Voice phone-based method and system to authenticate users
View Patent ↗Provided is a method and a telephone-based system with voice-verification capabilities that enable a user to safely and securely conduct transactions with his or her online financial transaction program account over the phone in a convenient and user-friendly fashion, without having to depend on an internet connection.
1. A method comprising:
outputting a non-verbal sound from a user device when a user calls a phone number, wherein the non-verbal sound is based on the user;
receiving a vocal response from the user through the user device in response to the non-verbal sound;
outputting an error message from the user device when the vocal response from the user does not match a stored vocal response corresponding to the non-verbal sound; and
outputting a message from the user device indicating user authentication when the vocal response from the user matches the stored vocal response.
2. The method of claim 1 , wherein the non-verbal sound is randomly selected from a plurality of non-verbal sounds associated with the user.
3. The method of claim 1 , wherein the non-verbal sound is based on a phone number which the user calls from and a numerical code.
4. The method of claim 1 , wherein the message comprises access to a user account.
5. The method of claim 3 , wherein the phone number which the user calls from is provided by the user in response to a query.
6. The method of claim 3 , wherein the numerical code is generated from a security keyfob device.
7. The method of claim 3 , wherein the non-verbal sound is outputted only if the phone number and numerical code correspond to the user.
8. The method of claim 1 , wherein the message the user a menu to select from a plurality of service options.
9. The method of claim 8 , wherein the plurality of service options comprises:
enabling a user to perform a balance inquiry;
enabling a user to pay for purchases;
enabling a user to conduct a money transfer;
enabling a user to receive money; or
enabling a user to exit and disconnect the call.
10. A non-transitory computer readable medium comprising a plurality of machine-readable instructions which when executed by one or more processors are adapted to perform a method comprising:
outputting a non-verbal sound from a user device when a user calls a phone number, wherein the non-verbal sound is based on the user;
receiving a vocal response from the user through the user device in response to the non-verbal sound;
outputting an error message from the user device when the vocal response from the user does not match a stored vocal response corresponding to the non-verbal sound; and
outputting a message from the user device indicating user authentication when the vocal response from the user matches the stored vocal response.
11. The non-transitory computer readable medium of claim 10 , wherein the non-verbal sound is randomly selected from a plurality of non-verbal sounds associated with the user.
12. The non-transitory computer readable medium of claim 10 , wherein the non-verbal sound is based on a phone number which the user calls from and a numerical code.
13. The non-transitory computer readable medium of claim 10 , wherein the message comprises access to a user account.
14. The non-transitory computer readable medium of claim 12 , wherein the phone number which the user calls from is provided by the user in response to a query.
15. The non-transitory computer readable medium of claim 12 , wherein the numerical code is generated from a security keyfob device.
16. The non-transitory computer readable medium of claim 12 , wherein the non-verbal sound is outputted only if the phone number and numerical code correspond to the user.
17. The non-transitory computer readable medium of claim 10 , wherein the message the user a menu to select from a plurality of service options.
18. The non-transitory computer readable medium of claim 17 , wherein the plurality of service options comprises:
enabling a user to perform a balance inquiry;
enabling a user to pay for purchases;
enabling a user to conduct a money transfer;
enabling a user to receive money; or
enabling a user to exit and disconnect the call.
19. A system comprising:
a memory storing information about a user account, wherein the information comprises a non-verbal sound associated with a user of the user account; and
one or more hardware processors in communication with the memory and configured to perform:
receiving a call from a user through a user device, wherein the call includes information about the user;
determining a non-verbal sound based on the information;
causing the non-verbal sound to be output from the user device;
receiving a vocal response from the user through the user device in response to the non-verbal sound;
causing an error message to be output from the user device when the vocal response from the user does not match a stored vocal response corresponding to the non-verbal sound; and
causing a message to be output from the user device indicating user authentication when the vocal response from the user matches the stored vocal response.
20. The system of claim 19 , wherein the information comprises a phone number associated with an account of the user.