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SG10201900178WA - Speech transaction processing - Google Patents

Speech transaction processing

Info

Publication number
SG10201900178WA
SG10201900178WA SG10201900178WA SG10201900178WA SG10201900178WA SG 10201900178W A SG10201900178W A SG 10201900178WA SG 10201900178W A SG10201900178W A SG 10201900178WA SG 10201900178W A SG10201900178W A SG 10201900178WA SG 10201900178W A SG10201900178W A SG 10201900178WA
Authority
SG
Singapore
Prior art keywords
transaction processing
user
speech
speech transaction
voice
Prior art date
Application number
SG10201900178WA
Inventor
John F Sheets
Kim R Wagner
Mark A Nelsen
Original Assignee
Visa Int Service Ass
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Visa Int Service Ass filed Critical Visa Int Service Ass
Publication of SG10201900178WA publication Critical patent/SG10201900178WA/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/70—Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer
    • G06F21/82—Protecting input, output or interconnection devices
    • G06F21/83—Protecting input, output or interconnection devices input devices, e.g. keyboards, mice or controllers thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G10—MUSICAL INSTRUMENTS; ACOUSTICS
    • G10L—SPEECH ANALYSIS TECHNIQUES OR SPEECH SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING TECHNIQUES; SPEECH OR AUDIO CODING OR DECODING
    • G10L17/00—Speaker identification or verification techniques
    • G10L17/22—Interactive procedures; Man-machine interfaces
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/2111—Location-sensitive, e.g. geographical location, GPS
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/2117—User registration
    • G—PHYSICS
    • G10—MUSICAL INSTRUMENTS; ACOUSTICS
    • G10L—SPEECH ANALYSIS TECHNIQUES OR SPEECH SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING TECHNIQUES; SPEECH OR AUDIO CODING OR DECODING
    • G10L17/00—Speaker identification or verification techniques
    • G10L17/06—Decision making techniques; Pattern matching strategies
    • G10L17/10—Multimodal systems, i.e. based on the integration of multiple recognition engines or fusion of expert systems

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Hardware Design (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Software Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Health & Medical Sciences (AREA)
  • Audiology, Speech & Language Pathology (AREA)
  • Human Computer Interaction (AREA)
  • Acoustics & Sound (AREA)
  • Multimedia (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)

Abstract

SPEECH TRANSACTION PROCESSING Embodiments of the invention are directed to systems and methods for speech transaction processing. A location of a device associated with a user may be determined. A reference to a voice model associated with the user stored within a database may be retrieved, based at least in part on the location. A voice segment may be received from the user. Using the reference, the voice segment may be compared to the voice model stored within the database. A determination may be made whether the user is authenticated for the transaction based on the comparing step. FIG. 5
SG10201900178WA 2013-06-17 2014-06-16 Speech transaction processing SG10201900178WA (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201361835992P 2013-06-17 2013-06-17
US14/304,681 US9754258B2 (en) 2013-06-17 2014-06-13 Speech transaction processing

Publications (1)

Publication Number Publication Date
SG10201900178WA true SG10201900178WA (en) 2019-02-27

Family

ID=52019979

Family Applications (2)

Application Number Title Priority Date Filing Date
SG11201510186RA SG11201510186RA (en) 2013-06-17 2014-06-16 Speech transaction processing
SG10201900178WA SG10201900178WA (en) 2013-06-17 2014-06-16 Speech transaction processing

Family Applications Before (1)

Application Number Title Priority Date Filing Date
SG11201510186RA SG11201510186RA (en) 2013-06-17 2014-06-16 Speech transaction processing

Country Status (8)

Country Link
US (4) US9754258B2 (en)
EP (2) EP3564887A1 (en)
KR (1) KR20160019924A (en)
CN (1) CN105324784B (en)
AU (1) AU2014281770B2 (en)
HK (1) HK1215614A1 (en)
SG (2) SG11201510186RA (en)
WO (1) WO2014204855A1 (en)

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Also Published As

Publication number Publication date
AU2014281770B2 (en) 2019-09-19
EP3011515A1 (en) 2016-04-27
CN105324784A (en) 2016-02-10
US20190050864A1 (en) 2019-02-14
US9754258B2 (en) 2017-09-05
CN105324784B (en) 2019-12-17
EP3011515A4 (en) 2016-07-27
HK1215614A1 (en) 2016-09-02
AU2014281770A1 (en) 2015-12-24
US10402827B2 (en) 2019-09-03
US20170270530A1 (en) 2017-09-21
EP3564887A1 (en) 2019-11-06
US20140372128A1 (en) 2014-12-18
US20190340620A1 (en) 2019-11-07
WO2014204855A1 (en) 2014-12-24
KR20160019924A (en) 2016-02-22
US10134039B2 (en) 2018-11-20
SG11201510186RA (en) 2016-01-28
EP3011515B1 (en) 2019-04-03

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