V·Pay
- A Voice AI payment authorization service that verifies the user’s spoken intent for a specific transaction before approving the payment
VOICE AIReal-time voice verification
Real-time voice verification
Into payment authorization
and digital security
Voice AI verifies the user’s voice, prompted phrase, and whether the audio is recorded or synthetic, then connects the result to payment authorization and identity and access protection
One Voice AI foundation,
Two distinct applications
V-Aegis
- A Voice AI security service that links verified live voice to the conditions for releasing identity and authorization information
User voice, phrase, and spoofing
Through one real-time verification flow
Both services use the same Voice AI verification foundation, with the outcome applied either to payment authorization or to identity and access protection
Verify the user’s voice
- Compare the enrolled voice profile with the live voice to determine whether they belong to the same user
Verify the dynamic phrase
- Determine whether the spoken content matches the one-time phrase assigned to the current request or transaction
Live voice and spoof detection
- Analyze recorded, replayed, synthetic, or manipulated audio to verify that the user is speaking live
Device and context risk signals
- Evaluate abnormal access and authorization risk by reviewing device, channel, location, and request information together
V·PAY
Three checks
Into a single transaction authorization
V·Pay determines whether to approve a payment by verifying the registered device, the user’s voice, and a transaction-specific one-time phrase, together with transaction details such as the merchant and payment amount
- Device Verification
Verify the registered device
- Verify that the payment request originated from a registered device or SIM
- Speaker Verification
Verify the user’s voice
- Compare the live utterance with the enrolled voice profile to determine whether it is the registered user’s voice
- Transaction-Bound Phrase
Verify the transaction-specific phrase
- Bind the prompt to the merchant, amount, and one-time transaction value to prevent reuse for another payment
Review the payment details and
Complete by speaking the prompted phrase
When voice cannot be used
Switch to another authentication method
In noisy environments or situations where voice cannot be used, an alternative flow combines text entry with additional authentication methods
When screen interaction is difficult
Expanding into more payment environments
V·Pay supports payment authorization with minimal interaction in environments where viewing and operating a screen is limited, such as vehicles, smart glasses, and wearables
SMART GLASS
Authorize payment without looking away
- Review the merchant and payment amount without taking out a smartphone, then authorize the transaction using the transaction-specific prompt
IN-CAR
Authorize payment without disrupting the driving experience
- Reduce screen interaction and visual distraction, and authorize by voice for fuel, EV charging, parking, and drive-through payments
- Drive-Through
Minimize payment terminal interaction
- Connect to the payment authorization step after an order without requiring card or terminal interaction
- Wearable
Support limited-input environments
- Minimal-interaction authorization for small screens and limited-input environments
- Kiosk
Streamline unattended payment flows
- Connect user verification and payment authorization after an unattended order
- AI Agent Checkout
Confirm final payment authority
- Confirm the final payment with the user’s direct approval after an AI-assisted order
V-AEGIS
Protecting with verified voice
Identity and access
V-Aegis verifies live voice to control the disclosure of identity and authorization information, protecting remote KYC, account recovery, and high-risk approval processes
Verified voice-based
Control the release of cryptographic keys and proofs
V-Aegis selectively discloses only the identity and authorization information required for requests that pass real-time voice verification
Verified voice-based release control
- Link real-time voice verification to the release conditions for protected keys and proofs
- Do not grant access based on speaker matching alone; use the complete verification result to determine whether information is released
Revocable and reissuable voice protection values
- Use transformed voice features and protection data instead of raw voice
- If protection data is exposed, revoke the existing value and reissue a new one
Short-lived authorization for each request
- Bind the authorization result to the requesting organization, device, action, and expiration time
- Prevent reuse by another organization or for another request
Disclose only the required information
- Disclose only the facts required instead of full identity information
- Provide only the required results, such as KYC completion, age eligibility, or account ownership
From reviewing the request
To selective information disclosure
After reviewing the requesting organization and disclosure scope, verify the live voice and selectively disclose only the information required for the stated purpose
- Request Context
Review request details
- Review the requesting organization, purpose, information to be disclosed, authorized action, and expiration time
- Live Voice Challenge
Verify live voice
