Voice Currency Token Payment System

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Solution Overview

Problem

Existing electronic payment systems are inaccessible to users unfamiliar with computer interfaces, those with physical disabilities, and visually impaired individuals, as they rely on graphical user interfaces, lacking security, authentication, anonymity, transferability, and independence from physical location.

Innovation Solution

A voice-generated currency token system that uses voice-based biometric authentication and encryption to create and manage secure, transferable, and anonymous electronic payments, independent of physical location, through a voice currency platform server that generates and processes voice currency tokens.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If graphical user interface based electronic payment systems are used, then security and authentication can be implemented, but accessibility for users with disabilities and unfamiliarity with computer interfaces deteriorates

Engineering Contradiction:

ImprovesecurityVSAvoidaccessibility

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The patent replaces the mechanical/visual interaction system (graphical user interfaces requiring sight and manual navigation) with a voice-based acoustic interaction system. Users can initiate payments, authenticate, and complete transactions through voice commands and voice-print biometric authentication, making the system accessible to visually impaired users and those unfamiliar with computer interfaces while maintaining security through voice biometrics.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

2Ease of operation

If voice-based interface is implemented, then accessibility and ease of operation improve, but security and authentication reliability may deteriorate

Engineering Contradiction:

ImproveaccessibilityVSAvoidsecurity

Core Design Contradiction:

Ease of operationVSReliability

Solution Approach 1:

The patent transforms the voice input from a simple command interface into a biometric authentication mechanism by analyzing unique voice-print characteristics (frequency, timbre, pitch patterns). This parameter transformation converts an easily usable voice interface into a secure authentication system, allowing the same voice input to serve both accessibility and security requirements simultaneously.

Inventive Principle:

Principle #35Parameter changes

3Reliability

If traditional electronic payment systems are used, then transaction security can be maintained, but anonymity and independence from physical location deteriorate

Engineering Contradiction:

ImprovesecurityVSAvoidanonymity

Core Design Contradiction:

ReliabilityVSAdaptability or versatility

Solution Approach 1:

The patent segments the authentication process into two independent components: voice-print biometric verification (proving identity) and transaction execution (transfer of funds). This segmentation allows the system to verify the user's identity securely while maintaining anonymity in the transaction record, as the voice authentication does not require disclosure of personal identifying information beyond the biometric verification.

Inventive Principle:

Principle #1Segmentation

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

Provides a secure, accessible, and user-friendly electronic payment system that ensures authentication, anonymity, and location independence, enabling easy transactions for all users, including those with disabilities and those without access to graphical interfaces.

Implementation Method 1

performing a first voice based biometric authentication by matching the voice data received from the payor terminal device against one or more voice based biometric templates associated with the payor voice currency platform account

Methodology Applied

Scientific EffectVoice-based biometric authentication:

Implementation Method 2

performing speech analysis to extract at least the currency amount identified within the voice data received from the payor terminal device

Methodology Applied

Scientific EffectSpeech analysis:

Implementation Method 3

generating an encrypted voice currency token, wherein the encrypted voice currency token is generated by encrypting the voice currency token data record

Methodology Applied

Scientific EffectEncryption:

Data Source

PatentUS11176543B2Voice currency token based electronic payment transactions

Publication Date: 2021.11.16 MASTERCARD INT INC

AI summary

The invention provides systems, methods and computer program products for secure electronic payment transactions based on voice generated currency tokens. The invention comprises implementing at a voice currency platform server, the steps of (i) receiving from a payor terminal device a request for generation of a voice currency token, (ii) performing voice based biometric authentication by matching the voice data received from the payor terminal device against one or more voice based biometric templates associated with the payor voice currency platform account, (iii) performing speech analysis to extract at least the currency amount identified within the voice data received from the payor terminal device and (iv) generating an encrypted voice currency token.