Methods and systems for providing advanced payment solutions utilizing generative artificial intelligence (ai)-based voice fingerprint authentication technology

A system for providing an advanced payment solution utilizing a generative artificial intelligence (AI)-based voice fingerprint authentication technology, the system comprising:

• a memory configured to store instructions;
• and
• a processor,
• wherein, when the instructions are executed by the processor, the system controls to:
• receive a user's voice input and preprocess it,
• provide the preprocessed voice data to the generative AI to extract a voice pattern,
• compare the extracted voice pattern with a pre-registered user's voice pattern to check whether they match,
• display a notification requesting to pronounce a preset password based on a match between the extracted voice pattern and the registered user's voice pattern,
• receive the user's pronunciation, analyze a pitch, pronunciation speed, and tone of the voice, and determine whether the voice belongs to the registered user based on an analysis result,
• process a payment request based on a match between the extracted voice pattern and the registered user's voice pattern, and based on a determination that a string recognized from the user's pronunciation matches with a numeric string of the preset password and that a voice pattern of the corresponding password pronunciation is confirmed as that of the registered user, and
• transmit, in real time, a message indicating that the payment is completed to a user terminal and a payment platform.