Payment authentication method, device thereof and system thereof

The invention discloses a payment authentication method, a device thereof and a system thereof, belonging to the computer technical field. The method comprises the following steps of receiving a payment authentication request sent by a terminal, detecting whether the identification information in the payment authentication request is same with the prestored identification information, extracting a current voice characteristic if the identification information in the payment authentication request is same with the prestored identification information, matching the current voice characteristic with a prestored voiceprint model, and sending authentication reply information for allowing a payment operation to the terminal if the current voice characteristic is successfully matched with the prestored voiceprint model. According to the payment authentication method, the device thereof and the system thereof, a current voice signal is confirmed through the voiceprint model, after the confirmation is successful, the subsequent payment operation is allowed, a problem that a server needs to send an authentication message and the operation cost is increased in the payment operation process in the prior art is solved, an effect that the payment security can be greatly raised by only using the voiceprint identification of the voice signal is achieved, and the operation cost brought by message authentication is greatly reduced.