Voice phone-based method and system to authenticate users
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:
playing, through an audio output device of a communication device, a non-verbal sound during a call by a user from the communication device, wherein the non-verbal sound is selected based on information about the user;
comparing, using a voice recognition process of an interactive voice response system, a vocal response, received from the user using the communication device in response to the non-verbal sound, to a stored vocal response corresponding to the non-verbal sound;
authenticating the user when the vocal response from the user matches the stored vocal response;
in response to authenticating the user, receiving an identifier associated with a transaction from the user that is input through the communication device during the call; and
processing the transaction based on the identifier.
2. The method of claim 1 , wherein the identifier corresponds to a purchase from a merchant.
3. The method of claim 1 , wherein the identifier corresponds to a recipient of funds from the user.
4. The method of claim 1 , wherein the identifier corresponds to a sender of funds to the user.
5. The method of claim 1 , wherein the user is a merchant.
6. The method of claim 1 , further comprising receiving a security identifier prior to the playing.
7. The method of claim 1 , wherein the non-verbal sound is randomly selected from a plurality of non-verbal sounds associated with the user for the interactive voice response system, and wherein each of the plurality of non-verbal sounds are associated with one of a plurality of vocal responses set by the user for the each of the plurality of non-verbal sounds.
8. 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.
9. The method of claim 8 , wherein the numerical code is generated from a security keyfob device.
10. The method of claim 1 , wherein transaction comprises one of:
performing a balance inquiry;
paying for purchases;
conducting a money transfer; or
receiving money.
11. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
playing, through an audio output device of a communication device, a non-verbal sound during a call by a user from communication device, wherein the non-verbal sound is selected based on information about the user;
comparing, using a voice recognition process of an interactive voice response system, a vocal response, received from the user using the communication device in response to the non-verbal sound, to a stored vocal response corresponding to the non-verbal sound;
authenticating the user when the vocal response from the user matches the stored vocal response;
in response to authenticating the user, receiving an identifier associated with a transaction from the user that is input through the communication device during the call; and
processing the transaction based on the identifier.
12. The non-transitory machine-readable medium of claim 11 , wherein the identifier corresponds to a purchase from a merchant.
13. The non-transitory machine-readable medium of claim 11 , wherein the identifier corresponds to a recipient of funds from the user.
14. The non-transitory machine-readable medium of claim 11 , wherein the identifier corresponds to a sender of funds to the user.
15. The non-transitory machine-readable medium of claim 11 , wherein the user is a merchant.
16. The non-transitory machine-readable medium of claim 11 , wherein the operations further comprise:
receiving a security identifier prior to the playing.
17. The non-transitory machine-readable medium of claim 11 , wherein the non-verbal sound is randomly selected from a plurality of non-verbal sounds associated with the user for the interactive voice response system, and wherein each of the plurality of non-verbal sounds are associated with one of a plurality of vocal responses set by the user for the each of the plurality of non-verbal sounds.
18. The non-transitory machine-readable medium of claim 11 , wherein the non-verbal sound is based on a phone number which the user calls from and a numerical code.
19. The non-transitory machine-readable medium of claim 11 , wherein the numerical code is generated from a security keyfob device.
20. The non-transitory computer readable medium of claim 11 , wherein transaction comprises one of:
performing a balance inquiry;
paying for purchases;
conducting a money transfer; or
receiving money.