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1. WO2020068279 - VOICE INTERFACE TRANSACTION SYSTEM USING AUDIO SIGNALS

Publication Number WO/2020/068279
Publication Date 02.04.2020
International Application No. PCT/US2019/045657
International Filing Date 08.08.2019
IPC
G06F 17/30 2006.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
FELECTRIC DIGITAL DATA PROCESSING
17Digital computing or data processing equipment or methods, specially adapted for specific functions
30Information retrieval; Database structures therefor
CPC
G06Q 20/209
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
20Point-of-sale [POS] network systems
209Specified transaction journal output feature, e.g. printed receipt or voice output
G06Q 20/401
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, 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
401Transaction verification
G10L 15/22
GPHYSICS
10MUSICAL INSTRUMENTS; ACOUSTICS
LSPEECH ANALYSIS OR SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING; SPEECH OR AUDIO CODING OR DECODING
15Speech recognition
22Procedures used during a speech recognition process, e.g. man-machine dialogue
G10L 2015/225
GPHYSICS
10MUSICAL INSTRUMENTS; ACOUSTICS
LSPEECH ANALYSIS OR SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING; SPEECH OR AUDIO CODING OR DECODING
15Speech recognition
22Procedures used during a speech recognition process, e.g. man-machine dialogue
225Feedback of the input speech
Applicants
  • AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. [US]/[US]
Inventors
  • CASTORO, Matthew, Joseph
  • LEI, Andrew
Agents
  • RIOJAS RAMIREZ, Mario
Priority Data
16/141,71125.09.2018US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) VOICE INTERFACE TRANSACTION SYSTEM USING AUDIO SIGNALS
(FR) SYSTÈME DE TRANSACTIONS À INTERFACE VOCALE UTILISANT DES SIGNAUX AUDIO
Abstract
(EN)
Systems and methods for voice-enabled transactions are disclosed. A merchant system may generate a transaction request comprising a transaction amount and a merchant identifier. The merchant system may invoke an audio signal generator to generate an audio transaction signal comprising the transaction request data. A voice assistant may play the audio transaction signal. The user initiating the transaction may use a mobile device to detect and ingest the audio transaction signal. In response to detecting and ingesting the audio transaction signal, the mobile device may interact with a payment network to authorize, process, and complete the transaction request. The payment network may transmit a transaction approval to the merchant system.
(FR)
L'invention concerne des systèmes et des procédés pour des transactions à activation vocale. Un système de commerçant peut générer une demande de transaction comportant un montant de transaction et un identifiant de commerçant. Le système de commerçant peut invoquer un générateur de signaux audio pour générer un signal de transaction audio comportant les données de demande de transaction. Un assistant vocal peut lire le signal de transaction audio. L'utilisateur qui lance la transaction peut utiliser un dispositif mobile pour détecter et acquérir le signal de transaction audio. En réaction à la détection et à l'acquisition du signal de transaction audio, le dispositif mobile peut interagir avec un réseau de paiement pour autoriser, traiter et accomplir la demande de transaction. Le réseau de paiement peut transmettre une approbation de transaction au système de commerçant.
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