Processing

Please wait...

Settings

Settings

Goto Application

1. WO2020112865 - AUDIBLE AUTHENTICATION

Publication Number WO/2020/112865
Publication Date 04.06.2020
International Application No. PCT/US2019/063391
International Filing Date 26.11.2019
IPC
G06F 21/32 2013.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
30Authentication, i.e. establishing the identity or authorisation of security principals
31User authentication
32using biometric data, e.g. fingerprints, iris scans or voiceprints
H04L 9/32 2006.01
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
9Arrangements for secret or secure communication
32including means for verifying the identity or authority of a user of the system
G06F 21/60 2013.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
60Protecting data
G10L 17/22 2013.01
GPHYSICS
10MUSICAL INSTRUMENTS; ACOUSTICS
LSPEECH ANALYSIS OR SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING; SPEECH OR AUDIO CODING OR DECODING
17Speaker identification or verification
22Interactive procedures; Man-machine interfaces
CPC
G06Q 20/40145
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
4014Identity check for transaction
40145Biometric identity checks
G10L 15/06
GPHYSICS
10MUSICAL INSTRUMENTS; ACOUSTICS
LSPEECH ANALYSIS OR SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING; SPEECH OR AUDIO CODING OR DECODING
15Speech recognition
06Creation of reference templates; Training of speech recognition systems, e.g. adaptation to the characteristics of the speaker's voice
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 17/005
GPHYSICS
10MUSICAL INSTRUMENTS; ACOUSTICS
LSPEECH ANALYSIS OR SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING; SPEECH OR AUDIO CODING OR DECODING
17Speaker identification or verification
005Speaker recognisers specially adapted for particular applications
G10L 17/04
GPHYSICS
10MUSICAL INSTRUMENTS; ACOUSTICS
LSPEECH ANALYSIS OR SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING; SPEECH OR AUDIO CODING OR DECODING
17Speaker identification or verification
04Training, enrolment or model building
G10L 17/08
GPHYSICS
10MUSICAL INSTRUMENTS; ACOUSTICS
LSPEECH ANALYSIS OR SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING; SPEECH OR AUDIO CODING OR DECODING
17Speaker identification or verification
06Decision making techniques; Pattern matching strategies
08Use of distortion metrics or a particular distance between probe pattern and reference templates
Applicants
  • VISA INTERNATIONAL SERVICE ASSOCIATION [US]/[US]
Inventors
  • MANCHIREDDY, Archana Reddy
  • AMAR, Sumit
  • FLANAGAN, Patrick Ryan
  • BHAGAVATHULA, Srinivas
  • MORGAN, Miranda
  • LAZER, Meryl
Agents
  • JEWIK, Patrick
  • BELL, Vanessa
  • TSE, Michael
Priority Data
16/203,18628.11.2018US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) AUDIBLE AUTHENTICATION
(FR) AUTHENTIFICATION AUDIBLE
Abstract
(EN)
A method is disclosed. A digital assistant device receives a biometric sample from a user and then converts the biometric sample to a biometric template. The digital assistant device can scan for user devices in communication range of the digital assistant device, thereby receiving user device identifiers. The digital assistant device can transmit, to a server computer, an authentication request comprising the biometric template and at least one user device identifier. The digital assistant device can then receive a cryptogram request message comprising the at least one user device identifier, from the server computer. The digital assistant device can transmit, to a user device corresponding to the at least one user device identifier, the cryptogram request message and can then receive a cryptogram. The digital assistant device can then transmit the cryptogram to the server computer. The server computer verifies the cryptogram before further processing of a transaction.
(FR)
La présente invention concerne un procédé. Un dispositif d'assistant numérique reçoit un échantillon biométrique d'un utilisateur et convertit ensuite l'échantillon biométrique en un modèle biométrique. Le dispositif d'assistant numérique peut effectuer un balayage pour des dispositifs utilisateurs dans une plage de communication du dispositif d'assistant numérique, ce qui permet de recevoir des identifiants de dispositifs utilisateurs. Le dispositif d'assistant numérique peut transmettre, à un ordinateur serveur, une demande d'authentification comprenant le modèle biométrique et au moins un identifiant de dispositif utilisateur. Le dispositif d'assistant numérique peut ensuite recevoir, de l'ordinateur serveur, un message de demande de cryptogramme comprenant ledit au moins un identifiant de dispositif utilisateur. Le dispositif d'assistant numérique peut transmettre, à un dispositif utilisateur correspondant audit au moins un identifiant de dispositif utilisateur, le message de demande de cryptogramme et peut ensuite recevoir un cryptogramme. Le dispositif d'assistant numérique peut ensuite transmettre le cryptogramme à l'ordinateur serveur. L'ordinateur serveur vérifie le cryptogramme avant le traitement ultérieur d'une transaction.
Also published as
Latest bibliographic data on file with the International Bureau