SECURE PAYMENT BY MOBILE PHONE
First Claim
1. A non-transitory computer readable medium storing a program which when executed by at least one processing unit of a computing device strengthens password security, said program comprising sets of instructions for:
- receiving an audio clip transmitted by a mobile phone of a consumer, said audio clip comprising a voice print of the consumer as captured by the mobile phone;
comparing the received audio clip to a pre-recorded voice print of the consumer; and
notifying the merchant of one of (i) approval when the captured voice clip sufficiently matches the voice signature clip and (ii) denial when the captured voice clip does not sufficiently match the voice signature clip.
0 Assignments
0 Petitions
Accused Products
Abstract
Some embodiments include a system and a method for making secure payments by mobile phone. Some embodiments identify and authorize payments without the need of any specialized payment transaction processing equipment other than a mobile phone for each of a consumer and a merchant engaged in the transaction. In some embodiments, a secure transaction payment authorization is performed by completing a set of voice biometrics operations to compare a unique voice print of the consumer to an existing voice print of the consumer.
68 Citations
10 Claims
-
1. A non-transitory computer readable medium storing a program which when executed by at least one processing unit of a computing device strengthens password security, said program comprising sets of instructions for:
-
receiving an audio clip transmitted by a mobile phone of a consumer, said audio clip comprising a voice print of the consumer as captured by the mobile phone; comparing the received audio clip to a pre-recorded voice print of the consumer; and notifying the merchant of one of (i) approval when the captured voice clip sufficiently matches the voice signature clip and (ii) denial when the captured voice clip does not sufficiently match the voice signature clip. - View Dependent Claims (2, 3, 4, 5, 6, 7)
-
-
8. A system for making secure payment by mobile phone, said system comprising:
-
a mobile phone of a consumer associated with a transaction between the consumer and a merchant, the transaction initiated by the mobile phone of the consumer; a voice processing server for validating the authenticity of the consumer in connection with a captured voice print that is compared to a pre-recorded voice signature print; a database that stores voice print and other data in connection with the transaction; and a mobile phone of a merchant for confirming an amount due when the voice processing server. - View Dependent Claims (9, 10)
-
Specification