# US 10,503,469 B2 · System and method for voice authentication > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,503,469 B2 - Document ID: US10503469B2 - Status: Granted - Kind: B2 - Application number: 15/839,699 - Filed: 2017-12-12 - Published: 2018-04-26 - Granted: 2019-12-10 - Earliest claimed: 2012-12-19 - Assignees: Visa International Service Association - Applicants: Visa International Service Association - Inventors: Robert Rutherford; Julian Hua - Web page: https://patentgrep.com/patent/US10503469B2 ## CPC - G06F 3/167: {Audio in a user interface, e.g. using voice commands for navigating, audio feedback} - G06F 21/32: using biometric data, e.g. fingerprints, iris scans or voiceprints - G06Q 20/20: Point-of-sale [POS] network systems - G06Q 20/326: {Payment applications installed on the mobile devices} - G06Q 20/3272: {using an audio code} - G06Q 20/40145: {Biometric identity checks} - G10L 15/22: Procedures used during a speech recognition process, e.g. man-machine dialogue - G10L 17/00: Speaker identification or verification techniques - G10L 2015/225: {Feedback of the input speech} - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) - 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 Embodiments of the invention provide for secure voice authentication through a communication device or access device. Certain embodiments allow for providing a word string to a communication device or authentication device. The communication or authentication device plays a supplemental signal that is unique to a transaction. The communication device or authentication device concurrently records an audio segment originating from the user and the supplemental signal. The audio segment is an attempt by the user to vocally reproduce the word string. The communication device or authentication device sends the concurrently recorded audio segment and supplemental signal, to a computer, where the computer authenticates the user. ## Claims ### Claim 1 A method for enrolling a user in an authentication system and conducting a transaction, the method comprising: receiving, by a device, a user request to enroll in the authentication system; prompting, by the device, a word string to be repeated by a user; recording, by the device, a first audio segment originating from the user while the user attempts to vocally reproduce the prompted word string; sending, by the device, the first audio segment to a server computer, wherein the server computer generates a voice profile for the user including the first audio segment, wherein the server computer stores the generated voice profile; playing, by the device, a supplemental signal that is inaudible and that is unique to the transaction and that was provided to the device by the server computer; concurrently recording, by the device, a third audio segment originating from the user, and the supplemental signal to form a second audio segment; and sending, by the device, the second audio segment to the server computer, wherein the server computer authenticates the user by determining that the third audio segment matches the first audio segment in the voice profile, and that the supplemental signal in the second audio segment matches the supplemental signal provided by the server computer. ### Claim 2 (depends on 1) The method of claim 1, wherein the prompted word string is a first displayed word string, and wherein the third audio segment originates from the user while the user attempts to vocally reproduce a second displayed word string. ### Claim 3 (depends on 1) The method of claim 1, wherein the server computer updates the voice profile for the user based on a result of the authentication. ### Claim 4 (depends on 1) The method of claim 1, further comprising filtering the first audio segment originating from the user to remove background noises from the first audio segment. ### Claim 5 A device, comprising: a processor; and a non-transitory computer-readable storage medium, comprising code executable by the processor, for performing a method for enrolling a user in an authentication system and conducting a transaction, the method comprising: receiving a user request; prompting a word string to be repeated by a user; recording a first audio segment originating from the user while the user attempts to vocally reproduce the prompted word string; and sending the first audio segment to a server computer, wherein the server computer generates a voice profile for the user based on the first audio segment, wherein the server computer stores the generated voice profile; playing a supplemental signal that is inaudible and that is unique to the transaction and that was provided to the device by the server computer; concurrently recording a third audio segment originating from the user, and the supplemental signal to form a second audio segment; and sending the second audio segment to the server computer, wherein the server computer authenticates the user by determining that the third audio segment matches the first audio segment in the voice profile, and that the supplemental signal in the second audio segment matches the supplemental signal provided by the server computer. ### Claim 6 (depends on 5) The device of claim 5, wherein the prompted word string is a first displayed word string, and wherein the third audio segment originates from the user while the user attempts to vocally reproduce a second displayed word string. ### Claim 7 (depends on 5) The device of claim 5, wherein the server computer updates the voice profile for the user based on a result of the authentication. ### Claim 8 (depends on 5) The device of claim 5, wherein the method further comprises filtering the first audio segment originating from the user to remove background noises from the first audio segment. ### Claim 9 A method for enrolling a user in an authentication system and conducting a transaction, the method comprising: receiving, by a server computer, a first audio segment originating from a user while the user attempts to vocally reproduce a word string; generating, by the server computer, a voice profile for the user including the first audio segment; storing, by the server computer, the generated voice profile; providing, by the server computer to a device, a supplemental signal that is inaudible and is unique to the transaction, wherein the supplemental signal is subsequently played by the device and the device concurrently records a third audio segment, received from the user, and the supplemental signal to form a second audio segment; receiving, by the server computer and from the device, the second audio segment comprising the third audio segment and the supplemental signal; and authenticating, by the server computer, the user for the transaction by matching the third audio segment with the first audio segment, and matching the supplemental signal in the second audio segment with the supplemental signal provided by the server computer. ### Claim 10 (depends on 9) The method of claim 9, wherein the word string is displayed to the user via the device in response to the device receiving a user request. ### Claim 11 (depends on 10) The method of claim 10, wherein the prompted word string is a first displayed word string, and wherein the third audio segment originates from the user while the user attempts to vocally reproduce a second displayed word string. ### Claim 12 (depends on 9) The method of claim 9, further comprising updating, by the server computer, the voice profile for the user based on a result of the authentication. ### Claim 13 A server computer, comprising: a processor; and a non-transitory computer-readable storage medium, comprising code executable by the processor, for performing a method for enrolling a user in an authentication system and conducting a transaction, the method comprising: receiving, from a device, a first audio segment originating from a user; generating a voice profile for the user based on the first audio segment; storing the generated voice profile; providing, to the device, a supplemental signal that is inaudible and that is unique to the transaction, wherein the supplemental signal is subsequently played by the device and the device concurrently records a third audio segment, received from the user, and the supplemental signal to form a second audio segment; receiving, from the device, the second audio segment comprising the third audio segment originating from the user and the supplemental signal; and authenticating the user for the transaction by matching the third audio segment with the first audio segment, and matching the supplemental signal in the second audio segment with the supplemental signal provided by the server computer. ### Claim 14 (depends on 13) The server computer of claim 13, wherein a word string is displayed to the user via the device in response to the device receiving a user request. ### Claim 15 (depends on 14) The server computer of claim 14, wherein the prompted word string is a first displayed word string, and wherein the third audio segment originates from the user while the user attempts to vocally reproduce a second displayed word string. ### Claim 16 (depends on 13) The server computer of claim 13, wherein the method further comprises updating, by the server computer, the voice profile for the user based on a result of the authentication.