Method and system for implementing financial transactions

A non-transitory computer readable medium that stores computer readable instructions, which when executed by at least one processor, implement a method for implementing a financial transaction between a merchant and a user of a mobile user device, the method comprising:

• receiving information regarding a financial transaction from a merchant;
• generating a Secure Transaction Code from the received information, wherein the Secure Transaction Code is an alphanumeric value that binds the received information to the financial transaction;
• receiving information from a mobile user device that includes a voice entry of the Secure Transaction Code;
• verifying that the voice entry of the Secure Transaction Code corresponds to a Voice Authentication Master file of a registered user;
• obtaining the Secure Transaction Code from the information received from the mobile user device;
• verifying that the Secure Transaction Code obtained from the information received from the mobile user device is a valid Secure Transaction Code;
• if it is verified that the voice entry of the Secure Transaction Code corresponds to a master file of a registered user and if the Secure Transaction Code is verified as a valid Secure Transaction Code, authorizing the financial transaction between the merchant and the registered user;
• and
• if the financial transaction is authorized, sending an indication that the financial transaction has been authorized to the mobile user device.

A non-transitory computer readable medium that stores computer readable instructions, which when executed by at least one processor, implement a method for implementing a financial transaction between a merchant and a user of a mobile user device, the method comprising:

• receiving information from a mobile user device that includes a voice entry of a Secure Transaction Code, wherein the Secure Transaction Code is an alphanumeric value that is generated from information regarding a financial transaction and that binds the received information to the financial transaction;
• verifying that the voice entry of the Secure Transaction Code corresponds to a Voice Authentication Master file of a registered user;
• obtaining the Secure Transaction Code from the information received from the mobile user device;
• verifying that the Secure Transaction Code obtained from the information received from the user device is a valid Secure Transaction Code;
• if it is verified that the voice entry of the Secure Transaction Code corresponds to a master file of a registered user and if the Secure Transaction Code is verified as a valid Secure Transaction Code, authorizing the financial transaction between the merchant and the registered user;
• if the financial transaction is authorized, settling the financial transaction between the merchant and the registered user.

A non-transitory computer readable medium that stores computer readable instructions, which when executed by at least one processor, implement a method for secure access via a user device, the method comprising:

• receiving information regarding an access request;
• generating a Secure Transaction Code from the received information, wherein the Secure Transaction Code is an alphanumeric value that binds the received information to the access request;
• receiving information from a user device that includes a voice entry of the Secure Transaction Code;
• verifying that the voice entry of the Secure Transaction Code corresponds to a Voice Authentication Master (VAM) file of a registered user;
• obtaining the Secure Transaction Code from the information received from the user device;
• verifying that the Secure Transaction Code obtained from the information received from the user device is a valid Secure Transaction Code;
• if it is verified that the voice entry of the Secure Transaction Code corresponds to a Voice Authentication Master file of a registered user and if the Secure Transaction Code is verified as a valid Secure Transaction Code, authorizing the access request;
• and
• if the access request is authorized, sending an indication that the access request has been authorized to the user device.

A non-transitory computer readable medium that stores computer readable instructions, which when executed by at least one processor, implement a method for implementing a secure transaction via a user device, the method comprising:

• receiving information regarding a secure transaction;
• generating a Secure Transaction Code from the received information, wherein the Secure Transaction Code is an alphanumeric value that binds the received information to the secure transaction;
• receiving verification information and the Secure Transaction Code from a user device;
• verifying that the verification information corresponds to verification information of a registered user;
• verifying that the Secure Transaction Code obtained from the user device is a valid Secure Transaction Code;
• if it is verified that the verification information corresponds to verification information of a registered user and if the Secure Transaction Code is verified as a valid Secure Transaction Code, authorizing the secure transaction;
• and
• if the financial transaction is authorized, sending an indication that the secure transaction has been authorized to the user device.