US 11,706,213 B2
Systems and methods for facilitating network voice authentication
Qing Cao, Purchase, NY (US); Dennis A. Gamiello, Yorktown Heights, NY (US); and Robert D. Reany, New Canaan, CT (US)
Assigned to MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed by MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed on Nov. 12, 2019, as Appl. No. 16/681,608.
Claims priority of provisional application 62/760,795, filed on Nov. 13, 2018.
Prior Publication US 2020/0153821 A1, May 14, 2020
Int. Cl. H04L 9/40 (2022.01); G06Q 20/40 (2012.01)
CPC H04L 63/0861 (2013.01) [G06Q 20/4016 (2013.01); G06Q 20/40145 (2013.01)] 13 Claims
OG exemplary drawing
 
1. A computer-implemented method for use in facilitating voice authentication of a user in connection with a network transaction, the method comprising:
prior to receiving an authorization request for a transaction:
receiving, at a computing device, an authentication request for the transaction, initiated at a voice interactive device, from a merchant plug-in (MPI) included at a merchant involved in the transaction, the authentication request including a type of the voice interactive device and a pre-authentication indicator based on voice authentication of a user by the voice interactive device or by a voice authentication service;
generating, by the computing device, a risk score for the transaction based at least in part on the type of the voice interactive device and the pre-authentication indicator;
transmitting, by the computing device, the risk score with the authentication request for the transaction to an access controller server (ACS) associated with an issuer of an account to which the transaction is directed; and
returning, by the computing device, a result response to the MPI, wherein the result response indicates permission to proceed in the transaction based on authentication of the user, the result response including an authentication code; and then,
receiving the authorization request for the transaction from an acquirer associated with the merchant, the authorization request including the authentication code representative of the voice authentication of the user; and
forwarding the authorization request to the issuer of the account.