GB2449848A - Interactive voice, advertising and payment gadget software application incorporating voice biometric authentication - Google Patents

Interactive voice, advertising and payment gadget software application incorporating voice biometric authentication Download PDF

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Publication number
GB2449848A
GB2449848A GB0710542A GB0710542A GB2449848A GB 2449848 A GB2449848 A GB 2449848A GB 0710542 A GB0710542 A GB 0710542A GB 0710542 A GB0710542 A GB 0710542A GB 2449848 A GB2449848 A GB 2449848A
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United Kingdom
Prior art keywords
gadget
voice
payment
advertising
user
Prior art date
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Withdrawn
Application number
GB0710542A
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GB0710542D0 (en
Inventor
Nick Ogden
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Individual
Original Assignee
Individual
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Filing date
Publication date
Application filed by Individual filed Critical Individual
Priority to GB0710542A priority Critical patent/GB2449848A/en
Publication of GB0710542D0 publication Critical patent/GB0710542D0/en
Publication of GB2449848A publication Critical patent/GB2449848A/en
Withdrawn legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L12/00—Data switching networks
    • H04L12/02—Details
    • H04L12/16—Arrangements for providing special services to substations
    • H04L12/18—Arrangements for providing special services to substations for broadcast or conference, e.g. multicast
    • H04L12/1813—Arrangements for providing special services to substations for broadcast or conference, e.g. multicast for computer conferences, e.g. chat rooms
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0861—Network architectures or network communication protocols for network security for authentication of entities using biometrical features, e.g. fingerprint, retina-scan
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/50—Network services
    • H04L67/75—Indicating network or usage conditions on the user display
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/30—Individual registration on entry or exit not involving the use of a pass
    • G07C9/32—Individual registration on entry or exit not involving the use of a pass in combination with an identity check
    • G07C9/37—Individual registration on entry or exit not involving the use of a pass in combination with an identity check using biometric data, e.g. fingerprints, iris scans or voice recognition
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L51/00—User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail
    • H04L51/04—Real-time or near real-time messaging, e.g. instant messaging [IM]
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L65/00—Network arrangements, protocols or services for supporting real-time applications in data packet communication
    • H04L65/1066—Session management
    • H04L65/1101—Session protocols
    • H04L65/1104—Session initiation protocol [SIP]
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M1/00—Substation equipment, e.g. for use by subscribers
    • H04M1/253—Telephone sets using digital voice transmission
    • H04M1/2535—Telephone sets using digital voice transmission adapted for voice communication over an Internet Protocol [IP] network
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2250/00—Details of telephonic subscriber devices
    • H04M2250/60—Details of telephonic subscriber devices logging of communication history, e.g. outgoing or incoming calls, missed calls, messages or URLs
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M7/00—Arrangements for interconnection between switching centres
    • H04M7/006—Networks other than PSTN/ISDN providing telephone service, e.g. Voice over Internet Protocol (VoIP), including next generation networks with a packet-switched transport layer

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Finance (AREA)
  • General Engineering & Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Multimedia (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Health & Medical Sciences (AREA)
  • Biomedical Technology (AREA)
  • General Health & Medical Sciences (AREA)
  • Computer Hardware Design (AREA)
  • Development Economics (AREA)
  • Computing Systems (AREA)
  • Telephonic Communication Services (AREA)

Abstract

The application relates to computer program application which runs on the "Busta Gadgets" platform for the Windows Vista side bar. It suggests the use of the Session Integrated Protocol (SIP) and Voice over Internet Protocol (VoIP) built into this platform to provide an integrated system for biometrically (voice) authenticated transactions in the context of payment and advertising systems.

