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FORM 2
THE PATENTS ACT, 1970
(39 of 1970)
& The Patent Rules, 2003
COMPLETE SPECIFICATION
1. TITLE OF THE INVENTION:
A SECURITY SYSTEM FOR AN IVRS BASED PAYMENT DEVICE
2. APPLICANT:
Name: Trident Analytical Solutions Pvt. Ltd.
Nationality: India
Address: 117/395 O Block Geeta Nagar, Kanpur 208025, India.
3. PREAMBLE TO THE DESCRIPTION:
The following specification particularly describes the invention and the manner
in which it is to be performed:
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FIELD OF THE INVENTION:
The present invention generally relates to a security and verification system for
reducing fraud transactions and maximizing security practices to secure data
and funds transactions and, more specifically, to a verification system by
regulated voice recognition along with other support systems.
BACKGROUND OF THE INVENTION
Existing security systems involve voice biometrics as a security means ensuring
secure transactions as can be seen from Voice Pay (http://www.voice-pay.com/)
and Voice Trust (http://www.voicetrust.de/en/mobile-payments.html), voice ,
Mobile Pin technology to secure payment transactions as used by Airtel Money
(http://airtelmoney.in/home) ,IVRS used in the Paymate system(http://paymate
.co.in/) , Mobile Money service (http://www.mobilemoneyservices.co.in/), Xpay
(http://www.xpayindia.com/) and other SMS based systems.
Voice authentication systems have been previously deployed – Patent No. US
8014496,Systems and methods for providing network-based voice
authentication enables voice authentication via a network.
SMS and IVRS based interface have also been previously disclosed-US
20110320347, Mobile Networked Payment System which provides for a mobile
payment platform and service provides a fast, easy way to make payments by
users of mobile devices using non mobile channels such as e-mail, instant
messenger, and Web.
Voice biometrics has also been known earlier – US 7814332, Voiceprint
biometrics on a payment device disclosing a system and method for biometric
security using hand geometry recognition biometrics in a transponder-reader
system.
However, these systems are not full proof and thereby face a problem of voice
trapping, which can further be used for false transactions making it
disadvantageous and unsafe for users. The SMS based system is inconvenient for
the users, since it is based on specific formats. Voice biometrics alone has also
not been able to achieve an optimum level of secure transactions.
In light of the above, a tightly regulated security and verification system is
provided which addresses the limitations of the prior art.
SUMMARY OF THE INVENTION
An objective of the present invention is to provide 95% voice matching, a
decentralized server system, removal of plastic with a Caller pay account, having
a call center for local support. The present invention allows a mode of paperless
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registrations and financial transactions without any network or phone
boundation. The service extends to provide for local call centers on a global
platform. The present system provides for an onsite registration process with
GPS mapping via smart phone and is equipped with features of voice recognition,
liveliness test and GPS verification process.
To achieve the above-mentioned objectives, the present invention provides three
security and verification system which includes a speaker recognition, a
liveliness test and a Mobile Pin. Speaker verification works by comparing the
voice responses with speaker responses through various filters and ultimately
only those transactions are approved, which are initiated by the real user. Caller
Pay assures the liveliness test throughout bound calls for making payments and
coupled with a Global Positioning System tracing feature to track from where the
transactions are being made. Mobile Pin and Interactive voice response system
strengthen the security and verification system further. Paperless registration
involves an onsite registration process, which involves verification of payment
transaction by transferring data to cloud. Cloud has been used for storing data in
the process of carrying out payment transactions in the present invention. Also
an advantage of the present system is that there is greater control than Credit
Card Model and there is no minimum limit for the transactions
In an embodiment of the present invention, the security system for an IVRS
based payment device comprises a means for voice recognition, an arrangement
for conducting liveliness test, a means for onsite registration process with a
tracking feature.
According to an embodiment of the present invention, the means for voice
recognition involves speaker verification over telephone and wherein speaker
verification includes extraction of speech of an user and matching the pattern of
speech by two models comprising a users model created at the time of
registration of user and a claimant’s model. The matching of pattern with the two
models includes deciding of accepting or rejecting the payment transaction
executed by the user by assigning a score and comparing the score with a
threshold limit assigned by the model.
According to an embodiment of the present invention, the onsite registration
process involves verification of payment transaction by transferring data to
cloud after and verifying user through pin code verification, global positioning
system verification, speaker recognition, call response and liveliness test. In
addition, cloud checks the integrity of data selected from a group comprising
account balance check, daily transaction limits, account limitations, debit or
credit card limits and past transactions.
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BRIEF DESCRIPTION OF THE DRAWINGS:
Various embodiments of the present invention shall be described in conjunction
with the accompanying drawings, wherein the drawings illustrate various
embodiments and does not limit the invention. Such description makes reference
to the annexed drawings, wherein:
FIG. 1 is an exemplary cyclic block diagram, concordant with the present
invention, illustrating a security system for an IVRS based payment device and in
accordance with an embodiment of the present invention the various means
employed to achieve the above.
FIG. 2 is an exemplary block diagram of a speaker recognition system, in
accordance with an embodiment of the present invention.
FIG. 3 is an exemplary block diagram, consistent with the present invention,
illustrating a pathway for pin verification as an embodiment of the security
system for an IVRS based payment device.
FIG. 4 is a block diagram of another embodiment of the system in which an
exemplary liveliness test is illustrated.
DETAILED DESCRIPTION OF THE INVENTION:
The present invention shall now be described in detail in reference to the
accompanying drawings.
In the following detailed description, numerous specific details are set forth in
order to provide a thorough understanding of some embodiments of the
invention. However, it will be understood by persons skilled in the art that
embodiments may be practiced without any specific details. In other instances,
well-known methods, procedures, components and/or systems have not been
described in detail so as not to obscure the discussion.
