| 摘要 |
A method, apparatus and system for payment validation have been disclosed. The method includes: receiving a payment validation request from a terminal, wherein the payment validation request includes identification information and a current voice signal; detecting whether the identification information is identical to a pre-stored identification information; if identical: extracting voice characteristics associated with an identity information and a text password from the current voice signal; matching the current voice characteristics to a pre-stored speaker model; if successfully matched: sending an validation reply message to the terminal to indicate that payment request has been authorized. The validation reply message is utilized by the terminal to proceed with a payment transaction. The identity information identifies an owner's current voice signal, and the text password is indicated by the current voice signal. The method eliminates the requirement of the server sending a SMS message with a validation code to the terminal. |
