VOICE PHONE-BASED METHOD AND SYSTEM TO AUTHENTICATE USERS

• US 20150213453A1
• Filed: 02/12/2015
• Published: 07/30/2015
• Est. Priority Date: 08/28/2008
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: eBay Inc.
• Inventors: Tonini, Will
• Granted Patent: US 9,818,115 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/305 using wired telephone networks
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G10L 17/24 the user being prompted to utter a password or a predefined phrase

Abstract

Provided is a method and a telephone-based system with voice-verification capabilities that enable a user to safely and securely conduct transactions with his or her online financial transaction program account over the phone in a convenient and user-friendly fashion, without having to depend on an internet connection.

Claims

1. A method comprising:

playing a non-verbal sound when a user calls from a communication device, wherein the non-verbal sound is selected based on information about the user;

comparing a vocal response from the user to a stored vocal response corresponding to the non-verbal sound;

authenticating the user when the vocal response from the user matches the stored vocal response;

receiving an identifier from the user through the communication device; and

processing a transaction based on the identifier.

2. The method of claim 1, wherein the identifier corresponds to a purchase from a merchant.

3. The method of claim 1, wherein the identifier corresponds to a recipient of funds from the user.

4. The method of claim 1, wherein the identifier corresponds to a sender of funds to the user.

5. The method of claim 1, wherein the user is a merchant.

6. The method of claim 1, further comprising receiving a security identifier prior to the playing.

7. The method of claim 1, wherein the non-verbal sound is randomly selected from a plurality of non-verbal sounds associated with the user.

8. The method of claim 1, wherein the non-verbal sound is based on a phone number which the user calls from and a numerical code.

9. The method of claim 8, wherein the numerical code is generated from a security keyfob device.

10. The method of claim 1, wherein transaction comprises:

enabling the user to perform a balance inquiry;

enabling the user to pay for purchases;

enabling the user to conduct a money transfer;

enabling the user to receive money;

or

enabling the user to exit and disconnect the call.

11. A non-transitory computer readable medium comprising a plurality of machine-readable instructions which when executed by one or more processors are adapted to perform a method comprising:

playing a non-verbal sound when a user calls from a communication device, wherein the non-verbal sound is selected based on information about the user;

comparing a vocal response from the user to a stored vocal response corresponding to the non-verbal sound;

authenticating the user when the vocal response from the user matches the stored vocal response;

receiving an identifier from the user through the communication device; and

processing a transaction based on the identifier.

12. The non-transitory computer readable medium of claim 11, wherein the identifier corresponds to a purchase from a merchant.

13. The non-transitory computer readable medium of claim 11, wherein the identifier corresponds to a recipient of funds from the user.

14. The non-transitory computer readable medium of claim 11, wherein the identifier corresponds to a sender of funds to the user.

15. The non-transitory computer readable medium of claim 11, wherein the user is a merchant.

16. The non-transitory computer readable medium of claim 11, wherein the method further comprises receiving a security identifier prior to the playing.

17. The non-transitory computer readable medium of claim 11, wherein the non-verbal sound is randomly selected from a plurality of non-verbal sounds associated with the user.

18. The non-transitory computer readable medium of claim 11, wherein the non-verbal sound is based on a phone number which the user calls from and a numerical code.

19. The non-transitory computer readable medium of claim 11, wherein the numerical code is generated from a security keyfob device.

20. The non-transitory computer readable medium of claim 11, wherein transaction comprises:

enabling the user to perform a balance inquiry;

enabling the user to pay for purchases;

enabling the user to conduct a money transfer;

enabling the user to receive money;

or

enabling the user to exit and disconnect the call.