Voice-Based Transaction Authentication and Smart Contract Execution

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Solution Overview

Problem

Large organizations face challenges in efficiently, effectively, and securely managing information exchange between internal and external computer systems, particularly in the context of complex operations like financial transactions, leading to inefficiencies and potential errors.

Innovation Solution

A voice-based computing system that processes audio signals to authenticate and secure transactions using intelligent processing units, decomposes signals into triggers and transaction attributes, and activates smart contracts via a distributed ledger system, ensuring secure and uniform information exchange.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If manual processes are used to manage information exchange between internal and external computer systems, then flexibility and adaptability are maintained, but efficiency and error rates deteriorate

Engineering Contradiction:

Improvetransaction processing efficiencyVSAvoidtransaction accuracy

Core Design Contradiction:

ProductivityVSReliability

Solution Approach 1:

The system enables self-service through automated voice processing and smart contract execution. Audio recordings are automatically transcribed, transactions are extracted and validated without human intervention, and smart contracts autonomously execute and confirm transactions, eliminating manual processing errors while maintaining high efficiency

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

Manual mechanical processes are replaced with automated computational systems. The patent substitutes human-operated manual transaction processing with an automated system that uses audio signal processing, natural language processing, and smart contract technology to extract, validate, and execute transactions, thereby improving both efficiency and accuracy

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

2Productivity

If automated voice processing is implemented to extract transaction information, then processing speed and efficiency improve, but system complexity increases

Engineering Contradiction:

Improvetransaction processing speedVSAvoidsystem architecture complexity

Core Design Contradiction:

ProductivityVSDevice complexity

Solution Approach 1:

The system segments the complex automated processing into distinct functional modules: audio recording capture, audio transcription, transaction extraction, validation, and smart contract execution. This modular segmentation manages system complexity by organizing functions into separate, manageable components that can operate independently

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The patent introduces intermediary components such as the transcribed audio text that bridges raw audio signals and structured transaction data, and smart contracts that mediate between transaction requests and execution. These intermediaries simplify the overall system architecture by providing standardized interfaces between different processing stages

Inventive Principle:

Principle #24Intermediary (Mediator)

3Reliability

If voice-based authentication is used to verify participants, then security and uniformity improve, but processing time increases

Engineering Contradiction:

Improveauthentication securityVSAvoidverification time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system performs preliminary action by pre-processing and transcribing audio recordings into structured text format before authentication is needed. This preliminary transformation of raw audio into machine-readable text reduces the time required for actual authentication and verification processes, as the data is already prepared and structured

Inventive Principle:

Principle #10Preliminary action

Data Source

PatentUS12373836B2Voice-based apparatus for a distributed transaction computing system

Publication Date: 2025.07.29 BANK OF AMERICA CORP

AI summary

A voice and dialect matching computing device processes audio signals received from two sources to authenticate and secure information associated with creation of an electronic transaction. This voice based computing device automatically processes audio signals to identify participants based on voice information and/or dialect information. The voice based computing device compares a vocal signal and/or dialect information using an intelligent processing unit (e.g., an artificial intelligence/machine learning based model) and/or using historical information stored in a central dynamic data store. The processed audio signals are decomposed into at least two signals, where a first signal may be used as a trigger to activate processing of an electronic transaction by a smart contract hub computing device. The second signal includes attributes of the electronic transaction which may then be encrypted. These trigger signal initiates selection of a smart contract to process the electronic transaction and the second signal facilitates automatic execution of the transaction using the smart contract and via a distributed ledger computing system.