Browse Prior Art Database

Methodology to use a Voice Pattern Recognition App on Mobile Phone for Security when Accessing an ATM

IP.com Disclosure Number: IPCOM000243722D
Publication Date: 2015-Oct-15
Document File: 3 page(s) / 45K

Publishing Venue

The IP.com Prior Art Database

Abstract

Disclosed is a system to provide banking customers with an option of installing an application on an associated mobile phone that uses voice pattern recognition for authentication instead of a personal identification number (PIN) when accessing an automated teller machine (ATM).

This text was extracted from a PDF file.
This is the abbreviated version, containing approximately 82% of the total text.

Page 01 of 3

Methodology to use a Voice Pattern Recognition App on Mobile Phone for Security when Accessing an ATM

Automated teller machines (ATMs) require a user to enter a personal identification number (PIN) in order to conduct transactions. A third party can obtain a user's PIN via observation (watching someone type it in) or duress (forcing someone to reveal it). Another issue is that the user can forget a PIN.

The novel solution is to provide banking customers with an option of installing an application on an associated mobile phone that uses voice pattern recognition for authentication instead of a PIN when accessing an ATM. The system uses an application on a mobile device, which has speech pattern biometrics to increase the convenience and security of an ATM transaction.

Figure: Process flow for using voice pattern recognition to execute a transaction at an ATM

1


Page 02 of 3

An additional security option is for the system to require the presence (and physical access to) the user's ATM card and the mobile phone, as well as any security (login) information required to access the phone. Combined with the voice pattern technology this is a major increase in security.

In an example use case, the mobile application has option of using speech recognition to obtain transaction details. For example, it authenticates and then determines that the user would like to withdraw $100 from the checking account.

The solution can eliminate the need for an ATM card by using proximity...