×

Voice authenticated financial transaction

  • US 20080040262A1
  • Filed: 05/09/2007
  • Published: 02/14/2008
  • Est. Priority Date: 08/10/2006
  • Status: Abandoned Application
First Claim
Patent Images

1. A system for enabling users to conduct financial transactions with voice enabled merchant devices, comprising:

  • a merchant device operated by the merchant, that guides the user in conducting financial transactions, further comprising;

    a radio frequency identification module for identifying the unique identifier of the user, and for receiving and transmitting information via radio frequency;

    a biometric identification unit for authenticating the identity of individuals and authorizing transactions;

    a voice module that guides said user, and responds to a request for conducting a transaction by the user in the language of the user by providing a voice response back to the user, requesting authentication for said transaction;

    an electronic handheld device operated by the user, that has a unique identifier for each user, further comprising;

    a radio frequency identification unit for providing unique identifiers to individuals and for communicating with said merchant device;

    a memory module that stores the biometric information of said unique user;

    a financial module that maintains the cash balance and transaction history information; and

    a banking server that is in communication with said merchant transaction device via a network, wherein the merchant device credits, debits and conducts other financial transactions via said banking server.

View all claims
  • 1 Assignment
Timeline View
Assignment View
    ×
    ×