Digital voice signature of transactions

Abstract

A method that includes receiving, by a server, an access request sent to a network address of a resource server from a user using a user device, the access request comprising a unique record identifier is provided. The method includes placing a call to the user device, receiving from the user a voice response to a prompt associated with an implied security question for the user, comparing the voice response of the user with a selected voice biometrics record, converting the voice response into a speech-to-text phrase, and comparing the speech-to-text phrase against a stored secret text phrase to verify that the speech-to-text phrase matches an answer to the silent security question. A method for signing a transaction, including collecting a plurality of voice samples from a user during a transaction and concatenating the plurality of voice samples into a single sound file is also provided.

1 . A method for signing a transaction, comprising:
 collecting from a user during a transaction a plurality of voice samples comprising information elements;   concatenating the plurality of voice samples into a single sound file;   matching the single sound file with a text independent voice biometric record; and   computing a signature of the transaction, the signature comprising the information elements, the single sound file, and a result of the matching of the single sound file with the text independent voice biometric record.   
     
     
         2 . The method of  claim 1 , further comprising:
 converting each of the plurality of voice samples to a corresponding text file; and   forming a non-repudiation audit record of the transaction when the single sound file matches the text independent voice biometric record,   wherein forming the non-repudiation record comprises:
 incorporating a matching result from the matching the single sound file with a text independent voice biometric record to the non-repudiation record; 
 incorporating the concatenated single sound file and its component sound files to the non-repudiation record; and 
 incorporating each converted text file to the non-repudiation record. 
   
     
     
         3 . The method of  claim 1 , wherein the information elements comprise at least one of a payer account number, a transaction date, a receiving account number, and a statement of confirmation read by the user at the completion of the transaction. 
     
     
         4 . The method of  claim 1 , further comprising storing a text file converted from each of the plurality of voice samples as a record of the transaction. 
     
     
         5 . The method of  claim 1 , wherein the single sound file exceeds a predetermined length to authenticate the user. 
     
     
         6 . The method of  claim 1 , wherein a predetermined length of the single sound file is sufficient to reach a confidence level of certainty in user authentication greater than 99%. 
     
     
         7 . A system, comprising:
 a network interface circuit configured to couple with a user device through a network;   a memory configured to store data and commands, the stored data comprising a text independent voice biometric record of a user associated with the user device;   a processor configured to execute the commands and cause the system to:
 collect from the user during a transaction a plurality of voice samples comprising information elements; 
   concatenate the plurality of voice samples into a single sound file;   match the single sound file with the text independent voice biometric record; and   compute a signature of the transaction, the signature comprising the information elements, the single sound file, and a result of the matching of the single sound file with the text independent voice biometric record.   
     
     
         8 . The system of  claim 7 , wherein the processor is further configured to form a non-repudiation record, the non-repudiation record comprising:
 a matching result from the matching the single sound file with a text independent voice biometric record,   the concatenated single sound file and its component sound files,   and each converted text file.   
     
     
         9 . A non-transitory, computer readable medium storing instructions which when executed by a processor in a computer, cause the computer to perform a method comprising:
 collecting from a user during a transaction a plurality of voice samples comprising information elements;   concatenating the plurality of voice samples into a single sound file;   matching the single sound file with a text independent voice biometric record; and   computing a signature of the transaction, the signature comprising the information elements, the single sound file, and a result of the matching of the single sound file with the text independent voice biometric record.   
     
     
         10 . The non-transitory, computer readable medium of  claim 9 , wherein the computer further performs a step of forming a non-repudiation record, the non-repudiation record comprising:
 a matching result from the matching the single sound file with a text independent voice biometric record;   the concatenated single sound file and its component sound files; and   each converted text file.