Patent ID: 8555358

Claim:
A method for conducting a secure transaction using voice authentication wherein payment is processed from a payment account comprising: providing an issuer server communicably connected to a database of payment account entries, wherein a payment account entry associated with the payment account comprises at least a first voice sample associated with a holder of the payment account; receiving a verification request regarding the payment account; determining, in response to the verification request, whether the payment account participates in voice authentication services; receiving, at the issuer server, an authentication request for a transaction between the holder and a merchant comprising payment account information associated with the payment account, the authentication request further comprising a data field indicating when the merchant will allow the transaction to time out, the authentication request being formatted according to a 3-D Secure authentication protocol; triggering a telephone call to the holder of the payment account in response to said authentication request; obtaining a second voice sample by sampling one or more voice characteristics of the holder of the payment account obtained during said telephone call; and using voice authentication technology to compare the first voice sample to the second voice sample to determine whether the transaction is authorized by the holder of the payment account.