METHOD AND SYSTEM FOR VOICE RECOGNITION BIOMETRICS ON A FOB

• US 20040232221A1
• Filed: 03/26/2004
• Published: 11/25/2004
• Est. Priority Date: 07/10/2001
• Status: Abandoned Application

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Bonalle, David S., Saunders, Peter D., Beenau, Blayn W., Gray, William J., Larkin, Carl, Fields, Seth W., Montgomery, Joshua L.
• Application Number:
  US10/708,827
• Publication Number:
  US 20040232221A1
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G07C 9/28 the pass enabling tracking or indicating presence
• CPC Class Codes: G07C 9/29 the pass containing active electronic elements, e.g. smartcards
• CPC Class Codes: G07F 7/025 by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 2209/805 Lightweight hardware, e.g. radio-frequency identification [RFID] or sensor
• CPC Class Codes: H04L 9/3231 Biological data, e.g. fingerprint, voice or retina network architectures or network communication protocols for supporting authentication of entities using biometrical features in a packet data network H04L63/0861

Abstract

The present invention discloses a system and methods for biometric security using voice recognition biometrics in a transponder-reader system. The biometric security system also includes a voice print sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a voice print sensor. In another embodiment, the system includes a reader configured with a voice print sensor. In yet another embodiment, the present invention discloses methods for proffering and processing voice print samples to facilitate authorization of transactions.

Claims

1. A transponder-reader transaction system configured with a biometric security system, said system comprising:

a transponder configured to communicate with a reader;

a reader configured to communicate with said system;

a voice print sensor configured to detect a proffered voice print sample, said voice print sensor configured to communicate with said system; and

,

a device configured to verify said proffered voice print sample to facilitate a transaction.

2. The transponder-reader transaction system of claim 1, wherein said sensor is configured to communicate with said system via at least one of a transponder, a reader, and a network.

3. The transponder-reader transaction system of claim 1, wherein said voice print sensor is configured to facilitate a finite number of scans.

4. The transponder-reader transaction system of claim 1, wherein said voice print sensor is configured to log at least one of a detected voice print sample, processed voice print sample and stored voice print sample.

5. The transponder-reader transaction system of claim 1, further including a database configured to store at least one data packet, wherein said data packet includes at least one of proffered and registered voice print samples, proffered and registered user information, terrorist information, and criminal information.

6. The transponder-reader transaction system of claim 5, wherein said database is contained in at least one of the transponder, transponder reader, sensor, remote server, merchant server and transponder-reader system.

7. The transponder-reader transaction system of claim 6, wherein said remote database is configured to be operated by an authorized sample receiver.

8. The transponder-reader transaction system of claim 1, wherein said voice print sensor device is configured with an audio capture device.

10. The transponder-reader transaction system of claim 1, wherein said voice print sensor is configured to detect and verify voice print characteristics including at least one of voice print waveforms in the time domain, energy content in the voice prints across the frequency domain, stochastic models of the voice print, and template models of the voice print.

11. The transponder-reader transaction system of claim 1, wherein said voice print sensor device is configured to detect and verify audio noise associated with an electronic device, motion, and body heat.

12. The transponder-reader transaction system of claim 1, further including a device configured to compare a proffered voice print sample with a stored voice print sample.

13. The transponder-reader transaction system of claim 12, wherein said device configured to compare a voice print sample is at least one of a third-party security vendor device and protocol/sequence controller.

14. The transponder-reader transaction system of claim 12, wherein a stored voice print sample comprises a registered voice print sample.

15. The transponder-reader transaction system of claim 14, wherein said registered voice print sample is associated with at least one of:

personal information, credit card information, debit card information, savings account information, and loyalty point information.

16. The transponder-reader transaction system of claim 15, wherein different registered voice print samples are associated with a different one of:

personal information, credit card information, debit card information, savings account information, and loyalty point information.

17. The transponder-reader transaction system of claim 15, wherein a voice print sample is primarily associated with at least one of first user information, wherein said first information comprises personal information, credit card information, debit card information, savings account information, and loyalty point information, and wherein a voice print sample is secondarily associated with at least one of second user information, wherein said second information comprises personal information, credit card information, debit card information, savings account information, and loyalty point information, where second user information is different than first user information.

18. The transponder-reader transaction system of claim 1, wherein said transponder-reader transaction system is configured to begin mutual authentication upon verification of said proffered voice print sample.

19. The transponder-reader transaction system of claim 1, wherein said transponder is configured to deactivate upon rejection of said proffered voice print sample.

20. The transponder-reader transaction system of claim 1, wherein said sensor is configured to provide a notification upon detection of a sample.

