Speech transaction processing
AssigneeVisa International Service Association
InventorsJohn F. Sheets, Kim R. Wagner, Mark A. Nelsen
Life of this patent
Estimating the term…
Abstract
Embodiments of the invention are directed to systems and methods for speech transaction processing. A location of a device associated with a user may be determined. A reference to a voice model associated with the user stored within a database may be retrieved, based at least in part on the location. A voice segment may be received from the user. Using the reference, the voice segment may be compared to the voice model stored within the database. A determination may be made whether the user is authenticated for the transaction based on the comparing step.
Claims14
A method of authenticating a user for a transaction, the method comprising:
- receiving, at a server computer, a communication indicative of the communication device associated with the user entering a location within a virtual perimeter;
- in response to receiving the communication and prior to receiving a voice segment from the user, retrieving, via the server computer, a reference for accessing a voice model associated with the user, wherein the voice model is stored in a database, wherein the reference is a pointer to a storage address within the database;
- using, at the server computer, the reference to access the voice model stored in the database;
- comparing, at the server computer, the received voice segment to the voice model;
- determining, at the server computer, whether the user is authenticated for the transaction based at least in part on comparing the received voice segment to the voice model;
- and
- transmitting, via the server computer and to a merchant computer, a result of the determining step.
A server computer, comprising:
- a processor;
- and
- a non-transitory computer-readable storage medium, comprising code executable by the processor for implementing a method for authenticating a user for a transaction, the method comprising:
- receiving a communication indicative of the communication device associated with the user entering a location within a virtual perimeter;
- in response to receiving the communication and prior to receiving a voice segment from the user, retrieving a reference for accessing a voice model associated with the user, wherein the voice model is stored in a database, wherein the reference is a pointer to a storage address within the database;
- using the reference to access the voice model stored in the database;
- comparing the received voice segment to the voice model;
- determining whether the user is authenticated for the transaction based at least in part on comparing the received voice segment to the voice model;
- and
- transmitting, to a merchant computer, a result of the determining step.
Dependencies are inferred from the claim text.