminal;

3rd receiver module 41, for receive service end according to described transaction request generate and send dynamic Password;

Second sending module 42, is used for prompting the user with described dynamic password, receives user according to described dynamic The voice signal of state password entry, and described voice signal is sent to described service end is traded certification.

In the above embodiment of the present invention, described device also includes:

3rd sending module, for sending user's registration request to service end, in described user's registration request Carry the ID of described terminal, and in registration process, send the use of user to be registered to service end Family voice signal, so that service end extracts the phonetic feature of described user voice signal, and saves as described end The phonetic feature corresponding to ID of end.

It should be noted that this device is corresponding based on voice-operated method of mobile payment embodiment with above-mentioned Device, in said method embodiment, all implementations are all be applicable to the embodiment of this device, also can reach To identical technique effect.

The above is the preferred embodiment of the present invention, it is noted that for the common skill of the art For art personnel, on the premise of without departing from principle of the present invention, it is also possible to make some improvements and modifications, These improvements and modifications also should be regarded as protection scope of the present invention.

Claims (10)

1. based on a voice-operated method of mobile payment, it is applied to service end, it is characterised in that bag Include:
When receiving the transaction request of self terminal, generate a dynamic password, and described dynamic password is sent out Giving described terminal, described transaction request carries the ID of described terminal;
Receive the voice signal that the user that described terminal collects inputs according to described dynamic password;
Whether the relatively content of described voice signal and described dynamic password mates, and, relatively described voice Whether the phonetic feature that the phonetic feature of signal is corresponding with the ID of the described terminal prestored mates, If the match is successful for both of which, then judge user authentication success and continue subsequent transaction.
2. as claimed in claim 1 based on voice-operated method of mobile payment, it is characterised in that when When receiving the transaction request of self terminal, generate a dynamic password, and described dynamic password is sent to institute Before stating terminal, described method also includes:
Receive user's registration request that described terminal sends, described user's registration request carries described terminal ID;
According to described user's registration request, complete the user registration course of described terminal, and in registration process, Receive the user voice signal that described terminal sends, extract the phonetic feature of described user voice signal, and protect Save as the phonetic feature that the ID of described terminal is corresponding.
3. as claimed in claim 1 based on voice-operated method of mobile payment, it is characterised in that ratio Whether the content of more described voice signal and described dynamic password mates, and, compare described voice signal Whether the phonetic feature that phonetic feature is corresponding with the ID of the described terminal prestored mates includes:
Described voice signal is processed, obtains the text message in voice signal and vocal print feature letter respectively Breath;
Whether relatively described text message mates with the content of described dynamic password, and relatively described vocal print is special Reference ceases whether the phonetic feature corresponding with the ID of the described terminal prestored mates.
4. based on a voice-operated mobile payment device, it is applied to service end, it is characterised in that bag Include:
Generation module, is used for when receiving the transaction request of self terminal, generates a dynamic password, and will Described dynamic password is sent to described terminal, and described transaction request includes the ID of described terminal;
First receiver module, the user collected for receiving described terminal inputs according to described dynamic password Voice signal;
Comparison module, for comparing whether the content of described voice signal and described dynamic password mates, and, The voice that relatively phonetic feature of described voice signal is corresponding with the ID of the described terminal prestored Whether feature mates, if the match is successful for both of which, then judges user authentication success and continues subsequent transaction.
5. as claimed in claim 4 based on voice-operated mobile payment device, it is characterised in that institute State device also to include:
Second receiver module, for receiving user's registration request that described terminal sends, described user registration please The ID of described terminal is carried in asking;
Registering modules, for according to described user's registration request, completes the user registration course of described terminal, And in registration process, receive the user voice signal that described terminal sends, extract described user voice signal Phonetic feature, and the phonetic feature that the ID that saves as described terminal is corresponding.
6. as claimed in claim 4 based on voice-operated mobile payment device, it is characterised in that institute State comparison module to include:
Process submodule, for described voice signal is processed, obtain the text in voice signal respectively Information and vocal print characteristic information;
Whether comparison sub-module, mate with the content of described dynamic password for relatively described text message, with And the phonetic feature that relatively described vocal print characteristic information is corresponding with the ID of the described terminal prestored Whether mate.
7. based on a voice-operated method of mobile payment, it is applied to a terminal, it is characterised in that bag Include:
Send the transaction request of a user to service end, described transaction request carries the user of described terminal Mark;
Receive the dynamic password that service end generates and sends according to described transaction request;
Prompt the user with described dynamic password, receive the voice signal that user inputs according to described dynamic password, And described voice signal is sent to described service end is traded certification.
8. as claimed in claim 7 based on voice-operated method of mobile payment, it is characterised in that to Before service end sends the transaction request of a user, described method also includes:
Send user's registration request to service end, described user's registration request carries the use of described terminal Family identifies, and in registration process, sends the user voice signal of user to be registered to service end, so that clothes Business end extracts the phonetic feature of described user voice signal, and the ID saving as described terminal is corresponding Phonetic feature.
9. based on a voice-operated mobile payment device, it is applied to a terminal, it is characterised in that bag Include:
First sending module, for sending the transaction request of a user to service end, takes in described transaction request ID with described terminal;
3rd receiver module, for receiving the dynamic password that service end generates and sends according to described transaction request;
Second sending module, is used for prompting the user with described dynamic password, receives user according to described dynamic mouth The voice signal of order input, and described voice signal is sent to described service end is traded certification.
10. as claimed in claim 9 based on voice-operated mobile payment device, it is characterised in that institute State device also to include:
3rd sending module, for sending user's registration request to service end, in described user's registration request Carry the ID of described terminal, and in registration process, send the use of user to be registered to service end Family voice signal, so that service end extracts the phonetic feature of described user voice signal, and saves as described end The phonetic feature corresponding to ID of end.
CN201510038735.8A 2015-01-26 2015-01-26 Mobile payment method and device based on voice control CN105894283A (en)

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PCT/CN2015/080921 WO2016119359A1 (en) 2015-01-26 2015-06-05 Voice control-based mobile payment method and apparatus

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CN104158664A (en) * 2014-08-11 2014-11-19 北京唐桓科技发展有限公司 Identity authentication method and system

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US6912653B2 (en) * 2001-01-23 2005-06-28 Erika Monika Gohl Authenticating communications
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Publication number Priority date Publication date Assignee Title
CN101494540A (en) * 2009-03-04 2009-07-29 北京英立讯科技有限公司 Remote voice identification authentication system and method
CN101997849A (en) * 2009-08-18 2011-03-30 阿里巴巴集团控股有限公司 Method, device and system for authentication of internet user
CN103220286A (en) * 2013-04-10 2013-07-24 郑方 Identity verification system and identity verification method based on dynamic password voice
CN103679452A (en) * 2013-06-20 2014-03-26 腾讯科技(深圳)有限公司 Payment authentication method, device thereof and system thereof
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Application publication date: 20160824