Method for processing a payment transaction, and corresponding device, system and programs

Patent metadata

Field	Value
Publication number	US-12347437-B2
Application number	US-202017432711-A
Country	US
Kind code	B2
Filing date	Feb 20, 2020
Priority date	Feb 22, 2019
Publication date	Jul 1, 2025
Grant date	Jul 1, 2025

Abstract

A method for registering a user to a voice service. The method is implemented by an interface server and includes: obtaining, by using an electronic voice processing device including at least one component for capturing audio samples, at least one voice sample of the user; obtaining, from the at least one voice sample of the user, at least one information item for confirming consent of the user to the conditions for accessing the voice service; obtaining, from the voice sample, at least one information item associated with the user; and computing a reference voice print associated with the user.

First claim

The invention claimed is:

1. A method comprising:
creating an account of a user to a voice service, which is implemented by an interface server and comprises:
obtaining, via an electronic voice processing device comprising at least one component for capturing audio samples, at least one voice sample of said user;
processing said at least one voice sample of said user delivering at least one interpretable textual information item;
interpreting said at least one interpretable textual information item delivering at least one information item for validating a consent of said user to terms and conditions of use of said voice service, wherein said information item for validating the consent of said user to terms and conditions of use of said voice service is one or more phrase(s) representative of the terms and conditions of use of said voice service, or a phrase by which the user indicates that the user accepts the terms and conditions of use of said voice service, which is not a personal data item associated with the user, in order to determine whether the user's consent if obtained;
obtaining, from said at least one voice sample of said user, at least one personal data item associated with said user, which is distinct from the at least one information item for validating the consent of said user;
if said user's consent is determined as obtained,
computing, from said at least one voice sample of said user, a reference voice print associated with said user; and
delivering a registration of said user to said voice service implemented only in a voice manner from said at least one personal data item associated with said user, obtained from said at least one voice sample of said user; and

if said user's consent is determined as not obtained, erasing the voice sample.

2. The registration method according to claim 1 , wherein said at least one voice sample, from which said least one information item for validating the consent of said user is obtained, is associated with said user and saved as evidence of said consent of said user.

3. The registration method according to claim 1 , wherein the method comprises verifying reliability of said reference voice print with at least one second voice sample of said user.

4. An interface server comprising:
a processor; and
a non-transitory computer-readable medium comprising program code instructions stored thereon which when executed by the processor configure the interface server to create an account of a user to a voice service by:
obtaining, via an electronic voice processing device comprising at least one component for capturing audio samples, at least one voice sample of the user;
processing said at least one voice sample of said user delivering at least one interpretable textual information item;
interpreting said at least one interpretable textual information item delivering at least one information item for validating a consent of said user to terms and conditions of use of said voice service, wherein said information item for validating the consent of said user to terms and conditions of use of said voice service is one or more phrase(s) representative of the terms and conditions of use of said voice service, or a phrase by which the user indicates that the user accepts the terms and conditions of use of said voice service, which is not a personal data item associated with the user, in order to determine whether the user's consent if obtained;
obtaining, from said at least one voice sample of said user, at least one personal data item associated with said user, which is distinct from the at least one information item for validating the consent of said user;
if said user's consent is determined as obtained,
computing, from said at least one voice sample of said user, a reference voice print associated with said user; and
delivering a registration of said user to said voice service implemented only in a voice manner from said at least one personal data item associated with said user, obtained from said at least one voice sample of said user; and

if said user's consent is determined as not obtained, erasing the voice sample.

5. A non-transitory computer-readable medium comprising program code instructions stored thereon which when executed by a processor of an interface server configure the interface server to create an account of a user to a voice service by:
obtaining, via an electronic voice processing device comprising at least one component for capturing audio samples, at least one voice sample of a user;
processing said at least one voice sample of said user delivering at least one interpretable textual information item;
interpreting said at least one interpretable textual information item delivering at least one information item for validating a consent of said user to terms and conditions of use of said voice service, wherein said information item for validating the consent of said user to terms and conditions of use of said voice service is one or more phrase(s) representative of the terms and conditions of use of said voice service, or a phrase by which the user indicates that the user accepts the terms and conditions of use of said voice service, which is not a personal data item associated with the user, in order to determine whether the user's consent if obtained;
obtaining, from said at least one voice sample of said user, at least one personal data item associated with said user, which is distinct from the at least one information item for validating the consent of said user;
if said user's consent is determined as obtained,
computing, from said at least one voice sample of said user, a reference voice print associated with said user; and
delivering a registration of said user to said voice service implemented only in a voice manner from said at least one personal data item associated with said user, obtained from said at least one voice sample of said user; and

if said user's consent is determined as not obtained, erasing the voice sample.

Assignees

• Banks And Acquirers Int Holding

Inventors

• Dubreuil Arnaud
• D'Avout Quiterie
• Quentin Pierre

Classifications

• G10L17/14

  Use of phonemic categorisation or speech recognition prior to speaker recognition or verification · CPC title

• H04M3/42153

  by subscriber · CPC title

• G10L17/24

  the user being prompted to utter a password or a predefined phrase · CPC title

• G10L17/06

  Decision making techniques; Pattern matching strategies · CPC title

• G10L17/02

  Preprocessing operations, e.g. segment selection; Pattern representation or modelling, e.g. based on linear discriminant analysis [LDA] or principal components; Feature selection or extraction · CPC title