Patent ID: 8880434

Claim:
An identity provider server for providing the capability to authenticate a consumer through a mobile device, the server comprising: a processor; memory communicably coupled to the processor; a mobile gateway component for communicating with a mobile device; an automatic speech recognition component for converting a voice sample of a consumer received through the mobile gateway component from the mobile device into a text sequence; a consumer knowledge-based verification component for comparing the text sequence converted from the voice sample with registered consumer verification information associated with the consumer; a biometric authentication component for comparing the voice sample received through the mobile gateway component with a registered voice sample associated with the consumer; an electronic wallet database for storing consumer information associated with the consumer in an electronic wallet, wherein the electronic wallet includes financial account data; a transaction module for generating an authorization identifier, wherein the authorization identifier enables the merchant to obtain payment information for payment processing from the electronic wallet of the consumer whose voice sample has been successfully matched with the registered voice sample by the biometric authentication component and whose converted text sequence has been successfully matched with the registered consumer verification information associated with the consumer, and wherein the transaction module accesses the electronic wallet upon receipt of the authorization identifier from a merchant point-of-sale system; a staging database for storing the authorization identifier to enable the merchant to access the electronic wallet for retrieval of payment information for payment processing; and a merchant gateway component for receiving from the merchant point-of-sale system a request to access payment information for payment processing, the request including the authorization identifier, and for transmitting the payment information included in the electronic wallet to the merchant point-of-sale system.