Apparatus and method for verifying transactions using voice print
First Claim
1. An apparatus, comprising:
- a voice response unit configured to obtain a test voice print during a transaction between a consumer and a merchant; and
a voice print comparator configured to receive the control voice print associated with information associated with the consumer, compare the test voice print to a control voice print associated with the information, determine a match level signal indicating a degree of match therebetween, compare the match level signal to a predefined threshold and determine an approval for the transaction based on the comparison of the match level signal with the predefined threshold;
wherein the voice response unit is further configured to notify the merchant whether the consumer is authorized to use an account, the verification signal being responsive determined approval.
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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 information associated with the consumer, and a control voice print associated with the information. Also, the voice print comparator may be configured to receive the control voice print, compare the test voice print to the control voice print, and to return a match level signal indicating a degree of match therebetween.
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Citations
20 Claims
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1. An apparatus, comprising:
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a voice response unit configured to obtain a test voice print during a transaction between a consumer and a merchant; and a voice print comparator configured to receive the control voice print associated with information associated with the consumer, compare the test voice print to a control voice print associated with the information, determine a match level signal indicating a degree of match therebetween, compare the match level signal to a predefined threshold and determine an approval for the transaction based on the comparison of the match level signal with the predefined threshold; wherein the voice response unit is further configured to notify the merchant whether the consumer is authorized to use an account, the verification signal being responsive determined approval. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method, comprising:
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obtaining, by at least one processor, a test voice print from a consumer during a transaction between the consumer and a merchant; obtaining a control voice print associated with account information; comparing, by the at least one processor, the control voice print to the test voice print; identifying, by the at least one processor, a level of match between the control voice print and the test voice print; comparing, by the at least one processor, level of match to a predefined threshold; determining an approval for the transaction based on the comparison of the level of match with the predefined threshold; and dispositioning, by the at least one processor, at least one transaction in response to the determined approval. - View Dependent Claims (9, 10, 11, 12, 13, 14, 15)
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16. A 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 a consumer during a transaction between the consumer and a merchant; obtain a control voice print associated with account information; 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; compare the level of match to a predefined threshold; determine an approval for the transaction based on the comparison of the level of match with the predefined threshold; and disposition at least one transaction in response to the determined approval. - View Dependent Claims (17, 18, 19, 20)
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Specification