Audio Credential Transmission for Secure Voice Transactions
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Solution Overview
Problem
Current transaction systems lack the ability to securely conduct transactions between two appliances without exposing payment credentials, particularly in scenarios where users prefer not to speak credit card numbers for convenience or security reasons, especially with voice-command home assistant platforms.
Innovation Solution
A method and system that utilize audio transmissions between appliances to securely initiate and complete transactions using a limited-use key, where one appliance detects an audible request, communicates with a remote server, and receives a credential message from another appliance via audio, allowing secure transaction processing without exposing account identifiers.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If users speak credit card numbers for transactions with voice-command platforms, then transaction convenience is improved, but security deteriorates
Solution Approach 1:
The patent introduces a secondary appliance (such as a mobile device) as an intermediary that holds the payment credentials securely. Instead of the voice-command appliance directly receiving or storing credential information, the system uses an audio transmission mechanism where the secondary appliance verifies credentials through a coded audio signal. This intermediary approach allows the voice-command platform to initiate transactions without directly handling sensitive payment data, thus maintaining convenience while improving security.
2Adaptability or versatility
If payment credentials are provisioned on one device, then transaction capability is improved, but system complexity deteriorates
Solution Approach 1:
The patent makes the audio transmission mechanism a universal communication channel that serves multiple functions: it transmits transaction requests from the voice-command appliance, conveys credential verification signals from the secondary appliance, and enables authentication without requiring separate dedicated communication protocols. This multi-functional use of the audio channel simplifies the overall system architecture while maintaining the ability to conduct transactions across different device types.
Data Source
AI summary
Provided is a system, method, and computer program product for conducting secure transactions with at least two appliances. The method includes monitoring audio data with a first appliance including a processor, a speaker, and a microphone; detecting, with the first appliance, an audible request to initiate a transaction from a user from the audio data; communicating, with the first appliance, a transaction request to at least one remote server in response to detecting the audible request to initiate the transaction; detecting, with the first appliance, a credential message received by the first appliance directly from a second appliance via an audio transmission, the credential message corresponding to the transaction request and including a limited use key provided to the second appliance from the at least one remote server or another remote server; and in response to detecting the credential message, initiating, with the first appliance, the transaction based on the limited use key.