Description

2449ö43 Busta Vista -Interactive Voice. Advertjsjn and Payment aadget
software aullcation incorporatin2 Voice Biometric authentication
Description
This patent covers the process of communication, authentication, advertising, displaying, preference matching or promotion electronically of any product or service that could then generate or create a concurrent voice communication, secure financial transaction or other transaction using technology known as a gadget. The complete gadget technology package is called Busta Vista All the gadget software process are interlinked seamlessly within one computer application and can operate on any computer, mobile phone, personal digital assistant or games console.
Busta Vista is built using a technology known as a gadget. Gadgets are often referred to as Web 2.0 or 3.0 software developments. A gadget is a piece of software that can be loaded onto any computer desktop or imported or uploaded into an Internet browser, mobile phone or personal digital assistant, or games console.
The technologies contained within the gadget already exist as individual components but not within a conglomerated or pre-interlinked environment.
The unique advantage of the Busta Vista gadget as a technical conglomeration is ease of use, simplicity and efficiency of operation, ease of installation, reduction in download payload, small desktop footprint, and data portability and data personalisation.
Today people can make telephone calls online, they can fmd things to buy on the internet, but the process is inefficient and disjointed.
Busta Vista changes that process and in sununary operates as follows: To become a user of this technology requires completion of a registration process. Once registration is complete the technology (a gadget) is downloaded and installed on the user's computer. Typically a gadget is less than 1 megabyte in an unzipped format. Once installed as either a browser plug in, as desktop gadget, or as an operating system sidebar or extension the user completes a log in process using their unique user name or password.
The gadget user can now communicate with anyone using the SIP protocol and vice versa any other person using any telephony applications using the SIP protocol can communicate by calling the user using for example just their email address as a reference.
S
During registration options exist to create personal preferences that will deliver dynamic armouncements to the user or they may simply opt for a general preference, or opt out.
Interactive multi media advertisements are rotated from a central server, and when a user selects to view their special offers their option choice is displayed for them.
Depending upon the advertiser's requirement the gadget user can either click to talk or click to buy. Using click to talk an instant voice call is created to the advertiser.
If a purchase decision is made a voice call is created to a biometric authentication centre where the user has pre-created an account. Following voice verification the user speaks or keys a product code displayed in the advert and the payment transaction is completed, and if appropriate physical goods delivered to their registered delivery address.
The following claims relate to the processes detailed in the abstract: The invention will now be described in detail and is illustrated in the accompanying drawings, in which: Figure 1 shows desktop location of the gadget of the invention on Microsoft Vista; Figure 2 shows some illustrative gadget menu screens; and Figure 3 shows illustrative gadget flyouts for advertising and account management.
Detailed description
Chapter One The conglomeration or interlinking of a combination of Interactive Voice, Advertising and Payment technologies into a gadget Claim 1 This technology combines into s single software unit, a gadget, the following capabilities: Voice communication Using SIP (session initiated protocol) a user can talk to another user of SIP based software systems. This can be a normal telephone where a connection is made to the PSTN or Mobile phone network. Calls between SIP enabled devices can also be initiated.
Theses are established using either the sip address sip: ABC@siopaddress.com or a referenced email address nickwhitephone.com or a user reference number. Calls to premium services such as technical support or education services using [P (Internet protocol) can also be established. If a user is offline voice mail systems manage missed calls.
On Line Chat The gadget supports online chat whilst in an IP call. If the other user is typically using a computer, PDA (personal digital assistant) or Mobile phone with advanced features, a user can type messages if they require privacy.
Advertising and information Display The gadget can display any rich media in the form of an advertisement or a message. By rich media displays can b video, audio text, Adobe Flash or Silverlite, animated gif, or any combination of these formats.
Advertising and information services are displayed against a the gadget users preference selection. This selection can be highly detailed and can relate to particular consumer or business areas. Selection of these areas takes place at the point of registration. A gadget user can opt out is they choose and not receive any of information.
Payment Technologies To use the gadget to make chargeable calls, either as PSTN or IF premium calls the gadget users requires an account. This account is typically prepaid.
Within the gadget all these separate technologies have been merged into a single interactive software client that is less than 0.5 megabytes in size. The technologies seamlessly interlink and interplay depending upon the gadget users activities.
This process is now complete and support claim number 1 which is the con2lomeration or interlinkin a combination of Interactive Voice, Advertisin2 and Payment technojoaies into a 2adaet is unique
S
Chapter Two The process of creating instant click to talk and click to buy communication based upon pre matched or preference served user data displayed within a gadget.
Claim 2 Advertising and information services are displayed against the gadget user preference selection. This selection can be highly detailed and can relate to particular consumer or business areas. Selection of these areas takes place at the point of registration.
When a user reads or watched a particular advertisement or information services they can immediately create voice interactivity with the organisation that has created the advertisement or service.
A phone icon may be displayed on the Advertising and information services and by simply clicking on that icon a voice connection is established between the advertiser and gadget user. This call may be free or non chargeable. It may be chargeable or it may at the advertiser's option be capable of conversion to a chargeable call during the call process.
When a user reads or watched a particular advertisement or information services they can immediately create a purchase transaction and buy the item that is being displayed. For example theatre tickets, tickets for a sporting event, or flowers or a present or some other instant purchase.
A shopping cart icon may be displayed on the Advertising and information services and by simply clicking on that icon a voice connection is established between the gadget user and the payment service provider.
This process is now complete and supports claim number 2 which is the process of creating instant click to talk and click to buy communication based upon pre matched or preference served user data displayed within a gadget is unique.
S
Chapter Three Integration of Voice biometric payment processing, with Interactive Voice and Advertising and Payment technologies, within a gadget.
Claim 3 When a user reads or watched a particular advertisement or information services they can immediately create a purchase transaction and buy the item that is being displayed. For example theatre tickets, tickets for a sporting event, or flowers or a present or some other instant purchase.
A shopping cart icon may be displayed on the Advertising and information services and by simply clicking on that icon a voice connection is established between the gadget user and the payment service provider.
The gadget payment service provider delivers voice biometric payment solutions.
When a purchase call is established the gadget user identifies them selves by entering or speaking their account number. They are then asked to authenticate themselves by repeating a series of numbers. Once authenticated they then either enter, using the gadget keypad, or speak the product code details shown next to the product that they wish to purchase. Details of the product that they are purchasing and the price are repeated to them and the transaction is then completed. If the purchase is for physical goods theses are delivered to their registered address of the gadget user.
This process is now complete and supports claim number 3 which is the process of integration of Voice biometric payment processing with Interactive Voice and Advertising and Payment technologies within a gadget which is unique.

