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US 10,311,437 B2Granted
Voice phone-based method and system to authenticate users
AssigneePaypal, Inc.
InventorWill Tonini
Life of this patent
Estimating the term…
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.
Claims20
A method comprising:
- receiving a phone call from a mobile device of a user to a phone number of an automated transaction processing system;
- determining a non-verbal sound that is registered to the phone number;
- determining a registered verbal response for the non-verbal sound that is registered to the phone number, wherein the registered verbal response comprises sound data for the registered verbal response by the user to the non-verbal sound and text data converted from the sound data;
- in response to the receiving, outputting, during the phone call, the non-verbal sound;
- receiving a verbal response from the user;
- determining whether the verbal response to the non-verbal sound corresponds to the sound data and the text data for the registered verbal response;
- and
- authenticating the user for use of the automated transaction processing system based on determining the verbal response corresponds to the sound data and the text data.
5 more elements
A system comprising:
- a non-transitory memory;
- and
- one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
- in response to establishing an audio data exchange with a device of a user, determining an audio sound that is registered to the device based on an identifier for the device used for the audio data exchange;
- determining a stored vocal response for the audio sound that is registered to the device, wherein the stored vocal response comprises sound data for the stored vocal response by the user to the audio sound and text data converted from the sound data;
- playing, during the audio data exchange, the audio sound;
- comparing, using a voice processing operation of the system, a vocal response received from the user during the audio data exchange in response to the audio sound to the sound data and the text data for the stored vocal response corresponding to the audio sound;
- determining whether the vocal response matches the stored vocal response;
- and
- in response to determining the vocal response matches the stored vocal response, authenticating the user.
7 more elements
A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
- in response to receiving a phone call from a mobile device of a user, determining a non-verbal sound that is registered to a phone number for the mobile device used for the phone call;
- determining a previously established voice response for the non-verbal sound that is registered to the phone number, wherein the previously established voice response comprises sound data for the previously established voice response by the user to the non-verbal sound and text data converted from the sound data
- outputting, during the phone call, the non-verbal sound;
- receiving a voice input in response to the non-verbal sound during the phone call;
- comparing, using a voice recognition process of an interactive voice response system, the voice input to the sound data and the text data for the previously established voice response for the non-verbal sound;
- and
- authenticating the user when the voice input matches the previous established voice response.
4 more elements
Dependencies are inferred from the claim text.