Voice recognition to authenticate a mobile payment
Systems and methods are provided for authenticating mobile payments from a customer account to a merchant. The systems and methods may include a financial service provider receiving a request to authorize an electronic transaction at a point-of-sale. A financial service provider server computer may verify that the customer is present at the point-of-sale using received location data. An image having distorted text such as a captcha may be transmitted to a device at the point-of-sale, and the customer may read the captcha aloud. A voice sample of the customer may be sent to the financial service provider for comparison to stored voice recordings, to verify that the customer's voice sample is authentic if the voice matches a previously generated voice recording for the account. If the voice sample is authentic, the financial service provider may authorize the mobile payment.
1. A system for authenticating an electronic payment at a point-of-sale location, comprising:
a storage device configured to store instructions; and
a processor configured to execute the stored instructions to cause the processor to:
receive a request to conduct an electronic payment using an electronic payment application executed on a mobile device in communication with a terminal at the point-of-sale location;
transmit a CAPTCHA image to the mobile device or the terminal at the point-of-sale location;
receive a voice sample recorded at the point-of-sale location in response to the CAPTCHA image;
receive time-stamped location data from the mobile device indicating a location of the mobile device and a time when the location data was generated;
determine the received voice sample matches at least a predetermined portion of a solution to the CAPTCHA image;
determine the voice sample is authentic by comparing the received voice sample to a reference recording without regard to spoken content of the received voice sample, wherein the voice sample is determined to be authentic when a speaker in the voice sample is determined to be the speaker in the reference recording;
determine the mobile device is at the point of sale location by comparing the location data to a location of the point of sale location and by comparing the time when the location data was generated to a time the voice sample was received, and
authorize the electronic payment, based on the determination that the voice sample is authentic, the determination that the received voice sample matches at least the predetermined portion of the solution to the CAPTCHA image, and the determination that the mobile device is at the point of sale location, by transmitting authorization information to the mobile device or the terminal at the point-of-sale location.
2. The system of claim 1 , wherein the request to conduct an electronic payment is received from the mobile device or the terminal at the point-of-sale location.
3. The system of claim 1 , wherein the processor is further configured to execute the stored instructions to:
determine a location of the point-of-sale location; and
determine whether the mobile device is located at the point-of-sale location when the request to conduct an electronic payment is received.
4. The system of claim 1 , wherein the processor is included in a server operated by a financial service provider.
5. The system of claim 1 , wherein the voice sample includes spoken characters corresponding to characters from the CAPTCHA image.
6. The system of claim 1 , wherein the voice sample includes a spoken description of the CAPTCHA image.
7. The system of claim 1 , wherein the voice sample is recorded using the mobile device.
8. A computer-implemented method for authenticating an electronic payment at a point-of-sale location, comprising:
receiving, by one or more processors, a request to conduct an electronic payment using an electronic payment application executed on a mobile device in communication with a terminal at the point-of-sale location;
transmitting, by the one or more processors, a CAPTCHA image to the mobile device or the terminal at the point-of-sale location;
receiving, by the one or more processors, a voice sample recorded at the point-of-sale location in response to the CAPTCHA image;
receive time-stamped location data from the mobile device indicating a location of the mobile device and a time when the location data was generated;
determining whether the received voice sample matches at least a predetermined portion of a solution to the CAPTCHA image;
determining whether the voice sample is authentic by comparing the received voice sample to a reference recording without regard to spoken content of the received voice sample, wherein the voice sample is determined to be authentic when a speaker in the voice sample is determined to be the speaker in the reference recording;
determining whether the mobile device is at the point of sale location by comparing the location data to a location of the point of sale location and by comparing the time when the location data was generated to a time the voice sample was received,
authorizing, by the one or more processors, the electronic payment based on the determination that the voice sample is authentic, the determination that the received voice sample matches at least the predetermined portion of the solution to the CAPTCHA image, and the determination that the mobile device is at the point of sale location, by transmitting authorization information to the mobile device or terminal at the point-of-sale location.
9. The method of claim 8 , wherein the request to conduct an electronic payment is received from the mobile device or the terminal at the point-of-sale location.
10. The method of claim 8 , further comprising:
determining a location of the point-of-sale location; and
determining, by the one or more processors, whether the mobile device is located at the point-of-sale location when the request to conduct an electronic payment is received.
11. The method of claim 8 , wherein the one or more processors are included in a server operated by a financial service provider.
12. The method of claim 8 , wherein the voice sample includes spoken characters corresponding to characters from the CAPTCHA image.
13. The method of claim 8 , wherein the voice sample includes a spoken description of the CAPTCHA image.
14. The method of claim 12 , wherein the voice sample is recorded using the mobile device.
15. A non-transitory computer-readable medium having stored instructions, which when executed, cause one or more processors to perform a mobile payment authentication method of:
receiving a request to conduct an electronic payment using an electronic payment application executed on a mobile device in communication with a terminal at a point-of-sale location;
transmitting a CAPTCHA image to the mobile device or the terminal at the point-of-sale location;
receiving a voice sample recorded at the point-of-sale location in response to the CAPTCHA image;
receiving time-stamped location data from the mobile device indicating a location of the mobile device and a time when the location data was generated;
determining that the received voice sample matches at least a predetermined portion of a solution to the CAPTCHA image;
determining whether the voice sample is authentic by comparing the received voice sample to a reference recording without regard to spoken content of the received voice sample, wherein the voice sample is determined to be authentic when a speaker in the voice sample is determined to be the speaker in the reference recording;
determining whether the mobile device is at the point of sale location by comparing the location data to a location of the point of sale location and by comparing the time when the location data was generated to a time the voice sample was received,
authorizing the electronic payment, based on the determination that the voice sample is authentic, the determination that the received voice sample matches at least the predetermined portion of the solution to the CAPTCHA image, and the determination that the mobile device is at the point of sale location, by transmitting authorization information to the mobile device or terminal at the point-of-sale location.
16. The non-transitory computer-readable medium of claim 15 , wherein the request to conduct an electronic payment is received from the mobile device or the terminal at the point-of-sale location.
17. The non-transitory computer-readable medium of claim 15 , wherein the instructions further comprise:
determining a location of the point-of-sale location; and
determining, by the one or more processors, whether the mobile device is located at the point-of-sale location when the request to conduct an electronic payment is received.
18. The non-transitory computer-readable medium of claim 15 , wherein the one or more processors are included in a server operated by a financial service provider.
19. The non-transitory computer-readable medium of claim 15 , wherein the voice sample includes spoken characters corresponding to characters from the CAPTCHA image.
20. The non-transitory computer-readable medium of claim 15 , wherein the voice sample includes a spoken description of the CAPTCHA image.
21. The system of claim 1 , wherein comparing the received voice sample to the reference recording comprises a waveform comparison voice recognition method.