Claims (3)

  1. S
    Claims: 1. The conglomeration or interlinking of a combination of Interactive Voice, Advertising and Payment technologies into a gadget is unique
  2. 2. The process of creating instant click to talk and click to buy communication based upon pre matched or preference served user data displayed within a gadget is unique
  3. 3. The integration of Voice biometric payment processing into a single combination of Interactive Voice and Advertising and Payment technologies within a gadget is unique
GB0710542A 2007-06-01 2007-06-01 Interactive voice, advertising and payment gadget software application incorporating voice biometric authentication Withdrawn GB2449848A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
GB0710542A GB2449848A (en) 2007-06-01 2007-06-01 Interactive voice, advertising and payment gadget software application incorporating voice biometric authentication

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
GB0710542A GB2449848A (en) 2007-06-01 2007-06-01 Interactive voice, advertising and payment gadget software application incorporating voice biometric authentication

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GB0710542D0 GB0710542D0 (en) 2007-07-11
GB2449848A true GB2449848A (en) 2008-12-10

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9953320B2 (en) 2014-03-20 2018-04-24 Sutherland Global Services, Inc. System and method for secure payment transactions during a chat session

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9953320B2 (en) 2014-03-20 2018-04-24 Sutherland Global Services, Inc. System and method for secure payment transactions during a chat session
US10296908B2 (en) 2014-03-20 2019-05-21 Sutherland Global Services, Inc. System and method for secure payment transactions during a chat session

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