Apparatus and method for verifying transactions using voice print
First Claim
1. An apparatus, comprising:
- a voice response unit configured to;
obtain a test voice print during a transaction between a consumer and a merchant; and
a storage medium configured to;
store information associated with the consumer; and
store a control voice print associated with the information; and
a voice print comparator configured to;
receive the control voice print associated with information associated with a consumer;
compare the test voice print from the voice response unit to the control voice print;
determine a match level signal indicating a degree of match between the test voice print and the control voice print;
compare the match level signal and a predefined threshold; and
determine an approval for a transaction based on the comparison of the match level signal and the predefined threshold.
1 Assignment
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Accused Products
Abstract
A system, apparatus, and method for verifying that a consumer seeking to conduct a transaction with a merchant is authorized to use an associated account. An exemplary embodiment of the apparatus may include a voice response unit, a storage medium, and a voice print comparator. The voice response unit may obtain a test voice print. The storage medium may store information associated with the consumer, and a control voice print associated with the information. The voice print comparator may receive the control voice print from the storage medium, compare the test voice print to the control voice print, determine a match level signal indicating a degree of match between the test voice print and the control voice print, compare the match level signal and a predefined threshold, and determine an approval for a transaction based on the comparison of the match level signal and the predefined threshold.
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Citations
20 Claims
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1. An apparatus, comprising:
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a voice response unit configured to; obtain a test voice print during a transaction between a consumer and a merchant; and a storage medium configured to; store information associated with the consumer; and store a control voice print associated with the information; and a voice print comparator configured to; receive the control voice print associated with information associated with a consumer; compare the test voice print from the voice response unit to the control voice print; determine a match level signal indicating a degree of match between the test voice print and the control voice print; compare the match level signal and a predefined threshold; and determine an approval for a transaction based on the comparison of the match level signal and the predefined threshold. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method, comprising:
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obtaining, by a voice response unit, a test voice print and consumer information from a consumer, wherein the obtaining is performed during a transaction between the consumer and a merchant; forwarding, by the voice response unit, the consumer information to a storage medium, wherein the storage medium searches for a control voice print associated with the consumer information; sending, by the voice response unit, the test voice print and the control voice print associated with the consumer information to a voice print comparator; and receiving, by the voice print comparator, the control voice print from the voice response unit associated with the consumer information, the receiving further comprising; determining a match level signal indicating a degree of match between the input voice print and the control voice print associated with the consumer information; comparing the match level signal and a predefined threshold; and determining an approval for a transaction based on the comparison of the match level signal and the predefined threshold. - View Dependent Claims (9, 10, 11, 12, 13, 14, 15)
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16. A non-transitory computer readable medium comprising instruction, that when executed by the processor, cause the processor to:
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obtain, by a voice response unit, a test voice print and consumer information during a transaction between a consumer and a merchant; send the consumer information to a storage medium, wherein the storage medium searches for a control voice print associated with the consumer information; forward the test voice print and the control voice print associated with the consumer information to a voice print comparator, the forwarding including; comparing the test voice print from the voice response unit, to the control voice print; determining a match level signal indicating a degree of match between the test voice print and the control voice print associated with the consumer information; comparing the match level signal and a predefined threshold; and determining an approval for a transaction based on the comparison of the match level signal and the predefined threshold. - View Dependent Claims (17, 18, 19, 20)
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Specification