Abstract: Voiceprint recognition, as an emerging biometric technology, has gradually matured in recent years, and has not only been applied in many scenarios of financial institutions such as China Construction Bank, but also in corporated into the trusted identity technology system of the China’s eCNY pilot. Starting from the account security requirements of eCNY and the basic characteristics of voiceprint recognition technology, this paper discusses the security improvement of voiceprint technology on eCNY and the application scenarios of voiceprint payment.

Key words: e-CNY, mobile payment, voiceprint recognition, voiceprint payment, biometrics

摘要： 声纹识别作为一种新兴的生物识别技术近年来开始逐渐走向成熟，不仅在中国建设银行等金融机构的多个场景得到应用，也被纳入中国人民银行数字人民币试点的可信身份技术体系.从数字人民币的账户安全要求和声纹识别技术的基本特征入手，就声纹技术对数字人民币的安全改进以及声纹支付的应用场景进行了探讨.

关键词: 数字人民币, 移动支付, 声纹识别, 声纹支付, 生物特征