System and method for secure telephone and computer transactions using voice authentication
AssigneeMastercard International Incorporated
InventorJohn Wankmueller
Life of this patent
Estimating the term…
Abstract
A secure electronic payment system and method for conducting a secure transaction using voice authentication is provided. A merchant's computer transmits an authorization request to an access control server. The access control server places a telephone call to the purchaser and performs voice authentication to confirm the identity of the purchaser. The access control server then transmits a response to the merchant's computer. If the purchaser is authorized to access the account, payment is processed by the merchant and the transaction is completed.
Claims16
A method for conducting a secure transaction using voice authentication wherein payment is processed from a payment account comprising:
- providing an issuer server communicably connected to a database of payment account entries, wherein a payment account entry associated with the payment account comprises at least a first voice sample associated with a holder of the payment account;
- receiving a verification request regarding the payment account;
- determining, in response to the verification request, whether the payment account participates in voice authentication services;
- receiving, at the issuer server, an authentication request for a transaction between the holder and a merchant comprising payment account information associated with the payment account, the authentication request further comprising a data field indicating when the merchant will allow the transaction to time out, the authentication request being formatted according to a 3-D Secure authentication protocol;
- triggering a telephone call to the holder of the payment account in response to said authentication request;
- obtaining a second voice sample by sampling one or more voice characteristics of the holder of the payment account obtained during said telephone call;
- and
- using voice authentication technology to compare the first voice sample to the second voice sample to determine whether the transaction is authorized by the holder of the payment account.
A method for conducting a secure transaction using voice authentication wherein payment is processed from a holder's payment account comprising:
- providing an issuer server communicably connected to a database of payment account entries, wherein each entry comprises at least a first voice sample associated with a holder of the payment account;
- receiving a verification request regarding the payment account;
- determining if the payment account participates in voice authentication services in response to the verification request;
- receiving, at said issuer server, an authentication request for a transaction between the holder and a merchant comprising payment account information associated with the payment account, the authentication request further comprising a data field indicating when the merchant will allow the transaction to time out, the authentication request being formatted according to a 3-D Secure authentication protocol;
- in response to the authentication request, triggering by the issuer server a telephone call to the holder;
- using voice authentication technology to authenticate the voice of the holder for purposes of authorizing the transaction;
- and
- authorizing the transaction as a function of the authentication.
A method for conducting a secure transaction using voice authentication wherein payment is processed from a payment account comprising:
- receiving payment account information associated with the payment account, the account information to be used for conducting the transaction;
- transmitting a holder verification request to verify holder participation in a voice authentication system;
- receiving an enrollment verification message;
- transmitting an authentication request for a transaction between the holder and a merchant including at least the payment account information in connection with conducting the transaction, the authentication request comprising a data field indicating when the transaction will time out;
- and
- receiving, prior to a time indicated in the data field, an authentication response responsive to the authentication request based on a comparison between a stored voice sample associated with said payment account and an obtained voice sample, the authentication response being formatted according to a 3-D Secure authentication protocol.
A system for conducting a secure transaction using voice authentication comprising:
- a memory unit comprising information related to at least one payment account including at least a first voice sample of an account holder of the payment account;
- and
- at least one processor configured to determine, in response to receiving a verification request for a transaction between the account holder and a merchant, whether the payment account participates in voice authentication services, to cause a call to be placed to the account holder to obtain a second voice sample of the account holder's voice in response to receiving an authentication request, to compare the first voice sample to the second voice sample to determine whether the transaction is authorized by the account holder, and to transmit an authentication response formatted according to a 3-D Secure authentication protocol.
Dependencies are inferred from the claim text.