Safety certification from automobiles
The integration of voice biometric authentication with acoustic watermarks and vehicle telemetry data in credit card transactions within vehicles addresses fraudulent transactions by ensuring speaker and vehicle verification, thus enhancing transaction security.
Patent Information
- Authority / Receiving Office
- JP · JP
- Patent Type
- Applications
- Current Assignee / Owner
- CERENCE OPERATING CO
- Filing Date
- 2026-02-24
- Publication Date
- 2026-05-26
- Estimated Expiration
- Not applicable · inactive patent
AI Technical Summary
Credit cards are vulnerable to fraudulent transactions, and existing security measures are inadequate to prevent such occurrences, particularly within vehicles.
A secure transaction authentication method using voice biometric authentication combined with acoustic watermarks and vehicle telemetry data is implemented, where the acoustic watermark is derived from voice biometrics and enhanced with vehicle sensor information, and verified through a remote data processing system.
The method enhances transaction security by preventing fraud and ensuring the authenticity of transactions by verifying the speaker and vehicle information, thereby reducing fraudulent activities.
Smart Images
Figure 2026086829000001_ABST
Abstract
Description
Technical Field
[0001] Cross - reference to related applications This application claims the benefit of the priority date of July 30, 2020, of U.S. Provisional Patent Application No. 63 / 058,867, the content of which is incorporated herein by reference.
[0002] The present invention relates to payment processing, and in particular, to the authentication of payments.
Background Art
[0003] Credit cards are a convenient way to make payments. However, there are cases where they can be arranged to be used for fraudulent transactions.
[0004] To reduce the possibility of such transactions, various security measures are known to be implemented.
Summary of the Invention
Means for Solving the Problems
[0005] The present invention realizes a secure method for authenticating transactions when inside a vehicle by combining voice biometric authentication as an additional means. In some embodiments, the transaction is a credit card transaction.
[0006] In one embodiment, the method relies on an acoustic watermark derived in part from the voice biometric authentication.
[0007] Therefore, an acoustic watermark is associated with a raw audio file to create watermarked audio data. This watermark contains secret, inaudible information associated with the audio file. In some embodiments, this associated information arises as a result of the watermark being hidden within the raw audio file. In other embodiments, this association becomes more apparent when the raw audio file is associated with the watermark file. In this case, since the watermark is no longer encrypted, it is advantageous to encrypt the watermark file.
[0008] Next, the watermarked audio data is enhanced by encoding information derived from the vehicle's own sensors. This type of information includes, for example, location data derived from the GPS system.
[0009] The resulting enhanced, watermarked audio data is then transmitted to a remote data processing system. This system contains data that allows for speaker verification based on voice biometric authentication. However, information from vehicle sensors provides the basis for proprietary verification. In some embodiments, proprietary verification is performed by communicating with the vehicle's telematics server.
[0010] In some implementations, watermarks are extracted using a remote data processing system before matching is performed.
[0011] In another embodiment, the watermark may only represent vehicle identification information, and variable information may be omitted. In this embodiment, the data processing system learns to accept only speech from people inside the vehicle.
[0012] The method described herein makes fraud more difficult. In particular, the method prevents the interception of communications between the client and the server, and the insertion of recorded audio.
[0013] In one embodiment, the present invention is characterized by a method performed by a verification device that communicates with a telematics server communicating with a plurality of vehicles, including a first vehicle, the method including receiving verification data from the first vehicle. The verification data includes enhanced watermarked audio data, which includes an acoustic watermark, an audio file, and first vehicle information. The method subsequently extracts a voiceprint and first vehicle information and performs voice biometric authentication on the voiceprint. Based on the results of these actions, the method subsequently receives first telemetry data provided to the telematics server by the first vehicle from the telematics server, determines that the first vehicle information and the first telemetry data are consistent, and authenticates the transaction.
[0014] Examples of embodiments of this method include the first vehicle information and the first telemetry data including GPS information indicating the location of the first vehicle, including the position of the first vehicle, including identification information of the first vehicle, including both the position of the first vehicle and identification information of the first vehicle, including time-varying driving parameters of the first vehicle, and including information provided by the in-vehicle diagnostic system of the first vehicle.
