A method for activating a financial transaction business by voice through a communication software on a first user terminal (A) during ongoing instant messaging of a first user at the first user terminal with a second user at a second user terminal (B, C), the method comprising: collecting , by the first user terminal, when the first user communicates with the second user through an instant messaging interface of a communication software, voice information provided as input for instant messaging from the first user to the second user; recognizing , by the first user terminal, whether the voice information includes a specific command; verifying , by the first user terminal, whether the first user is a legitimate user, wherein verifying whether the user is a legitimate user comprises applying voiceprint recognition on the input voice information; and in response to verifying that the first user is a legitimate user: based on recognizing that the voice information includes the specific command, activating, by the first user terminal, an execution of a corresponding financial transaction business at a business processing apparatus without exiting from the instant messaging interface, the business processing apparatus comprising an instant messaging server configured to receive instant messaging, and sending , by the first user terminal, business information and the voice information to the business processing apparatus, such that the business processing apparatus processes the financial transaction business according to the business information and transaction data comprised in the voice information. collecting , by the first user terminal, when the first user communicates with the second user through an instant messaging interface of a communication software, voice information provided as input for instant messaging from the first user to the second user; recognizing , by the first user terminal, whether the voice information includes a specific command; verifying , by the first user terminal, whether the first user is a legitimate user, wherein verifying whether the user is a legitimate user comprises applying voiceprint recognition on the input voice information; and in response to verifying that the first user is a legitimate user: based on recognizing that the voice information includes the specific command, activating, by the first user terminal, an execution of a corresponding financial transaction business at a business processing apparatus without exiting from the instant messaging interface, the business processing apparatus comprising an instant messaging server configured to receive instant messaging, and sending , by the first user terminal, business information and the voice information to the business processing apparatus, such that the business processing apparatus processes the financial transaction business according to the business information and transaction data comprised in the voice information. based on recognizing that the voice information includes the specific command, activating, by the first user terminal, an execution of a corresponding financial transaction business at a business processing apparatus without exiting from the instant messaging interface, the business processing apparatus comprising an instant messaging server configured to receive instant messaging, and sending , by the first user terminal, business information and the voice information to the business processing apparatus, such that the business processing apparatus processes the financial transaction business according to the business information and transaction data comprised in the voice information. <EOS>