Speed controlled telephone credit card verification system

Details Speed controlled telephone credit card verification system Speed controlled telephone credit card verification system

1997-04-11

1998-09-08

Hudspeth, David R.

Data processing: speech signal processing, linguistics, language

Speech signal processing

Application

704233, 704257, 704240, 704270, G10L 708

Patent

active

058060405

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.

REFERENCES:
patent: 4052568 (1977-10-01), Jankowski
patent: 4532648 (1985-07-01), Noso et al.
patent: 4610023 (1986-09-01), Noso et al.
patent: 4896358 (1990-01-01), Bahler et al.
patent: 5265191 (1993-11-01), McNair

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