# US 10,311,437 B2 · Voice phone-based method and system to authenticate users > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,311,437 B2 - Document ID: US10311437B2 - Status: Granted - Kind: B2 - Application number: 15/811,646 - Filed: 2017-11-13 - Published: 2018-05-31 - Granted: 2019-06-04 - Earliest claimed: 2008-08-28 - Assignees: Paypal, Inc. - Applicants: Paypal, Inc. - Inventors: Will Tonini - Web page: https://patentgrep.com/patent/US10311437B2 ## CPC - G06Q 20/40145: {Biometric identity checks} - G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems - G06Q 20/305: {using wired telephone networks} - G06Q 20/325: {using wireless networks} - 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 - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - G10L 17/24: the user being prompted to utter a password or a predefined phrase - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G10L: SPEECH ANALYSIS TECHNIQUES OR SPEECH SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING TECHNIQUES; SPEECH OR AUDIO CODING OR DECODING ## 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 ### Claim 1 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. ### Claim 2 (depends on 1) The method of claim 1, further comprising: registering the mobile device for use of the automated transaction processing system with an account of the user using an identifier for the mobile device. ### Claim 3 (depends on 1) The method of claim 1, further comprising: receiving an identifier for the mobile device that is input to a webpage interface of the automated transaction processing system; and setting the identifier for use of an account of the user when receiving phone calls using the identifier. ### Claim 4 (depends on 3) The method of claim 3, wherein the webpage interface comprises at least one menu for entry of phone number data for the identifier of the mobile device. ### Claim 5 (depends on 4) The method of claim 4, wherein the at least one menu comprises one of a drop down menu including selectable options or a webpage field for entry of text data. ### Claim 6 (depends on 3) The method of claim 3, wherein the webpage interface corresponds to a software-based application of the automated transaction processing system that interfaces with a phone system for receipt of the phone call. ### Claim 7 (depends on 3) The method of claim 3, further comprising: in response to the registering, receiving a registration confirmation phone call from the mobile device to the phone number, wherein the registration confirmation phone call comprises the identifier for the mobile device for identification of the mobile device during the registration confirmation phone call; matching the identifier in the registration confirmation phone call to the identifier used to register the mobile device; and confirming setup of the identifier for the mobile device for use of the account using the automated transaction processing system. ### Claim 8 (depends on 7) The method of claim 7, wherein the receiving the identifier during the registration confirmation phone call comprises one of determining the identifier of the mobile device during the registration confirmation phone call or requesting entry of the identifier during the registration confirmation phone call using an interactive voice response system. ### Claim 9 (depends on 7) The method of claim 7, wherein prior to the confirming the setup, the method further comprises: receiving a series of digits from a security token; and authenticating the series of digits for the user. ### Claim 10 (depends on 7) The method of claim 7, wherein the confirming the setup comprises: playing a series of non-verbal sounds comprising the non-verbal sound; receiving a user verbal input to each of the non-verbal sounds in the series, wherein the verbal response comprises the user verbal input; and establishing the user verbal input for each of the non-verbal sounds as an authentication response to each of the non-verbal sounds. ### Claim 11 (depends on 10) The method of claim 10, wherein the user verbal input for each of the non-verbal sounds comprise an audio file for the sound data and the text data from the audio file converted to text. ### Claim 12 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. ### Claim 13 (depends on 12) The system of claim 12, wherein the operations further comprise: receiving a request during the audio data exchange from the device; and processing the request. ### Claim 14 (depends on 13) The system of claim 13, wherein the request comprises one of performing a balance inquiry, paying for a purchase, conducting a money transfer, or confirming received money. ### Claim 15 (depends on 13) The system of claim 13, wherein the request comprises a transaction processing request, and wherein the transaction processing request comprises transaction data comprising at least a transaction recipient identifier for payment of an amount. ### Claim 16 (depends on 15) The system of claim 15, wherein the transaction recipient identifier comprises one of a merchant identifier for a merchant or a merchant-generated transaction reference number. ### Claim 17 (depends on 15) The system of claim 15, further comprising: updating an online financial transaction website with a transaction processing status for a transaction corresponding to the transaction data. ### Claim 18 (depends on 17) The system of claim 17, wherein the operations further comprise: transmitting a text message comprising the transaction processing status to the device. ### Claim 19 (depends on 13) The system of claim 13, wherein the request is received using one of keypad selection during the audio data exchange or voice input to an interactive voice response system. ### Claim 20 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.