Speed controlled telephone credit card verification system
First Claim
1. A method of authorizing a person to use a card which has an identifying card number, comprising the steps of:
- creating a voice verification template for the authorized user of each said card;
storing each said voice verification template in a databank at a central location accessible by a telephone network;
retrieving the voice verification template from said databank that corresponds to said card number;
prompting repeatedly the person using the card to speak a plurality of words, wherein the number of repeated promptings is selectively determined; and
comparing repeatedly said plurality of words spoken to said voice verification template by utilizing a set right-to-wrong threshold ratio, wherein said fractional threshold ratio of wrong to right is greater than 0, in order to count the number of properly verified responses which determines whether the person using the card is the authorized user.
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Accused Products
Abstract
A speech controlled verification system for verifying the identity of a person using a telephone calling card, bank card or other credit card. The systems connects the user of the card to a telephone network, wherein the user enters the card number. The card number is used to access a central data base through the telephone network, wherein a voice verification template is retrieved corresponding to the entered card number. The voice verification contains various samples of the authorized user'"'"'s voice stating selected words, phrases and/or numbers. Once the proper voice verification template is retrieved, the system prompts the user to state one of the words, phrases and/or numbers contained within the voice verification template. The word, phrase and/or numbers stated in response to the prompt is compared with the voice verification template. If the stated words match the template, the user is considered to be the authorized user and the card is validated. If the stated words do not match the voice verification template, the user may or may not be denied authorization depending upon the use of the card and the financial stake being placed in the use of the card.
103 Citations
21 Claims
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1. A method of authorizing a person to use a card which has an identifying card number, comprising the steps of:
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creating a voice verification template for the authorized user of each said card; storing each said voice verification template in a databank at a central location accessible by a telephone network; retrieving the voice verification template from said databank that corresponds to said card number; prompting repeatedly the person using the card to speak a plurality of words, wherein the number of repeated promptings is selectively determined; and comparing repeatedly said plurality of words spoken to said voice verification template by utilizing a set right-to-wrong threshold ratio, wherein said fractional threshold ratio of wrong to right is greater than 0, in order to count the number of properly verified responses which determines whether the person using the card is the authorized user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 18)
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10. A method of authorizing a person to use a telephone calling card with an identifying card number, comprising the steps of:
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prompting repeatedly the person using the calling card to state the identifying card number into a telephone receiver, wherein the number of repeated promptings is selectively determined; retrieving a voice verification template from a central database that corresponds to the identifying card number stated; and comparing repeatedly the identifying card number stated to the voice verification template by utilizing a set right-to-wrong threshold ratio, wherein said fractional threshold ratio of wrong to right is greater than 0, in order to count the number of properly verified responses which determines whether the voice of the person using the card matches the voice verification template before use of the calling card is authorized. - View Dependent Claims (11, 12, 13, 14)
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15. A method of verifying the authority of a person to use a card having an identifying card number, wherein the card is used to enable a device by placing the card in a card reader coupled to the device, said method comprising the steps of:
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creating a voice verification template for the person authorized to use each said card; storing the voice verification template on the card; automatically reading said voice verification template from said card when the card is placed in said card reader; prompting repeatedly the person using the card to speak a plurality of words, wherein the number of repeated promptings is selectively determined; and comparing repeatedly said plurality of words spoken to said voice verification templates by utilizing a right-to-wrong threshold ratio ratio, wherein said fractional threshold ratio of wrong to right is greater than 0, in order to count the number of properly verified responses which determines whether the person using the card is an authorized user. - View Dependent Claims (16, 17, 19, 20)
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21. A method of authorizing a person to use a card which has an identifying card number, comprising the steps of:
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creating a voice verification template corresponding to said identifying card number; storing said voice verification template in a databank at a central location accessible by a telephone network; retrieving said voice verification template that corresponds to said identifying card number from said databank; randomly selecting a plurality of words, phrases or numbers from said voice verification template; prompting said person seeking authorization to speak each of said selected plurality of words, phrases or numbers; comparing each of said spoken plurality of words, phrases or numbers to each of said selected plurality of words, phrases or numbers from said voice verification template, and responsively updating a right-to-wrong ratio accordingly; authorizing a user if said right-to-wrong ratio is greater than a determined threshold for the authorization sought by said person, wherein said determined threshold is less than 100%.
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Specification