Patent ID: 8322602
Filing Date: 2012-12-04
Classification: G06Q,G07F,G10L

Abstract:
1. A method for making a payment for a financial transaction utilizing a portable device, comprising the steps of: selecting a software application stored on the portable device; selecting a digitally signed document stored on the portable device; transmitting the digitally signed document; speaking an amount for the financial transaction; generating an acoustic signal, wherein the acoustic signal includes the amount for the financial transaction; generating, by a speaker of the portable device, the acoustic signal; receiving, by a microphone of a seller portable device, the acoustic signal; analyzing the acoustic signal to determine a computed voiceprint; receiving, by the seller portable device, the digitally signed document; analyzing the digitally signed document to determine a signed voiceprint; comparing the computed voiceprint and the signed voiceprint; extracting an identity from the digitally signed document; and charging a credit card account associated with the identity.