Browse Prior Art Database

VoicePrint Security for Credit Cards

IP.com Disclosure Number: IPCOM000111325D
Original Publication Date: 1994-Feb-01
Included in the Prior Art Database: 2005-Mar-26
Document File: 2 page(s) / 43K

Publishing Venue

IBM

Related People

Edwards, MJ: AUTHOR

Abstract

Disclosed is the use of a recorded print of the voice of a credit card holder on the card for comparison by the issuing machine as a sole security identity (ID) check or in conjunction with ID data on the card. The technique is specific, accurate, simple to use and, after conversion, compatible with existing hardware and cards.

This text was extracted from an ASCII text file.
This is the abbreviated version, containing approximately 69% of the total text.

VoicePrint Security for Credit Cards

      Disclosed is the use of a recorded print of the voice of a
credit card holder on the card for comparison by the issuing machine
as a sole security identity (ID) check or in conjunction with ID data
on the card.  The technique is specific, accurate, simple to use and,
after conversion, compatible with existing hardware and cards.

      A major problem for the Financial Service industries worldwide
is the security of Credit Cards.  Fraud from credit cards is a high
level loss.  The solution proposed is to apply an existing technology
from the area of Voice Processing to the Credit Card.

      VoicePrinting is a technique where the sound of a particular
person speaking a pre-defined word (or set of words) can be compared
with a recording taken previously in order to verify that the person
doing the talking is indeed who he or she claims to be.  This is
coming into use in the area of Computer Telephony as a technique to
guarantee security of services accessed via the telephone.  A
VoicePrinting technique provides a highly accurate method of
verifying a person's identity.  The technique proposed is to place a
copy of the VoicePrint data onto the Credit Card.  This can be in an
encrypted form to prevent forgery.  Then, when someone wants to use
the credit card, the data is read from the card by a "magnetic
reader", as used today for the basic account data.  The person is
then invited to speak into a microphone atta...