Voice Authentication Workflow for Real-Time Payment Onboarding
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Solution Overview
Problem
Existing voice controlled computing devices face challenges in authenticating users securely and efficiently, limiting their suitability for tasks requiring user verification.
Innovation Solution
A voice controlled system that includes a data controller computing device for real-time user onboarding and data exchange, utilizing voice recognition and biometric authentication to verify user and merchant identities, enabling secure and efficient payment transactions through voice commands.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If voice controlled computing devices are used for user authentication, then ease of operation is improved, but reliability of authentication is worsened
Solution Approach 1:
The patent combines voice recognition technology with biometric authentication systems to create a multi-factor authentication approach. The voice controlled device merges acoustic signal processing with biological trait verification, allowing users to authenticate through voice commands while maintaining high reliability through biometric verification of vocal characteristics.
Solution Approach 2:
The system introduces a voice controlled computing device as an intermediary between the user and the authentication system. This intermediary processes voice commands and translates them into authenticated actions, maintaining both ease of operation through natural voice interaction and reliability through structured verification protocols.
2Reliability
If manual input methods are used for payment transactions, then authentication reliability is improved, but productivity is worsened
Solution Approach 1:
The patent replaces manual mechanical input methods (typing, clicking) with voice-based acoustic input. Users can initiate and complete payment transactions through spoken commands, eliminating the need for physical interaction with keyboards or touchscreens while maintaining transaction integrity through voice verification.
Solution Approach 2:
The system performs preliminary voice recognition and authentication verification before processing the actual transaction. By pre-verifying user identity through biometric voice analysis and pre-authorizing payment parameters through voice commands, the system enables rapid transaction completion without sacrificing security checks.
Data Source
AI summary
A voice controlled (VC) system for onboarding users and exchanging data in real-time over a network is provided. The VC system includes at least one data controller (DC) computing device in communication with at least one voice controlled (VC) computing device. The DC computing device is configured to receive transaction data and voice controlled (VC) data, parse the transaction data and the VC data, and perform a look up in a database using the parsed transaction data and VC data. The VC system is also configured to compare the transaction data and the VC data to stored data, and verify the transaction data and the VC data by matching the transaction data and the VC data to the stored data. The VC system is further configured to generate a message based on the matched data, and transmit the message to a merchant associated with the verified data.