Sound-Directed or Behavior-Directed Method and System for Authenticating a User and Executing a Transaction

• US 20170011406A1
• Filed: 02/10/2016
• Published: 01/12/2017
• Est. Priority Date: 02/10/2015
• Status: Abandoned Application

• Current Assignee: Garmin International, Inc. (Garmin Limited)
• Original Assignee: Nxt-Id, Inc.
• Inventors: Tunnell, Andrew, Powers, Sean, Tunnell, David, Zurasky, Jacob
• Application Number:
  US15/040,984
• Publication Number:
  US 20170011406A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/308 using the Internet of Things
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 2209/80 Wireless network architectures or network communication protocols for wireless network security H04W12/00
• CPC Class Codes: H04L 63/0861 using biometrical features, e.g. fingerprint, retina-scan cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231
• 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
• CPC Class Codes: H04W 12/06 Authentication
• CPC Class Codes: H04W 12/63 Location-dependent; Proximity-dependent
• CPC Class Codes: H04W 12/64 using geofenced areas
• CPC Class Codes: H04W 12/65 Environment-dependent, e.g. using captured environmental data
• CPC Class Codes: H04W 12/67 Risk-dependent, e.g. selecting a security level depending on risk profiles
• CPC Class Codes: H04W 12/68 Gesture-dependent or behaviour-dependent

Abstract

A method for executing a transaction. A first processing device senses a sound, an action, or a behavior from a source and receives identification information from the source, which may be related to or a portion of the sound, action or behavior. The first processing device processes one or more of the sound, the action, and the behavior and the identification information to identify the transaction and to identify the source. Executing the transaction if the source is an authorized source.

Claims

1. A method for executing a transaction, comprising:

at a first processing device;

receiving a first sound, a first action, or a first behavior from a source;

processing one or more of the first sound, the first action, and the first behavior to identify the transaction; and

executing the transaction on the first processing device or a second processing device.

2. The method of claim 1 wherein the first processing device comprises a computer, a wearable, a mobile device, a portable device, a smart phone, a smart wallet, a smart card, a watch, a jewelry item, a key chain, an accessory, an e-book reader;

a music player, or an electronic device having computer-processing or instruction-processing capabilities.

3. The method of claim 1 further comprising:

processing one or more of the first sound, the first action, and the first behavior to identify the source;

after identifying the source, determining whether the source is authorized; and

executing the transaction if the source is an authorized source.

4. The method of claim 3 wherein the step of determining whether the source is an authorized source comprises one or more of comparing the first sound to a predetermined trained sound, comparing the first action to a predetermined trained action, and comparing the first behavior to a predetermined behavior, and determining the source is an authorized source responsive to the step of comparing.

5. The method of claim 3 wherein the step of processing one or more of the first sound, the first action, and the first behavior to identify the source, further comprises processing the first sound, the first action, or the first behavior at a plurality device to identify the source, wherein each one of the plurality of devices analyzes the first sound, the first action, the first behavior, one or more elements of the first sound, or one or more elements of the first action, or one or more elements of the first behavior.

6. The method of claim 3 wherein the step of processing one or more of the first sound, the first action, and the first behavior to identify the source further comprises determining a score responsive to a degree of certainty associated with processing one or more of the first sound, the first action and the first behavior to identify the source, and wherein the score is used in conjunction with the step of executing the transaction.

7. The method of claim 1 wherein the step of executing the transaction is conducted at the first processing device or at a remote processing device responsive to information provided to the remote processing device by the first processing device.

8. The method of claim 1 wherein one or more of the first sound, the first action, and the first behavior operates as an alias associated with the transaction and the step of processing one or more of the first sound, the first action, and the first behavior to identify the transaction further comprises processing the alias to identify the transaction.

9. The method of claim 3 wherein the step of processing one or more of the first sound, the first action, and the first behavior to identify the source further comprises processing the first sound through a speaker-dependent acoustic model to identify the source.

10. The method of claim 1 further comprising receiving one or more of a second sound, a second action, and a second behavior from the source, and wherein the step of processing one or more of the first sound, the first action, and the first behavior to identify the transaction further comprises processing one or more of the second sound, the second action, and the second behavior in lieu of or in addition to the first sound, the first action, and the first behavior to identify the transaction.

11. The method of claim 1 wherein the transaction comprises a financial transaction, a purchase transaction, a telephone call, a payment transaction, retrieving a map, a financial exchange, or a reward transaction.

12. The method of claim 1 wherein the first sound comprises a vibration disturbance that generates pressure waves through a medium, the waves having an auditory effect upon reaching a sound receiver, and the first action or the first behavior comprises any one of a gesture, movement, or position of a user'"'"'s hand, arm, body, head, face, or finger.

13. The method of claim 1 wherein the first sound is generated by a sound-producing device under control of the source.

14. The method of claim 1 wherein the step of processing one or more of the first sound, the first action, and the first behavior to identify the transaction further comprises processing the first sound through a speaker-independent acoustic model to identify the transaction.

15. The method of claim 3 further comprising a second device in close proximity to the first device for a predetermined period of time before executing the transaction or before determining whether the source is an authorized source.

16. The method of claim 3 wherein the first sound, the first action, or the first behavior comprises one or more numbers or one or more letters for comparing with respective one or more numbers or one or more letters to identify the transaction, to identify details related to the transaction, or to authorize the source.

17. The method of claim 3 further comprising executing one or more of a sound, an action and a behavior authentication process in combination with predefined or dynamically-determined geometric or geographical limits to identify the transaction, to identify details related to the transaction, or to authorize the source.

18. The method of claim 1 wherein processing one or more of the first sound, the first action, and the first behavior to identify the transaction comprises selecting the transaction from a list of multiple transactions and executing a selected transaction.

19. The method of claim 1 wherein processing one or more of the first sound, the first action, and the first behavior further comprises generating a cryptogram or token associated with at least part of the details related to the transaction.

20. A method for executing a transaction, comprising:

at a first processing device;

sensing a sound, an action, or a behavior from a source;

receiving identification information from the source, wherein the identification information may be an element of the sound, the action, or the behavior;

processing one or more of the sound, the action, and the behavior and the identification information to identify the transaction and to identify the source;

after identifying the source, determining whether the source is an authorized source; and

executing the transaction if the source is an authorized source.