[0015] In embodiments where the first vehicle information and the first telemetry data include the first time-varying operation parameters and the second time-varying operation parameters of the first vehicle, an embodiment of the method also includes checking whether the first time-varying operation parameters and the second time-varying operation parameters are consistent.
[0016] Further examples include cases where the presented transaction involves the presentation of a credit card.
[0017] Furthermore, some embodiments of this method include identifying a telematics server from among multiple telematics servers that receive telematics data from multiple corresponding vehicles, before receiving the first telemetry data.
[0018] Some embodiments include receiving second verification data from a second vehicle, including both an audio file and an acoustic watermark, as well as second telemetry data from a telematics server from which the second vehicle transmits telemetry data; determining that the second vehicle information and the second telemetry data are inconsistent based on the second verification data and the second telemetry data; and providing information indicating that the third vehicle information and the fourth vehicle information do not match.
[0019] In embodiments in which verification data is encoded, the method further includes decoding the encoded data to obtain a voiceprint and first vehicle information.
[0020] Furthermore, in the embodiment, the implementation of voice biometric authentication for a voiceprint includes determining whether the voiceprint matches a voiceprint from a voiceprint library.
[0021] If the first vehicle information includes a first time-varying operation parameter and a second time-varying operation parameter for the first vehicle, in some embodiments, this also includes identifying inconsistencies between the first time-varying operation parameter and the second time-varying operation parameter.
[0022] One embodiment further includes at least one of the following being performed without the occurrence of non-abstract and / or mental steps, in particular without the occurrence of mental steps performed by the mental organs of a person: extracting a voiceprint and first vehicle information; determining that the voiceprint matches a voiceprint from a voiceprint library; receiving second vehicle information from a telematics server communicating with the vehicle; determining that the first vehicle information and the second vehicle information match; and authenticating a presented transaction.
[0023] In some embodiments, the watermark is embedded in the audio file using steganography, the watermark is hidden within the audio file, and the watermark is an encrypted watermark associated with the audio file. In yet other embodiments, the audio file contains inaudible data.
[0024] In other embodiments, the present invention features an apparatus including a biometric authentication device. The biometric authentication device comprises a voiceprint library, a decoder, and an authentication channel for receiving telemetry data from a telematics server that receives telemetry data from a vehicle. The decoder is configured to extract vehicle information and voiceprint information from the received authentication data, which includes enhanced watermarked voice data. The biometric authentication device is further configured to compare the voiceprint information with voiceprints in the voiceprint library and compare the vehicle information with telemetry received from the telematics server.
[0025] Some embodiments of the verification device include a multiplexer that switches the verification channel based on receiving telemetry data from the first telematics server rather than the second telematics server.
[0026] In another aspect, the present invention features an apparatus including a biometric verification device that communicates with a telematics server that communicates with a plurality of vehicles including a first vehicle. Such a biometric verification device includes a decoder, a communication channel, a voiceprint library, and a matching engine. The decoder receives verification data from the first vehicle. The verification data includes an audio file, first vehicle information, and an acoustic watermark. The decoder extracts a voiceprint and the first vehicle information from the verification data. The communication channel receives first telemetry data from the telematics server. The first telemetry data would be provided to the telematics server by the first vehicle. The voiceprint library is accessed by the matching engine while performing voice biometric authentication on the voiceprint and is used in relation to the determination of the matching engine that the first vehicle information and the first telemetry data match. In response to identifying the match between the telemetry data and the first vehicle information, the biometric verification device transmits a signal authenticating the presented transaction, which is, for example, a credit card or debit card transaction.
[0027] In an embodiment, it is included that the decoder is configured to decode verification data in which the first vehicle information includes GPS information indicating the location of the first vehicle, the decoder is configured to decode verification data in which the first vehicle information includes the position of the first vehicle, the decoder is configured to decode verification data in which the first vehicle information includes the identification information of the first vehicle, the decoder is configured to decode verification data in which the first vehicle information includes the position and the identification information of the first vehicle, and the decoder is configured to decode verification data in which the first vehicle information includes the time-varying operation parameters of the first vehicle.
