Voice recognition to authenticate a mobile payment

A computer-implemented method for authenticating an electronic payment at a point-of-sale location, comprising:

• receiving, by one or more processors, a request to conduct an electronic payment;
• transmitting, by the one or more processors, an image to one of a mobile device or a terminal at the point-of-sale location;
• receiving, by the one or more processors, a voice sample recorded at the point-of-sale location in response to the image and time-stamped location data from the mobile device indicating a location of the mobile device when the voice sample was recorded;
• determining whether the voice sample is authentic by comparing a voice in the received voice sample to a reference recording, wherein the voice sample is authentic when a speaker in the voice sample is determined to be the speaker in the reference recording;
• determining the received voice sample is based on the transmitted image;
• determining the mobile device is at the point-of-sale location by comparing the location data to a location of the point-of-sale location and by comparing the time when the location data was generated to a time the voice sample was received;
• and
• authorizing, by the one or more processors, the electronic payment based on the determination the voice sample is authentic, the determination that the received voice sample is based on the transmitted image, and the determination the mobile device is at the point-of-sale location.

A non-transitory computer-readable medium having stored instructions, which when executed, cause one or more processors to perform a mobile payment authentication method of:

• receiving a request to conduct an electronic payment;
• transmitting an image to one of a mobile device or a terminal at a point-of-sale location;
• receiving a voice sample recorded at the point-of-sale location in response to the image and time-stamped location data from the mobile device indicating a location of the mobile device when the voice sample was recorded;
• determining whether the voice sample is authentic by comparing a voice in the received voice sample to a reference recording, wherein the voice sample is authentic when a speaker in the voice sample is determined to be the speaker in the reference recording;
• determining the received voice sample is based on the transmitted image;
• determining the mobile device is at the point-of-sale location by comparing the location data to a location of the point-of-sale location and by comparing the time when the location data was generated to a time the voice sample was received;
• and
• authorizing the electronic payment based on the determination the voice sample is authentic, the determination that the received voice sample is based on the transmitted image, and the determination the mobile device is at the point-of-sale location.