Voice Payment Authentication Using Local Voiceprint Verification

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Solution Overview

Problem

Existing voice control devices for ordering goods or services lack sufficient security measures, as they often require users to install additional applications and rely on shared login/password validation, which can be insecure and inconvenient.

Innovation Solution

A method for processing payment transactions using voice control devices that authenticates the user via voiceprint comparison, eliminating the need for a communication terminal by using ultrasound communication and secure voiceprint verification, ensuring that only authorized users can place orders.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If voice control devices use shared login/password validation through paired communication terminals, then payment transactions can be processed, but security is compromised and user data exposure increases

Engineering Contradiction:
ImprovesecurityVSAvoidsystem complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent extracts the authentication function from the communication terminal and relocates it to the voice control device itself. The voice control device now performs local voiceprint authentication using biometric data stored in its secure element, eliminating the need to rely on the paired communication terminal for validation. This extraction of the authentication function to the voice control device resolves the security vulnerability where shared login/password validation could be bypassed or intercepted.

Inventive Principle:
Principle #2Taking out (Extraction)

Solution Approach 2:

The patent introduces voiceprint biometric data as an intermediary authentication mechanism between the user and the payment system. Instead of directly using shared login/password credentials that are vulnerable to interception, the system uses voiceprint verification as an intermediate step that provides stronger security. The voiceprint serves as a unique biometric mediator that cannot be easily replicated or intercepted like traditional credentials.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Reliability

If users must install and configure specific applications on communication terminals for voice ordering, then transaction validation can be controlled, but user convenience deteriorates

Engineering Contradiction:
Improvetransaction validation controlVSAvoiduser convenience
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The patent implements self-service by enabling the voice control device to perform authentication and transaction validation independently without requiring user intervention on the communication terminal. The device uses locally stored voiceprint biometric data to automatically verify user identity and authorize transactions. This self-service capability eliminates the need for users to install, configure, or interact with additional applications on their communication terminals while maintaining secure transaction validation.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The patent performs preliminary authentication actions by storing voiceprint biometric data in the secure element of the voice control device during an initial setup phase. This preliminary action of pre-storing biometric authentication data enables the device to subsequently perform independent transaction validations without requiring real-time communication terminal involvement. The preliminary authentication setup resolves the contradiction by establishing security controls that do not require ongoing user interaction with external applications.

Inventive Principle:
Principle #10Preliminary action

3Reliability

If voice control devices authenticate users locally via voiceprint, then security is enhanced and terminal interactions are eliminated, but device complexity increases

Engineering Contradiction:
Improveuser authentication securityVSAvoidvoice control device complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent merges the authentication function with the voice control device by integrating voiceprint verification capabilities directly into the device's secure element. Instead of maintaining separate authentication systems in communication terminals, the patent combines biometric authentication and voice recognition functions within the voice control device itself. This merging eliminates the need for complex inter-device communication protocols and external authentication servers, thereby enhancing security while actually reducing overall system complexity.

Inventive Principle:
Principle #5Merging (Combining)

Solution Approach 2:

The patent makes the voice control device multi-functional by enabling it to perform both voice command processing and biometric authentication functions. The secure element in the voice control device serves multiple purposes: storing payment credentials, storing voiceprint biometric data, and performing cryptographic operations for authentication. This multi-functionality eliminates the need for separate dedicated authentication hardware or software, thereby enhancing security without proportionally increasing device complexity.

Inventive Principle:
Principle #6Universality (Multi-functionality)

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

Enhances security by authenticating users through voiceprint verification, reducing the risk of unauthorized transactions and eliminating the need for additional terminal interactions, while maintaining data confidentiality.

Implementation Method 1

the sound emitted by the electronic voice processing device is in the ultrasound range

Methodology Applied
Scientific EffectUltrasound: Ultrasound

Data Source

PatentEP3928272B1Method for processing a payment transaction, and corresponding device, system and programs
Publication Date: 2026.01.14 BANKS & ACQUIRERS INT HLDG SAS
  • EP3928272B1 patent drawingFigure 1~4
  • EP3928272B1 patent drawingFigure 2
  • EP3928272B1 patent drawingFigure 3

AI summary

The invention relates to a method for processing a product or service purchase order, which method is implemented within a voice-based electronic processing device comprising at least one component for capturing voice orders, called capturing component, and a sound broadcast component, called broadcast component. Such a method consists in: obtaining, using the capturing component, at least one item of data representative of a voice-based purchase order, said purchase order emanating from the voice of a user and relating to the purchase of at least one product or one service; authenticating at least one voiceprint representative of said user based on said at least one item of data representative of the purchase order; and if said at least one voiceprint representative of said user corresponds to a user authorized to make purchases using said voice-controlled electronic device, transmitting, to an electronic processing device to which said voice-controlled electronic device is connected, a request to obtain purchase authorization, said request comprising at least one item of data representative of the payment transaction.