21. The transponder-reader transaction system of claim 1, wherein said device configured to verify is configured to facilitate at least one of access, activation of a device, a financial transaction, and a non-financial transaction.

22. The transponder-reader transaction system of claim 1, wherein said device configured to verify is configured to facilitate the use of at least one secondary security procedure.

9. The transponder-reader transaction system of 8, wherein said audio capture device is at least one of a microphone, telephone, cellular phone, and voice recorder.

23. A method for facilitating biometric security in a transponder-reader transaction system comprising:

proffering a voice print to a voice print sensor communicating with said system to initiate verification of a voice print sample for facilitating authorization of a transaction.

24. The method for of claim 23, further comprising registering at least one voice print sample with an authorized sample receiver.

25. The method of claim 24, wherein said step of registering further includes at least one of:

contacting said authorized sample receiver, proffering a voice print to said authorized sample receiver, processing said voice print to obtain a voice print sample, associating said voice print sample with user information, verifying said voice print sample, and storing said voice print sample upon verification.

26. The method of claim 23, wherein said step of proffering includes proffering a voice print to at least one of a microphone, telephone, cellular phone, and voice recorder.

27. The method of claim 23, wherein said step of proffering further includes proffering a voice print to a voice print sensor communicating with said system to initiate at least one of:

storing, comparing, and verifying said voice print sample.

28. The method of claim 23, wherein said step of proffering a voice print to a voice print sensor communicating with said system to initiate verification further includes processing database information, wherein said database information is contained in at least one of a transponder, transponder reader, sensor, remote server, merchant server and transponder-reader system.

29. The method of claim 23, wherein said step of proffering a voice print to a voice print sensor communicating with said system to initiate verification further includes comparing a proffered voice print sample with a stored voice print sample.

30. The method of claim 29, wherein said step of comparing includes comparing a proffered voice print sample to a stored voice print sample by using at least one of a third-party security vendor device and protocol/sequence controller.

31. The method of claim 29, wherein said step of comparing includes comparing voice print characteristics including at least one of voice print waveforms in the time domain, energy content in the voice prints across the frequency domain, stochastic models of the voice print, and template models of the voice print.

32. The method of claim 23, wherein said step of proffering a voice print to a voice print sensor communicating with said system further comprises using said voice print sensor to detect at least one of audio noise associated with an electronic device, motion, and body heat.

33. The method of claim 23, wherein said step of proffering a voice print to a voice print sensor communicating with said system to initiate verification further includes at least one of detecting, processing and storing at least one second proffered voice print sample.

34. The method of claim 23, wherein said step of proffering a voice print to a voice print sensor communicating with said system to initiate verification further includes the use of at least one secondary security procedure.

35. A method for facilitating biometric security in a transponder-reader transaction system comprising:

detecting a proffered voice print at a sensor communicating with said system to obtain a proffered voice print sample;

verifying the proffered voice print sample; and

authorizing a transaction to proceed upon verification of the proffered voice print sample.

36. The method of claim 35, wherein said step of detecting further includes detecting a proffered voice print at a sensor configured to communicate with said system via at least one of a transponder, reader, and network.

37. The method of claim 35, wherein said step of detecting a proffered voice print includes detecting a proffered voice print at one of a microphone, telephone, cellular phone, and voice recorder.

38. The method of claim 35, wherein said step of detecting includes at least one of:

detecting, storing, and processing a proffered voice print sample.

39. The method of claim 35, wherein said step of detecting further includes receiving a finite number of proffered voice print samples during a transaction.

40. The method of claim 35, wherein said step of detecting further includes logging each proffered voice print sample.

41. The method of claim 35, wherein said step of detecting further includes at least one of detection, processing and storing at least one second proffered voice print sample.

42. The method of claim 35, wherein said step of detecting further includes using said voice print sensor to detect at least one of audio noise associated with an electronic device, motion, and body heat.

43. The method of claim 35, wherein said step of verifying includes comparing a proffered voice print sample with a stored voice print sample.

44. The method of claim 43, wherein said step of comparing a proffered voice print sample with a stored voice print sample comprises storing, processing and comparing at least one voice print characteristic including voice print waveforms in the time domain, energy content in the voice prints across the frequency domain, stochastic models of the voice print, and template models of the voice print.

45. The method of claim 43, wherein comparing a proffered voice print sample with a stored voice print sample includes comparing a proffered voice print sample with at least one of a biometric sample of a criminal, a terrorist, and a transponder user.

46. The method of claim 35, wherein said step of verifying includes verifying a proffered voice print sample using information contained on at least one of a local database, a remote database, and a third-party controlled database.

47. The method of claim 35, wherein said step of verifying includes verifying a proffered voice print sample using one of a protocol/sequence controller and a third-party security vendor.