Voice Payment Handoff to Personal Devices for Shared Smart Assistants
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Solution Overview
Problem
Existing voice-activated smart assistant devices lack the ability to securely facilitate voice-based payments for multiple users in a shared environment without exposing sensitive payment information, limiting convenience and security for non-primary users.
Innovation Solution
A system that transfers payment transactions initiated on a public voice-activated device to a private user device, using voice recognition and directional awareness to identify the correct user device, and enables secure payment completion through an alternate user account or mode, with optional hardware activation for card information collection.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If credit card details are stored with the smart assistant cloud service for voice payments, then payment convenience is improved, but security and privacy are worsened because other family members can access and use the saved payment information
Solution Approach 1:
The patent extracts the payment authorization function from the cloud-based smart assistant and relocates it to the user's personal mobile device. The credit card details remain securely stored in the cloud, but the actual payment approval action is moved to the user's personal device where only the authorized user can approve transactions through biometric authentication or passcode.
Solution Approach 2:
The patent introduces a mobile device as an intermediary between the voice command and the payment processing. The mobile device receives the payment request from the smart assistant, authenticates the user, and then authorizes or denies the transaction. This intermediary layer prevents direct access to payment information while maintaining convenience.
2Productivity
If voice payments are enabled on public smart assistant devices, then transaction speed is improved, but accessibility for multiple users is worsened because only authenticated primary users can make payments
Solution Approach 1:
The patent makes the payment system universal by allowing multiple family members to use the smart assistant for voice payments, each with their own payment methods and authorization. The system accommodates different user types (primary users, secondary users, children) while maintaining security through device-specific authentication.
Solution Approach 2:
The patent segments the payment authorization process by device and user. Each family member's mobile device is associated with specific payment methods and has its own authentication credentials. This segmentation allows multiple users to independently initiate and approve payments without interfering with each other's security.
3Reliability
If banking details are not stored on smart assistant devices, then security is improved, but payment flexibility is worsened because users cannot easily switch between different payment methods
Solution Approach 1:
The patent adds a new dimension to payment method selection by implementing a multi-layered architecture. Payment methods are stored securely in the cloud, while the mobile device maintains a local cache of authorized payment methods for quick selection. This dimensional separation allows users to switch between payment methods flexibly without exposing sensitive data on the smart assistant device.
Data Source
AI summary
A payment transaction is initiated for a user, based on a voice command, on a public voice-activated device. A user device associated with the user is identified. A transaction identifier is generated and transmitted to the identified user device. Once the user has entered their banking or credit card information to use for payment, a payment token is received from the user device. The transaction is then completed using the payment token. The payment token may be generated from a local digital wallet on the user device, or from a server-based digital wallet.