Visa Inc.
Audible authentication

Abstract:

A method is disclosed. A digital assistant device receives a biometric sample from a user and then converts the biometric sample to a biometric template. The digital assistant device can scan for user devices in communication range of the digital assistant device, thereby receiving user device identifiers. The digital assistant device can transmit, to a server computer, an authentication request comprising the biometric template and at least one user device identifier. The digital assistant device can then receive a cryptogram request message comprising the at least one user device identifier, from the server computer. The digital assistant device can transmit, to a user device corresponding to the at least one user device identifier, the cryptogram request message and can then receive a cryptogram. The digital assistant device can then transmit the cryptogram to the server computer. The server computer verifies the cryptogram before further processing of a transaction.