Systems and methods for facilitating network voice authentication
US11706213B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Nov 12, 2019 |
| Grant date | Jul 18, 2023 |
| Priority date | — |
| Expiry date | Jul 4, 2040 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04W12/67
- WIPO fieldDigital communication
- WIPO sectorElectrical engineering
Abstract
Systems and methods are provided for facilitating voice authentication of a user in connection with a network transaction. One exemplary method includes receiving an authentication request for a transaction, initiated at a voice interactive device, from a merchant plug-in (MPI) associated with a merchant involved in the transaction, where the authentication request includes a pre-authentication indicator based on voice authentication of a user by the voice interactive device or by a voice authentication service. The method also includes generating a risk score for the transaction based at least in part on the pre-authentication indicator, transmitting the risk score with the authentication request for the transaction to an access controller server (ACS) associated with an issuer of an account to which the transaction is directed, and returning a result response to the MPI where the result response indicates permission to proceed in the transaction based on authentication of the user.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.