[0028] In some embodiments, the first vehicle information and the first telemetry data include first time-varying driving parameters and second time-varying driving parameters for the first vehicle. In such embodiments, the biometric verification device is configured to examine whether the first time-varying driving parameters and the second time-varying driving parameters are consistent.
[0029] In other embodiments, the first vehicle information and the first telemetry data include information provided by an on-vehicle diagnostic system of the first vehicle.
[0030] In other embodiments, the biometric verification device is further configured to identify a telematics server from among a plurality of telematics servers that each receive telemetry data from a corresponding plurality of vehicles before receiving the first telemetry data.
[0031] In still other embodiments, the biometric verification device receives second verification data from a telematics server to which the second vehicle sends telemetry data, determines, based on the second verification data and the second telemetry data, that the second verification data and the second telemetry data are inconsistent, and is further configured to provide information indicating this inconsistency.
[0032] Among the embodiments, there may be cases where the verification data is encoded and a decoder is configured to decode the encoded data to obtain a voiceprint and the first vehicle information.
[0033] In some embodiments, the matching engine is configured to determine that the voiceprint matches the voiceprint from the voiceprint library.
[0034] In other embodiments, the first vehicle information includes first time-varying driving parameters and second time-varying driving parameters for the first vehicle. In such embodiments, the matching engine is configured to examine whether the first time-varying driving parameters and the second time-varying driving parameters are inconsistent.
[0035] In yet another embodiment, the biometric authentication verification device is configured to stop receiving the first telemetry data and start receiving the second telemetry data associated with the second vehicle.
[0036] Embodiments further include the decoder being configured to identify that a watermark is embedded in the audio file using steganography, and the decoder being configured to identify an encrypted watermark associated with the audio file.
[0037] Further embodiments include the audio file containing inaudible data.
[0038] Furthermore, some embodiments of biometric authentication verification devices include a multiplexer that transfers the verification channel between receiving telemetry data from a first telematics server and receiving telemetry data from a second telematics server.
[0039] The methods described herein are carried out in a non-abstract manner only by a processing system comprising a substance, particularly a baryonic substance, that consumes energy and generates waste heat. Abstract implementations are omitted for clarity. Therefore, the claims refer to non-abstract subject matter. The term “non-abstract” as used herein is the opposite of the term “abstract” as understood by U.S. courts at the time of this filing. Therefore, anyone who interprets a claim as “abstract” is either mistaken or using the term in a manner inconsistent with its legal meaning. [Brief explanation of the drawing]
[0040] [Figure 1] Figure 1 shows a vehicle transporting the crew to initiate a secure transaction. [Figure 2]Figure 2 shows the communication between the vehicle shown in Figure 1, the telematics server, and the verification server. [Figure 3] Figure 3 shows the method performed by the verification server in Figure 2. [Modes for carrying out the invention]
[0041] Figure 1 shows a vehicle 10 transporting an occupant 12 who initiates a secure transaction by forming an utterance 14 that includes an audio passphrase 16.
[0042] Vehicle 10 is equipped with an in-vehicle communication system 18 that includes a microphone 20 and a loudspeaker 22. The microphone 20 receives speech 14 and generates a corresponding electrical waveform 24. The in-vehicle communication system 18 receives the waveform 24 and, after several processing steps, transmits verification data 25 to a biometric authentication verification device 28 via an antenna 26. This verification data 25 includes enhanced watermarked voice data that matches the occupant's voice, thus enabling the identification of the occupant 12.
[0043] In a preferred embodiment, transmission to the biometric authentication verification device 28 includes passing information including the utterance 14 to the encoder 30. The encoder 30 encodes the acoustic watermark 32 on this information.
[0044] Referring to Figure 2, the biometric authentication verification device 28 provides a voice biometric authentication service. To provide such a service, the biometric authentication verification device 28 comprises a decoder 34, a matching engine 40, and a voiceprint library 36. The decoder 34 is configured to decode the information provided by the encoder 30. The matching engine 40 verifies the authenticity of the speaker's voice based on a portion of the library 36.
