Patent ID: 7360694

Claim:
A method for conducting a secure transaction using voice authentication wherein payment is processed from a payment account comprising: providing a database of payment account entries, wherein each entry comprises at least a first voice sample associated with a holder of said payment account; providing payment account information associated with said payment account via a voice telephone call, said payment account information to be used for conducting said transaction; determining if the payment account participates in voice authentication services; transmitting an authentication request, formatted according to the 3-D Secure authentication protocol, including said payment account information to an issuer server; triggering automatically a telephone call to said holder of said payment account; generating a second voice sample by sampling one or more voice characteristics of said holder of said payment account; using voice authentication technology to compare said first voice sample to said second voice sample to determine whether said transaction is authorized by said holder of said payment account; and wherein said authentication request includes at least a device category data field, an authentication request channel data field, a cardholder phone number data field and a voice channel transfer method data field.