Voice-Command Money Transfer With Recipient Confirmation
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Solution Overview
Problem
Existing digital payment platforms do not allow for convenient money transfer using voice or gesture commands, limiting the usability and accessibility of services like Zelle®.
Innovation Solution
A system and method that enables money transfer through voice commands using Siri or Google Assistant, integrating with the Zelle® application to authenticate users, search for recipients, and confirm transactions on a mobile device.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If digital payment platforms use traditional manual operation interfaces, then transaction security and control are maintained, but user convenience and accessibility are limited
Solution Approach 1:
The patent replaces manual mechanical operations (typing, clicking) with voice-based acoustic commands. Users speak natural language instructions like 'send money to [recipient]' instead of manually navigating interfaces, thereby improving ease of operation while maintaining security through confirmation protocols.
Solution Approach 2:
The system integrates multiple functions into a unified voice command interface that can identify recipients, determine transfer amounts, initiate transactions, and handle confirmations all through speech. This multi-functional approach simplifies the user experience while maintaining comprehensive control capabilities.
2Adaptability or versatility
If digital payment platforms add voice command functionality, then user accessibility and convenience are improved, but system complexity and security verification requirements increase
Solution Approach 1:
The patent segments the money transfer process into distinct voice-activated stages: recipient identification, amount specification, transaction initiation, and confirmation. Each stage is handled through specific voice commands, making the complex process more accessible while maintaining security through staged verification.
Solution Approach 2:
The system introduces an intermediary confirmation mechanism where voice commands are processed but require additional verification (such as passcode entry or biometric authentication) before executing money transfers. This intermediary step manages system complexity by separating command recognition from execution.
3Productivity
If digital payment platforms implement voice command processing, then transaction speed and efficiency are improved, but authentication and verification time may increase
Solution Approach 1:
The patent implements preliminary voice-based recipient identification and amount specification before the actual transfer. The system pre-processes these details through voice commands, so when confirmation is needed, the user only needs to verify the pre-filled information rather than entering everything manually, thus maintaining speed while ensuring accuracy.
Solution Approach 2:
The system uses voice recognition to automatically identify recipients from contact lists and extract transfer amounts from natural language commands. This self-service capability reduces manual input time while maintaining security through automated verification of the extracted information against user profiles and account balances.
Data Source
AI summary
A method for digitally sending money to a person using a mobile device and voice commands. The method processes a voice command from a user through a voice command application to send an amount of money to a person, verifies that the user is authorized to send money to people using a digital money transfer application, searches for and identifies the person in a phone contacts list and/or an added recipients list in the digital money transfer application and/or other databases if the user is authorized to send money to people using the digital money transfer application, asks the user using the voice command application to confirm the identified person and the amount of money to send, and digitally sends the money to the identified person using the digital money transfer application if the user confirms the identified person and the amount of money to send.