[0045] In addition, the biometric authentication verification device 28 is characterized by a verification channel 38 and a matching engine 40. The verification channel 38 is connected to a telematics server 42 that receives telemetry data 50 from the vehicle 10. The matching engine 40 performs a comparison between the information provided by the vehicle 10, the information provided by the telematics server 42, and the information present in the voiceprint library 36.
[0046] In some embodiments, the biometric authentication device 28 connects to one or more additional telematics servers 66. In such embodiments, the biometric authentication device 28 further includes a multiplexer 68 for selecting which telematics servers 66, 42 should be connected to the authentication channel 38. Such selection is made based on vehicle information 46 transmitted from the vehicle 10 as part of the authentication data 25.
[0047] Referring back to Figure 1, the vehicle 10 further includes a sensor 44 that provides vehicle information 46 to a telematics transmitter 48. The telematics transmitter 48 converts this information into telemetry data 50, which it then transmits to a telematics server 42. The telematics server 42 routinely receives telemetry data 50 from many vehicles 10 via a cellular network. This vehicle information 46 is also provided to an encoder 30 for final transmission to a biometric authentication verification device 28.
[0048] In some embodiments, the vehicle 10 includes an on-board diagnostic system 52. In such embodiments, the sensor 44 comprises one or more sensing elements associated with the on-board diagnostic system 52.
[0049] The sensor outputs described herein include vehicle information 46 collected by one or more sensing elements distributed across the vehicle 10, including those associated with an on-board diagnostic system 52. Embodiments include a sensor 44 that includes one or more sensing elements selected from the group consisting of a geolocation device 54, an accelerometer 56, a speedometer 58, a fuel level sensor 60, a thermometer 62, and a pressure sensor 64.
[0050] Examples of vehicle information 46 include the vehicle's instantaneous location, its trajectory as a function of time, or any dynamic parameters such as acceleration or velocity. This type of vehicle information 46 can be obtained from one or more of the geolocation device 54, accelerometer 56, and speedometer 58.
[0051] Other examples of vehicle information 46 include time-varying driving parameters such as the fuel level provided by the fuel level sensor 60, the cabin temperature and outside temperature provided by the thermometer 62, and the tire pressure measured by the pressure sensor 64.
[0052] The vehicle information 46 is not limited to information collected by the sensor 44. For example, in some embodiments, the vehicle information 46 may include information such as the frequency to which the vehicle's radio is tuned and the vehicle's vehicle identification number (VIN).
[0053] Referring to Figure 3, the verification server performs a verification process 65, which begins with receiving verification data 25 from the encoder 30 (step 66).
[0054] The decoder 34 decodes the verification data 25 to extract the acoustic watermark 32, vehicle information 46, and voice passphrase 16 (step 68). The matching engine 40 then attempts to match the occupant's voice with the voiceprint from the voiceprint library 36 (step 70).
[0055] The decoder 34 also extracts vehicle information 46 from the vehicle 10 (step 72) and identifies the telematics server 42 that communicates with the vehicle 10. The biometric authentication verification device 28 then establishes communication with the identified telematics server (step 74), and subsequently the matching engine 40 compares the vehicle information 46 received from the vehicle 10 with the corresponding telemetry data 50 that the vehicle 10 has independently sent to the telematics server 42 (step 76).
[0056] If the comparison is favorable, the biometric authentication device 28 provides a signal indicating that the presented transaction is likely genuine (step 80). On the other hand, if the comparison is unfavorable, the biometric authentication device 28 provides a signal indicating that the presented transaction is likely not genuine (step 82).
[0057] In some embodiments, the vehicle information 46 includes several driving parameters that can be checked against each other for consistency. For example, an outside temperature below freezing or the spatial coordinates in which the vehicle 10 is located in a tropical region may raise some doubts with the biometric authentication verification device 28.