It will be appreciated that the embodiments of the invention hereinbefore
described are given by way of example only, and are not meant to limit the scope
of the invention in any way.
FIG. 1 illustrates the various embodiments consistent with the present invention
wherein , a security system in an IVRS based payment device comprises (a) a pin
code verification (b) a GPS verification (c) Liveliness test (d) Speaker
recognition (e) Call response. The linking and functioning of the abovementioned
embodiments in conjunction help to attain a full proof security as
claimed in the present invention.
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In accordance with an embodiment of the present invention wherein, FIG. 2
represents the speaker recognition part of the security system in an IVRS based
payment device based on extraction of speech of one or more users wherein
speech is an input provided to the device, the speech is a feature unique to a
plurality of users. This feature is extracted and the voice claimed is matched to
the voice of one or more users captured during registration process in caller pay
account. On the basis of the speech claiming to be of a user, a claimant’s model is
constructed. A user’s model is constructed on the basis of speech captured at the
time of registration. The pattern of speech is matched from the user’s model and
the claimant’s model. Once the pattern of speech is matched, decision to process
a financial transaction as desired by one or more users is processed. A threshold
limit of matching the speech is set for this system. A score is assigned after
matching pattern of speech from the above- mentioned two models. A threshold
is set by the system as claimed in the present invention. Depending upon the
score assigned by the system a particular financial transaction is accepted or
rejected. If the score is lesser than the threshold, the financial transaction is
rejected and if it is similar to the required threshold the financial transaction
executed by one or more users is accepted.
In accordance with an embodiment of the present invention, FIG. 3 illustrates a
pathway for pin verification wherein one or more users enter a M-pin, the
entered M-pin is matched with the M-pin stored in the caller pay database. After
M-pin matching, a decision is taken so as to accept or reject a financial
transaction executed by one or more users. If the stored pin matches with the
entered pin, the financial transaction as desired by a user is accepted whereas if
it doesn’t match, the financial transaction is rejected.
FIG. 4 is a block diagram of another embodiment of the system in which an
exemplary liveliness test is illustrated. An outbound call undergoes a liveliness
test for one or more users. This is primarily based on voice capture. Spoken voice
of one or more users is captured and a random generated voice is captured. The
random generated voice includes speaking of a random word as assigned by the
system to one or more users. The two above-mentioned voices are matched and
a decision of accepting or rejecting a financial transaction is accordingly
proceeded thereafter.
The present invention with the help of above embodiments achieve 95% voice
matching along with a full proof security system enabling one or more users a
secure financial transaction over phone.
EXAMPLE 1:
Bob, a user registered with caller pay desires to make a financial transaction
over phone. He dials the appropriate number and is directed through IVRS. Bob’s
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speech [Claimant’s Model] is compared with Bob’s speech [Bob’s Model] at the
time of registration with caller pay. The pattern of speech is matched and a
decision regarding accepting or rejecting the financial transaction executed by
Bob is decided by comparing the pattern matching score with the threshold. If
the sore is below the threshold the financial transaction is rejected. Secondly,
when Bob enters an M-pin, the entered M-pin is matched with the stored M-pin
in the database at the time of Bob’s registration with caller pay. A decision as to
accepting or rejecting a call is made on the basis of the M-pin match. If the stored
Pin matches with the entered pin, the financial transaction is accepted. Thirdly,
when Bob makes a call, he is directed to speak a random word as directed by the
system and this random generated voice capture is matched with his spoken
voice capture and a decision is made determining whether a transaction would
be successful or not.
Functions, operations, components and/or features described herein with
reference to one or more embodiments, may be combined with, or may be
utilized in combination with, one or more functions, operations, components
and/or features described herein with reference to one or more other
embodiments, or vice versa.
While certain features of some embodiments of the invention have been
illustrated and described herein, many modifications, substitutions, changes, and
equivalents may occur to those skilled in the art. It is therefore, to be understood
that the appended claims are intended to cover all such modifications and
changes.
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We Claim:
1. A security system for an IVRS based payment device, comprising:
a means for voice recognition;
an arrangement for conducting liveliness test; and
a means for onsite registration process with a tracking feature.
2. The security system for an IVRS based payment device as claimed in claim 1,
wherein the means for voice recognition involves speaker verification over
telephone.
3. The security system for an IVRS based payment device as claimed in claim 2,
wherein speaker verification includes extraction of speech of a user and
matching the pattern of speech by two models.
4. The security system for an IVRS based payment device as claimed in claim 3,
wherein the two models used for matching the pattern of speech comprising:
users’ model created at the time of registration of user; and
a claimant’s model.
5. The security system for an IVRS based payment device as claimed in claim 4,
wherein the matching of pattern with the two models includes deciding of
accepting or rejecting the payment transaction executed by the user by assigning
a score and comparing the score with a threshold limit assigned by the model.
6. The security system for an IVRS based payment device as claimed in claim 1,
wherein the arrangement for conducting liveliness test involves making of
bound calls for payments transactions.
7. The security system for an IVRS based payment device as claimed in claim 1,
wherein a global positioning system tracing feature allows verification of
location from where transactions are being made.
8. The security system for an IVRS based payment device as claimed in claim 1,
wherein the means for onsite registration process involves a paperless
registration process.
9. The security system for an IVRS based payment device as claimed in claim 8,,
wherein the means for onsite registration process involves verification of
payment transaction by transferring data to cloud and verifying user through pin
code verification, global positioning system verification, speaker recognition, call
response and liveliness test.
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10. The security system for an IVRS based payment device as claimed in claim 9,
wherein cloud checks the integrity of data selected from a group comprising
account balance check, daily transaction limits, account limitations, debit or
credit card limits and past transactions.