- Read the dynamic phrase on the screen and verify the user’s voice, live utterance, spoofing signals, and phrase match
- Protected Release
Selective information disclosure
- Recover or unlock the protected key after verification succeeds
- Disclose only the identity and authorization proofs required for the request, for a limited time
- Audit & Status
Review authorization status and records
- Record and review authorization details, expiration time, risk factors, and exception states
From remote identity verification
To accessing sensitive privileges
V-Aegis can be applied to financial, public-sector, telecommunications, and enterprise security processes that require a higher level of trust than a standard login
Remote KYC
Remote identity verification
- After live speaker and anti-spoofing verification, disclose only the required identity proof, such as KYC completion status
Account Recovery & Call Center
Account recovery and call center security
- Prevent account recovery or high-risk information changes using only a stolen password, recorded audio, or synthetic voice
- High-Risk Financial Approval
High-risk financial approvals
- Apply request-bound live voice verification as an additional approval condition for high-value transfers, withdrawal limit changes, or payment method changes
- Enterprise & Public Access
Enterprise and public-sector access verification
- Disclose only the required permissions and proof of eligibility, rather than full identity information, for privileged enterprise systems and public digital services
Payment and security authorization
An integrated Voice AI connection architecture
V·Pay and V-Aegis integrate with existing services through a shared SDK/API, delivering payment authorization results and the results of selectively releasing required identity and authorization information
Integrate with existing services
- Integrate with wallets, payment gateways, merchant apps, KYC systems, call centers, and enterprise systems
- Add the Voice AI authorization step required within existing workflows
Use existing devices and channels
- Use smartphones, microphones, POS terminals, kiosks, call centers, and connected devices
- Minimize reliance on dedicated authentication hardware
Protect voice data
- Minimize long-term storage of raw voice recordings
- Process protected voice features and only the information required for authorization
- Set retention scope and deletion cycles according to organizational policy
Information security and intellectual property
- Operate an information security and privacy management system based on ISO/IEC 27001 and 27701
- Pursue intellectual property rights related to voice-based authentication, payment authorization, and identity and access protection architectures
FAQ
Frequently asked questions
V·PAY
No. V·Pay checks the registered device, speaker, transaction-specific dynamic phrase, and spoofing signals together, and is designed to prevent payment authorization with replayed or synthetic audio alone. Facial Liveness or an existing wallet authentication method may also be required for high-risk transactions
No. V·Pay’s standard authorization verifies the registered device, speaker, and transaction-bound phrase. Facial Liveness is used only as risk-based step-up authentication when a transaction is flagged as anomalous
When voice use is difficult, such as in noisy environments or public places, users can switch to a text-based alternative. Text entry alone is not sufficient; it is combined with a device-bound passkey, facial liveness, an existing wallet authentication method, and additional risk signals
Transaction-specific prompts are generated from the merchant, amount, and one-time transaction data when a payment is requested. Depending on the organization’s operating policy, they may use a standard authorization phrase, branded phrase, or campaign phrase; advertising or loyalty messaging is optional
Rather than replacing existing payment flows, V·Pay adds an authorization layer through an SDK/API. It integrates by passing the Payment Authorization result from voice verification to the payment flow of wallets, payment gateways, and merchant apps
V-AEGIS
No. V-Aegis combines speaker matching with Voice Liveness, replay and synthetic voice detection, and transaction-specific dynamic phrase verification, so protected keys or proofs cannot be released using cloned or replayed audio alone
Yes. V-Aegis does not use raw voice as a permanent credential. It uses transformable, revocable voice protection values. If compromised, the existing protection value or key package can be invalidated and reissued
V-Aegis is designed not to use raw voice recordings as permanent secrets. It uses protected voice features and cryptographic metadata while minimizing long-term storage of raw voice data
No. V-Aegis supports a Minimum Disclosure model that selectively reveals only the facts required for the request—such as KYC completion, age eligibility, or authorized account ownership—instead of the full identity record
No replacement is required. V-Aegis can integrate with existing KYC, call center, and enterprise systems through an SDK/API, adding voice-based Cryptographic Release Control only when needed
PARTNERSHIPS
Voice AI integration and deployment inquiries
Discuss V·Pay and V-Aegis integration options tailored to your organization’s payment authorization and identity and access protection environment
Contact us