[0058] Having described the present invention and its preferred embodiments, the following are newly guaranteed by this patent certificate:
Claims
1. A device comprising a biometric authentication verification device that communicates with a telematics server that communicates with multiple vehicles, including a first vehicle, The aforementioned biometric authentication verification device is A decoder that receives an audio file, first vehicle information, and verification data including an acoustic watermark from the first vehicle, and extracts a voiceprint and the first vehicle information therefrom, A communication channel for receiving first telemetry data provided to the telematics server by the first vehicle from the telematics server, Voiceprint library and A matching engine that performs voice biometric authentication on the voiceprint using the library and determines that the first vehicle information and the first telemetry data are consistent. It is equipped with, In response to identifying the consistency between the telemetry data and the first vehicle information, the biometric authentication verification device transmits a signal to authenticate the presented transaction.
2. The apparatus according to claim 1, wherein the decoder is configured to decode verification data comprising the first vehicle information and the first telemetry data, which includes GPS information indicating the location of the first vehicle.
3. The apparatus according to claim 1, wherein the decoder is configured to decode verification data comprising the first vehicle information and the first telemetry data including the position of the first vehicle.
4. The apparatus according to claim 1, wherein the decoder is configured to decode verification data in which the first vehicle information includes identification information of the first vehicle.
5. The apparatus according to claim 1, wherein the decoder is configured to decode verification data comprising the first vehicle information and the first telemetry data, the first vehicle location and the first vehicle identification information.
6. The apparatus according to claim 1, wherein the decoder is configured to decode verification data comprising the first vehicle information and the first telemetry data, the first vehicle's time-varying operation parameters.
7. The first vehicle information and the first telemetry data include a first time-varying operation parameter and a second time-varying operation parameter for the first vehicle. The apparatus according to claim 1, wherein the biometric authentication verification device is configured to check whether the first time-varying operation parameter and the second time-varying operation parameter are consistent.
8. The apparatus according to claim 1, wherein the transaction presented is a credit card transaction.
9. The apparatus according to claim 1, wherein the first vehicle information and the first telemetry data include information provided by the in-vehicle diagnostic system of the first vehicle.
10. The apparatus according to claim 1, wherein the biometric authentication verification device is configured to identify the telematics server from among a plurality of telematics servers that each receive telematics data from a plurality of corresponding vehicles, before receiving the first telemetry data.
11. The biometric authentication verification device is further configured to receive second verification data from a second vehicle, from a telematics server from which the second vehicle sends telemetry data, determine that the second verification data and the second telemetry data are inconsistent based on the second verification data and the second telemetry data, and provide information indicating the inconsistency, as described in claim 1.
12. The apparatus according to claim 1, wherein the verification data is encoded, and the decoder is configured to decode the encoded data to obtain the voiceprint and the first vehicle information.
13. The apparatus according to claim 1, wherein the matching engine is configured to determine whether the voiceprint matches a voiceprint from a voiceprint library.
14. The apparatus according to claim 1, wherein the first vehicle information includes a first time-varying operating parameter and a second time-varying operating parameter of the first vehicle, and the matching engine is configured to identify inconsistencies between the first time-varying operating parameter and the second time-varying operating parameter.
15. The apparatus according to claim 1, wherein the biometric authentication verification device is configured to stop receiving the first telemetry data and start receiving the second telemetry data associated with the second vehicle.
16. The apparatus according to claim 1, wherein the decoder is configured to identify that a watermark is embedded in the audio file using steganography.
17. The apparatus according to claim 1, wherein the decoder is configured to identify an encrypted watermark associated with the audio file.
18. The apparatus according to claim 1, wherein the audio file includes inaudible data.
19. The apparatus according to claim 1, further comprising a multiplexer that transfers the verification channel between receiving telemetry data from a first telematics server and receiving telemetry data from a second telematics server.
20. A method performed by a biometric authentication verification device that communicates with a telematics server that communicates with multiple vehicles, including a first vehicle, Receiving audio files, first vehicle information, and verification data including an acoustic watermark from the first vehicle, Extracting the aforementioned voiceprint and the first vehicle information, Perform voice biometric authentication on the aforementioned voiceprint, Based on the results of the voice biometric authentication, the first telemetry data provided to the telematics server by the first vehicle is received from the telematics server. To determine that the first vehicle information and the first telemetry data are consistent, To verify the presented transaction and Methods that include...