Verbal Recognition Payment Authentication System
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Solution Overview
Problem
Current mobile transaction systems lack secure and interactive methods for authorizing purchasing transactions, particularly in verbal recognition-based systems, which can be vulnerable to fraud and do not effectively utilize verbal commands for authentication.
Innovation Solution
A computer-implemented method and system that uses a payment transaction service provider to authenticate verbal recognition information, including recordings of authorization phrases, to communicate payment credentials securely between user devices and merchants, incorporating voice recognition and biometric validation to ensure transaction authorization.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If verbal recognition is used for transaction authentication, then ease of operation is improved, but reliability deteriorates due to fraud vulnerability
Solution Approach 1:
The patent combines multiple authentication factors including verbal recognition, biometric data (fingerprint, facial recognition), and device security credentials into a unified authentication system. This multi-factor approach merges different verification methods to maintain ease of use while significantly improving reliability by making fraud more difficult.
Solution Approach 2:
The system introduces an intermediary authentication server that mediates between the user's verbal/biometric input and the transaction authorization. This intermediary verifies credentials, checks fraud indicators, and coordinates with merchants, thereby enhancing reliability without adding significant complexity to the user experience.
2Reliability
If biometric validation is implemented, then reliability is improved, but device complexity increases
Solution Approach 1:
The system leverages self-service capabilities built into modern mobile devices, such as onboard fingerprint sensors, facial recognition hardware, and secure enclaves for storing biometric data. By utilizing existing self-service biometric capabilities, the system improves reliability without requiring complex external validation infrastructure.
Solution Approach 2:
The patent replaces traditional mechanical authentication systems (physical signatures, handwritten verification) with electronic biometric validation. This substitution uses optical and electrical fields for fingerprint and facial recognition, improving reliability while reducing the need for complex physical verification infrastructure.
3Reliability
If secure tokenization is used for payment credentials, then reliability is improved, but ease of operation deteriorates due to additional authentication steps
Solution Approach 1:
The system performs preliminary authentication actions by verifying biometric and verbal credentials before the actual transaction occurs. Payment credentials are tokenized and pre-validated in advance, so that during the actual purchase, the process is streamlined. The heavy authentication burden is placed beforehand, making the actual transaction simpler and more convenient.
Solution Approach 2:
The system creates secure copies (tokens) of payment credentials that can be used in transactions without exposing the actual sensitive data. These tokenized copies enable automated verification and reduce the need for manual authentication steps during transactions, maintaining security while improving ease of operation.
Data Source
AI summary
Systems and methods for tokenizing financial information are provided, including embodiments relating to authorizing payment or sale transactions using verbal recognition of a customer or user. In some embodiments, a payment transaction service provider system may receive payment authorization information from a user device. The payment authorization information may include a recording. The payment authorization information may be authenticated based at least in part on the recording. A payment credential may be communicated in response to authenticating the payment authorization information.