Third party verification system
First Claim
1. Apparatus for enrolling at least one holder of at least one account into a system to support verification of subsequent transactions involving the at least one account, the apparatus comprising at least the following:
- at least one voice response unit to capture at least one voice print from the at least one holder;
the voice response unit to associate the at least once voice print with the at least one account;
the voice response unit to request from the at least one holder a verbal response to a question as well as a DTMF response to confirm the response to the question;
the voice response unit to concatenate a recording of personal information of the at least one holder with the verbal response and the DTMF response, wherein the DTMF response directs a third party verification system to one or more branches to facilitate various lines of potential questioning; and
at least one storage medium to store the at least one voice print and to associate the same with the at least one account held by the at least one holder.
8 Assignments
0 Petitions
Accused Products
Abstract
A verification system for obtaining, storing and providing access to information regarding a commitment or position of an individual or entity. In one embodiment the verification system comprises an interactive voice response system or computer program interface capable of obtaining and recording information regarding any of a number of commitments from an individual or entity, such as a commitment to change long distance telephone service providers. The verification system comprises a voice response unit configured to query pertinent information from an individual and record the responses to the queries in a digital format. Upon completion of a successful session, the voice response unit forwards the recorded responses confirming consent, to a storage device, such as a computer server. As desired, the recorded responses can be retrieved from the server by telephone or computer for verification of the consent, commitment, or position of the individual or entity.
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Citations
20 Claims
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1. Apparatus for enrolling at least one holder of at least one account into a system to support verification of subsequent transactions involving the at least one account, the apparatus comprising at least the following:
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at least one voice response unit to capture at least one voice print from the at least one holder; the voice response unit to associate the at least once voice print with the at least one account; the voice response unit to request from the at least one holder a verbal response to a question as well as a DTMF response to confirm the response to the question; the voice response unit to concatenate a recording of personal information of the at least one holder with the verbal response and the DTMF response, wherein the DTMF response directs a third party verification system to one or more branches to facilitate various lines of potential questioning; and at least one storage medium to store the at least one voice print and to associate the same with the at least one account held by the at least one holder. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method for enrolling at least one holder of at least one account in a system to support verification of subsequent transactions involving the at least one account, the method comprising at least the following:
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obtaining at least one voice print from the at least one holder of the at least one account; obtaining at least one account number from the at least one holder; associating the at least one voice print with the at least one account number; requesting from the at least one holder a verbal response to a question as well as a DTMF response to confirm the response to the question; concatenating a recording of personal information of the at least one holder with the verbal response and the DTMF response, wherein the DTMF response directs a third party verification system to one or more branches to facilitate various lines of potential questioning; and storing the at least one voice print and the at least one account number in at least one storage medium. - View Dependent Claims (9, 10, 11, 12)
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13. Apparatus for verifying that at least one consumer seeking to conduct at least one transaction with at least one merchant using at least one account is authorized to use the at least one account, the at least one account being identified by an account number, the apparatus comprising at least the following:
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at least one voice response unit to receive the at least one account number and at least one test voice print associated with the at least one consumer; the voice response unit to request from the at least one holder a verbal response to a question as well as a DTMF response to confirm the response to the question; the voice response unit to concatenate a recording of personal information of the at least one holder with the verbal response and the DTMF response, wherein the DTMF response directs a third party verification system to one or more branches to facilitate various lines of potential questioning; and storage medium to receive the at least one account number and return at least one control voice print associated with the at least one account number; voice print comparator to compare the at least one test voice print to the at least one control voice print and to return at least one match level signal indicating a degree of match therebetween; and wherein the at least one voice response unit is further to notify the merchant whether the at least one consumer is authorized to use the at least one account, the verification signal being responsive to the at least one match level signal.
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14. A method of verifying that at least one consumer seeking to conduct at least one transaction with at least one merchant using at least one account is authorized to use the at least one account, the method comprising at least the following:
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obtaining at least one test voice print from the at least one consumer; obtaining at least one account number for the account; obtaining at least one control voice print associated with the at least one account number; requesting from the at least one holder a verbal response to a question as well as a DTMF response to confirm the response to the question; concatenating a recording of personal information of the at least one holder with the verbal response and the DTMF response, wherein the DTMF response directs a third party verification system to one or more branches to facilitate various lines of potential questioning; comparing the at least one control voice print to the at least one test voice print; identifying at least one level of match between the at least one control voice print and the at least one test; and dispositioning at least one transaction in response to the at least one level of match. - View Dependent Claims (15, 16, 17, 18, 19, 20)
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Specification