Point-of-sale (POS) voice authentication transaction system
First Claim
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1. A method for verifying a user'"'"'s identity using a voice input, the method comprising the steps of:
- (a) initiating a commercial transaction using a point-of-sale terminal operated by a commercial establishment;
(b) prompting said user to speak, via the point-of-sale terminal, at least one word corresponding to predetermined voice reference data;
(c) comparing the at least one word to said voice reference data to establish a voice match; and
(d) if a match is established, enabling the commercial establishment to complete the commercial transaction, wherein said database is remotely accessed using a voice web-based markup (VoiceXML) language protocol.
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Abstract
A system and method for providing voice authentication during a sale transaction through a telephone system or other communication means, wherein users to the service may require voice authentication as a prerequisite to conduct a conventional credit card or debit transaction. The voice authentication step is performed based on a comparison between a previously recorded voice message and the voice message inserted through the system using the voice browser and the voice recognition technology.
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Citations
12 Claims
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1. A method for verifying a user'"'"'s identity using a voice input, the method comprising the steps of:
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(a) initiating a commercial transaction using a point-of-sale terminal operated by a commercial establishment;
(b) prompting said user to speak, via the point-of-sale terminal, at least one word corresponding to predetermined voice reference data;
(c) comparing the at least one word to said voice reference data to establish a voice match; and
(d) if a match is established, enabling the commercial establishment to complete the commercial transaction, wherein said database is remotely accessed using a voice web-based markup (VoiceXML) language protocol. - View Dependent Claims (2, 3, 4, 5)
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6. A method for verifying a user'"'"'s identity in order to complete a commercial transaction using a point-of-sale terminal operated by a commercial establishment, the method comprising the steps of:
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(a) prompting said user, via the point-of-sale terminal, to speak voice reference information;
(b) recognizing and storing each of said spoken voice reference information in a storage means for subsequent retrieval;
(c) allowing for the establishment of a remote connection to the storage means upon receiving a request to verify the user'"'"'s identity in connection with the commercial transaction;
(d) receiving a voice utterance of one or more words corresponding to at least one word that is used to create said voice reference information;
(e) comparing said transmitted voice utterance with said stored voice reference data to establish a voice match; and
,(f) providing an indication to the commercial establishment as to whether the voice match is located or not, wherein the remote connection is achieved using a voice web-based markup (VoiceXML) language protocol. - View Dependent Claims (7, 8, 9, 10, 11)
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12. A point of sale terminal comprising:
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a voice input device for inputting voice data of a user;
an input device for inputting information related to a credit or debit card transaction requested by the user. means for requesting verification that the user is an authorized user of the credit or debit card, wherein the verification is a voice authentication process performed using the voice data input by the user, and the verification of the user'"'"'s identity can be performed on a periodic basis or in real time, wherein the means for verifying includes a voice browser that uses a voice web-based markup (VoiceXML) language protocol.
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Specification