User verification using voice based password

1. A method for verifying a user, comprising:

receiving a service request associated with the user;

generating at a server a text-based first dynamic password upon receiving the service request;

including the first dynamic password and identification information associated with a user terminal associated with the user in an encapsulation;

converting the first dynamic password into sound information based at least in part on the encapsulation;

transmitting the sound information to the user terminal over a communication network based at least in part on the encapsulation;

receiving over the Internet a second dynamic password entered by the user based on the sound information, the second dynamic password being a text-based password;

comparing the first and second dynamic passwords for consistency; and

indicating that verification is successful in the event that the first and the second dynamic passwords are consistent, wherein the first and second dynamic passwords are consistent in the event the second dynamic password reflects the sound information associated with the first dynamic password, and indicating that the verification is unsuccessful in the event that the first and second dynamic passwords are inconsistent.

2. The method according to claim 1 , wherein comparing the first and the second dynamic passwords for consistency includes determining whether their sound information matches.

3. The method according to claim 1 , wherein the first and the second dynamic passwords are consistent but not identical.

4. The method according to claim 1 , wherein the user terminal includes a telephone.

5. The method according to claim 1 , wherein the first dynamic password is stored after it is generated.

6. The method according to claim 5 , further comprising maintaining the first dynamic password.

7. The method according to claim 1 , wherein the second dynamic password is received from a client device that is different from the user terminal.

8. A system for verifying a user, comprising:

one or more processors configured to:

receive a service request associated with the user;

generate at a server a text-based first dynamic password upon receiving the service request;

include the first dynamic password and identification information associated with a user terminal associated with the user in an encapsulation;

cause the first dynamic password to be converted into sound information based at least in part on the encapsulation;

transmit the sound information to the user terminal over a communication network based at least in part on the encapsulation;

receive over the Internet a second dynamic password entered by the user based on the sound information, the second dynamic password being a text-based password;

compare the first and second dynamic passwords for consistency; and

indicate that verification is successful in the event that the first and the second dynamic passwords are consistent, wherein the first and second dynamic passwords are consistent in the event the second dynamic password reflects the sound information associated with the first dynamic password, and indicating that the verification is unsuccessful in the event that the first and second dynamic passwords are inconsistent; and

one or more memories coupled to the one or more processors, configured to provide the one or more processors with instructions.

9. The system according to claim 8 , wherein comparing the first and the second dynamic passwords includes comparing their sound information.

10. The system according to claim 8 , wherein the first and the second dynamic passwords are consistent but not identical.

11. The system according to claim 8 , wherein the user terminal includes a telephone.

12. The system according to claim 8 , wherein the first dynamic password is stored after it is generated.

13. The system according to claim 12 , wherein the one or more processors are further configured to maintain the first dynamic password.

14. A computer program product for verifying a user, the computer program product being embodied in a non-transitory computer readable storage medium and comprising computer instructions for:

receiving a service request associated with the user;

generating at a server a text-based first dynamic password upon receiving the service request;

including the first dynamic password and identification information associated with a user terminal associated with the user in an encapsulation;

converting the first dynamic password into sound information based at least in part on the encapsulation;

transmitting the sound information to the user terminal over a communication network based at least in part on the encapsulation;

receiving over the Internet a second dynamic password entered by the user based on the sound information, the second dynamic password being a text-based password;

comparing the first and second dynamic passwords for consistency; and

indicating that verification is successful in the event that the first and the second dynamic passwords are consistent, wherein the first and second dynamic passwords are consistent in the event the second dynamic password reflects the sound information associated with the first dynamic password, and indicating that the verification is unsuccessful in the event that the first and second dynamic passwords are inconsistent.

15. The computer program product recited in claim 14 , wherein comparing the first and the second dynamic passwords for consistency includes determining whether their sound information matches.

16. The computer program product recited in claim 14 , wherein the first and the second dynamic passwords are consistent but not identical.