Apparatus and method for verifying transactions using voice print
First Claim
1. An apparatus for verifying that a consumer seeking to conduct a transaction with a merchant using an account is authorized to use the account, the apparatus comprising:
- a voice response unit configured to obtain a test voice print during a transaction between the consumer and the merchant;
a storage medium configured to store an account number associated with the consumer, and a control voice print associated with the account number; and
a voice print comparator configured to receive the control voice print associated with the account number, compare the test voice print to the control voice print, and to return a match level signal indicating a degree of match therebetween;
wherein the voice response unit is further configured to notify the merchant whether the consumer is authorized to use the account, the verification signal being responsive to the match level signal.
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Accused Products
Abstract
A system, apparatus, and method for verifying that a consumer seeking to conduct a transaction with a merchant is authorized to use an associated account. An exemplary embodiment of the apparatus may include a voice response unit, a storage medium, and a voice print comparator The voice response unit may be configured to obtain a test voice print during a transaction between the consumer and the merchant. The storage medium may be configured to store an account number associated with the consumer, and a control voice print associated with the account number. Also, the voice print comparator may be configured to receive the control voice print associated with the account number, compare the test voice print to the control voice print, and to return a match level signal indicating a degree of match therebetween. From the match, the merchant may decide whether the consumer is authorized to use the account.
63 Citations
20 Claims
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1. An apparatus for verifying that a consumer seeking to conduct a transaction with a merchant using an account is authorized to use the account, the apparatus comprising:
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a voice response unit configured to obtain a test voice print during a transaction between the consumer and the merchant; a storage medium configured to store an account number associated with the consumer, and a control voice print associated with the account number; and a voice print comparator configured to receive the control voice print associated with the account number, compare the test voice print to the control voice print, and to return a match level signal indicating a degree of match therebetween; wherein the voice response unit is further configured to notify the merchant whether the consumer is authorized to use the account, the verification signal being responsive to the match level signal. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A computer-implemented method of verifying that a consumer seeking to conduct a transaction with a merchant using an account is authorized to use the account, the method comprising:
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obtaining a test voice print from the consumer during a transaction between the consumer and the merchant; obtaining an account number for the account; obtaining a control voice print associated with the account number; comparing the control voice print to the test voice print; identifying a level of match between the control voice print and the test voice print; and dispositioning at least one transaction in response to the level of match. - View Dependent Claims (9, 10, 11, 12, 13, 14, 15)
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16. A system for verifying that a consumer seeking to conduct a transaction with a merchant using an account is authorized to use the account, the system comprising:
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a server having a non-transitory storage medium, the storage medium operable to store computer readable instructions which, when executed by the system; obtain a test voice print from the consumer during a transaction between the consumer and the merchant; obtain an account number for the account; obtain a control voice print associated with the account number; compare the control voice print to the test voice print; identify a level of match between the control voice print and the test voice print; and disposition at least one transaction in response to the level of match. - View Dependent Claims (17, 18, 19, 20)
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Specification