US 12,597,029 B2Granted

System, method, and computer program product for authenticating a transaction

AssigneeVisa International Service Association

InventorsVenkata Naga Pradeep Kumar Kaja, Vijayaraju Konkathi

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Abstract

Provided is a computer-implemented method for authenticating a transaction. The method includes associating, in at least one database, a plurality of voice identifiers with a plurality of users, each voice identifier of the plurality of voice identifiers corresponding to a user having at least one account identifier, receiving audio data comprising a spoken voice identifier, determining a detected voice identifier from the plurality of voice identifiers in the at least one database, the detected voice identifier matching the spoken voice identifier, determining a user from the plurality of users based at least partially on the detected voice identifier, in response to determining the user of the plurality of users, communicating a notification to a device associated with the user, the notification comprising transaction data associated with the transaction, and in response to receiving an authentication signal from the device associated with the user, conducting the transaction.

Claims18

Dependent claims

A computer-implemented method for authenticating a transaction, comprising:

registering, with at least one authentication database, a voice identifier for a user having at least one account identifier, the authentication database comprising a plurality of voice identifiers for a plurality of users;
during a transaction between the user and a merchant, communicating, from a mobile device operated by the user to a merchant point-of-sale system, audio data comprising a spoken voice identifier captured by a microphone of the mobile device;
communicating the audio data from the merchant point of sale system to at least one processor of an authentication system;
matching, with the at least one processor, the spoken voice identifier to a matching voice identifier from the plurality of voice identifiers stored in the at least one authentication database;
identifying, with the at least one processor, the user from the plurality of users based at least partially on the matching voice identifier;
in response to identifying the user of the plurality of users, communicating, with the at least one processor, a verification message to the mobile device operated by the user, the verification message comprising transaction data for the transaction and configured to prompt the user for an input;
receiving, with the at least one processor, an authentication signal generated by the mobile device operated by the user in response to the input;
and
in response to receiving the authentication signal, conducting or initiating, with the at least one processor, the transaction using the at least one account identifier associated with the user.

6 more elements

A system for authenticating a transaction comprising at least one processor programmed or configured to:

register, with at least one authentication database, a voice identifier for a user having at least one account identifier, the authentication database comprising a plurality of voice identifiers for a plurality of users;
during a transaction between the user and a merchant, communicate, from a mobile device operated by the user to a merchant point-of-sale system, audio data comprising a spoken voice identifier captured by a microphone of the mobile device;
communicate the audio data from the merchant point of sale system to at least one processor of an authentication system;
match the spoken voice identifier to a matching voice identifier from the plurality of voice identifiers stored in the at least one authentication database;
identify the user from the plurality of users based at least partially on the matching voice identifier;
in response to identifying the user of the plurality of users, communicate a verification message to the mobile device operated by the user, the verification message comprising transaction data for the transaction and configured to prompt the user for an input;
receive an authentication signal generated by the mobile device operated by the user in response to the input;
and
in response to receiving the authentication signal, conduct or initiate the transaction using the at least one account identifier associated with the user.

6 more elements

A computer program product for authenticating a transaction, comprising at least one non-transitory computer readable medium including program instructions that, when executed by at least one processor of at least one computer, cause the at least one computer to:

register, with at least one authentication database, a voice identifier for a user having at least one account identifier, the authentication database comprising a plurality of voice identifiers for a plurality of users;
during a transaction between the user and a merchant, communicate, from a mobile device operated by the user to a merchant point-of-sale system, audio data comprising a spoken voice identifier captured by a microphone of the mobile device;
communicate the audio data from the merchant point of sale system to at least one processor of an authentication system;
match the spoken voice identifier to a matching voice identifier from the plurality of voice identifiers stored in the at least one authentication database;
identify the user from the plurality of users based at least partially on the matching voice identifier;
in response to identifying the user of the plurality of users, communicate a verification message to the mobile device operated by the user, the verification message comprising transaction data for the transaction and configured to prompt the user for an input;
receive an authentication signal generated by the mobile device operated by the user in response to the input;
and
in response to receiving the authentication signal, conduct or initiate the transaction using the at least one account identifier associated with the user.

6 more elements

Dependencies are inferred from the claim text.

Facts

Application: 17/949,352Filed 21 Sep 2022 · continuation
Published: US 2023/0020600 A119 Jan 2023
Granted: 7 Apr 2026
Term ends: Not estimatedThe source records don’t support an estimate.

Classification5 codes

G06Q 20/40145
Identity check for transactions: biometric identity checks
G06F 21/32
User authentication: using biometric data, e.g. fingerprints, iris scans or voiceprints
G06Q 20/206
Point-of-sale [POS] network systems: comprising security or operator identification provisions, e.g. password entry
G06Q
Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial

Family

PCT/US2017/043461Parent of this continuation · filed 24 Jul 2017
US 2023/0020600 A1Pre-grant publication · published 19 Jan 2023
Application16/633,865Parent of this continuation
US 11,494,771 B2Parent of this continuation
US 2020/0211023 A1Published application
US 12,597,029 B2This patent

From the US filing history. Foreign family members aren’t listed.