Voice Biometric Authentication via Identity Provider Service
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Solution Overview
Problem
Current mobile payment solutions lack strong authentication methods, making them vulnerable to impersonation and data security breaches, and often require specialized hardware at both consumer and merchant ends, which hinders adoption due to cost and compatibility issues.
Innovation Solution
A biometric authentication system using voice samples for secure payment transactions, where consumers authenticate through an identity provider service, allowing access to centrally stored financial data without the need for special mobile devices or POS equipment, enabling secure and convenient payments at standard payment terminals.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If biometric authentication is implemented, then security is improved, but device complexity increases
Solution Approach 1:
The patent introduces an identity provider service as an intermediary that handles biometric authentication. The mobile device does not need built-in biometric sensors; instead, it communicates with the identity provider service via voice calls. The identity provider service captures and processes voice samples, performs biometric matching, and returns authentication results. This mediator approach maintains high security while keeping the mobile device and POS terminal simple and compatible with existing infrastructure.
2Reliability
If specialized hardware is required, then authentication capability is improved, but ease of operation deteriorates
Solution Approach 1:
The patent makes the biometric authentication system universal by using voice calls, a function already present in all mobile phones. The identity provider service can be accessed through standard telephony interfaces without requiring specialized hardware. POS terminals use conventional payment processing equipment, and the mobile device leverages its existing voice call capability. This multi-functionality approach allows widespread adoption without requiring consumers or merchants to invest in specialized hardware.
3Reliability
If voice biometric authentication is used, then security is improved, but loss of information increases
Solution Approach 1:
The patent extracts only the essential authentication information from voice samples. The identity provider service processes voice samples to generate biometric templates or authentication tokens, which are then used for verification. The actual voice samples are not stored or transmitted in their raw form; only the extracted biometric features or authentication results are retained. This extraction approach maintains strong authentication while minimizing information exposure and privacy risks.
Data Source
AI summary
A system and method is provided for authorizing a payment for a point of sale transaction by authenticating the user of a mobile device, such as a mobile phone. The present invention authenticates the consumer and verifies that he is authorized to conduct a transaction at the point of sale by means of the consumer's mobile device.