Sensitive Banking Information Over Voice Connections With Synthesized Speech
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Solution Overview
Problem
The issue of sensitive information being inadvertently shared in public spaces due to voice calls, leading to potential theft or misuse, particularly in transactions requiring the verbal disclosure of data like credit card numbers or personal information.
Innovation Solution
Implementing a system on mobile devices to detect requests for sensitive information, authenticate users, and generate synthesized speech data to convey this information over voice connections without requiring users to speak it aloud, optionally involving a three-way connection with a banking system for secure processing.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If users speak sensitive information aloud during voice calls, then information can be transmitted quickly and easily, but the information becomes vulnerable to eavesdropping and theft by third parties in public locations
Solution Approach 1:
The patent introduces an intermediary system (automated telephone system with speech recognition and text-to-speech capabilities) that mediates between the user and the recipient. The user types information into their mobile device, the intermediary system transcribes it to speech, and plays it through the recipient's telephone. This intermediary process eliminates the need for the user to speak aloud sensitive information while maintaining efficient transmission.
Solution Approach 2:
The patent replaces the mechanical act of speaking (voice production) with an automated electronic system. Instead of the user's vocal cords producing speech, the system uses speech recognition software, text processing, and text-to-speech synthesis to generate and transmit the information verbally through the telephone network.
2Ease of operation
If users verbally provide sensitive information such as credit card numbers during telephone transactions, then the transaction process is simple and direct, but errors occur and security risks increase
Solution Approach 1:
The system enables the user to independently input information using their mobile device's keyboard without requiring verbal communication. The automated telephone system then handles the conversion and transmission, eliminating human error in speech-to-text conversion while maintaining ease of use through automatic processing.
Solution Approach 2:
The patent creates a digital copy of the information typed by the user, processes it through the automated system, and generates an audio copy for transmission. This copying process ensures accuracy by working with the exact digital input rather than interpreting spoken words, while still delivering verbal information through the telephone.
3Reliability
If users manually type and send sensitive information through mobile devices, then security is improved, but the transaction process becomes more complex and time-consuming
Solution Approach 1:
The patent leverages the universal capabilities of modern mobile devices (keyboard input, internet connectivity, text-to-speech apps) to create a secure transmission method. The same device the user already uses for messaging and calls can also securely transmit sensitive information by typing, eliminating the need for specialized hardware while maintaining security.
Solution Approach 2:
The automated telephone system serves as a simplified intermediary that handles the complex processes of transcription, text processing, and audio generation. This mediator absorbs the system complexity, leaving the user with a simple interface (typing on their existing mobile device) while achieving secure transmission.
4Loss of time
If traditional voice call methods are used for sensitive information transmission, then the process is fast and direct, but the information is exposed to third-party eavesdroppers in public spaces
Solution Approach 1:
The automated telephone system acts as a time-efficient intermediary that rapidly converts typed input to speech and transmits it through the telephone network. This process maintains the speed advantage of voice communication while eliminating exposure to eavesdroppers, as the user never speaks the information aloud in public spaces.
Applied Scientific Principles
This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.
Function Achieved in This Case
Ensures secure and private transmission of sensitive information by preventing eavesdropping, reducing errors, and enhancing transaction security through automated and authenticated data sharing.
Implementation Method 1
apply a speech-recognition analyzer to identify the banking account information in the request
Implementation Method 2
generate speech data representing the banking account information requested, wherein the speech data is in an audible format
Data Source
Figure 1A
Figure 1B
Figure 2A
AI summary
Embodiments may generally be directed components and techniques to detect a request to provide banking account information over a one or more voice connections, identify the requested banking account information, and generate speech data representing the banking account information requested. In embodiments further include communicating the speech data to another device.