公开(公告)号：EP0598469A2

公开(公告)日：1994-05-25

申请号：EP93303061.1

申请日：1993-04-20

申请人： Dunlevy, Daniel P.

发明人： Dunlevy, Daniel P.

IPC分类号： G07F7/10 ,  G06F15/30

CPC分类号： G06Q20/04 ,  G06Q20/389 ,  G06Q20/403 ,  G07C9/00087 ,  G10L17/22 ,  H04M3/385 ,  H04M15/00 ,  H04M2201/41

摘要： The INTERACTIVE CREDIT CARD FRAUD CONTROL PROCESS system utilizes a computer with telephone interface, memory, voice recognition software and hardware, and an information archive and retrieval process. A computer program (10) is used to automatically and electronically control the determination of the caller as the authorized credit card holder, or conversely an unauthorized perpetrator attempting to make a credit card transaction. The telephone interface is connected to a telephone line and the caller dials a number that connects the caller with the present invention (12), which then captures certain information about the incoming call (14 & 16) and creates a permanent Record Stamp (18) of the call to which transactional information is added as the call progresses. The caller is asked question prompts, and the system receives voice and touch tone responses from the caller from which the system determines if a VoicePrint is applicable (20). The caller responses are managed by the present invention in a method that determines if the caller is the authorized credit card holder, and if the caller is not the authorized credit card holder the present invention captures information that can lead to the capture and conviction of the caller as a credit card fraud felon. The present invention uses the caller's spoken voice print of the card holder's name as one of the determining factors to determine if the caller is the authorized credit card holder (22). The VoicePrint, included in a claim in the present invention, uniquely and positively identifies a single person, and therefore becomes a valuable tool and evidence in the apprehension and conviction of perpetrators of credit card fraud. With a VoicePrint of the authorized credit card holder on file, the present invention prevents any other person except approved persons from making credit card transactions with that card number. Even without the VoicePrint, the control process is highly effective in limiting fraud risk and the present invention creates a VoicePrint of the caller, ties that identifier to the Record Stamp, and can thereafter identify that person as the person who was the caller. Additional claims relate to using the present invention for security and access control, including the gathering of positive identifying evidence of perpetrators.

摘要翻译： 交互式信用卡欺诈控制过程系统利用具有电话接口，存储器，语音识别软件和硬件的计算机以及信息归档和检索过程。 计算机程序（10）用于自动和电子地控制作为授权信用卡持有者的呼叫者的确定，或者相反地，试图进行信用卡交易的未经授权的肇事者。 电话接口连接到电话线路，呼叫方拨打将呼叫者连接到本发明（12）的号码，然后本发明（12）捕获有关来话呼叫（14和16）的某些信息，并创建一个永久记录邮票（18） 在呼叫进行时添加事务信息的呼叫。 呼叫者被询问提示，系统接收来自呼叫者的语音和触摸音响应，系统确定VoicePrint是否适用（20）。 呼叫者响应由本发明以一种方法来管理，该方法确定呼叫者是否是授权的信用卡持有者，如果呼叫者不是授权的信用卡持有者，则本发明捕获可导致捕获和定罪的信息 来电者作为信用卡诈骗重罪。 本发明使用呼叫者的持卡人姓名的语音打印作为决定因素之一来确定呼叫者是否是授权的信用卡持有人（22）。 包含在本发明的权利要求中的VoicePrint独特且积极地识别了一个人，因此成为信用卡欺诈者的担心和定罪的宝贵工具和证据。 通过授权的信用卡持有者的VoicePrint的文件，本发明防止任何其他人除了获得批准的人员与该卡号进行信用卡交易。 即使没有VoicePrint，控制过程在限制欺诈风险方面也是非常有效的，本发明创建了呼叫者的VoicePrint，将该标识符与记录戳相关联，并且此后可以将该人称为作为呼叫者的人。 附加权利要求涉及将本发明用于安全和访问控制，包括收集肇事者的积极确定证据。

公开(公告)号：EP0598469A3

公开(公告)日：1996-07-10

申请号：EP93303061.1

申请日：1993-04-20

申请人： Dunlevy, Daniel P.

发明人： Dunlevy, Daniel P.

IPC分类号： G07F7/10 ,  G06F15/30

CPC分类号： G06Q20/04 ,  G06Q20/389 ,  G06Q20/403 ,  G07C9/00087 ,  G10L17/22 ,  H04M3/385 ,  H04M15/00 ,  H04M2201/41

摘要： The INTERACTIVE CREDIT CARD FRAUD CONTROL PROCESS system utilizes a computer with telephone interface, memory, voice recognition software and hardware, and an information archive and retrieval process. A computer program (10) is used to automatically and electronically control the determination of the caller as the authorized credit card holder, or conversely an unauthorized perpetrator attempting to make a credit card transaction. The telephone interface is connected to a telephone line and the caller dials a number that connects the caller with the present invention (12), which then captures certain information about the incoming call (14 & 16) and creates a permanent Record Stamp (18) of the call to which transactional information is added as the call progresses. The caller is asked question prompts, and the system receives voice and touch tone responses from the caller from which the system determines if a VoicePrint is applicable (20). The caller responses are managed by the present invention in a method that determines if the caller is the authorized credit card holder, and if the caller is not the authorized credit card holder the present invention captures information that can lead to the capture and conviction of the caller as a credit card fraud felon. The present invention uses the caller's spoken voice print of the card holder's name as one of the determining factors to determine if the caller is the authorized credit card holder (22). The VoicePrint, included in a claim in the present invention, uniquely and positively identifies a single person, and therefore becomes a valuable tool and evidence in the apprehension and conviction of perpetrators of credit card fraud. With a VoicePrint of the authorized credit card holder on file, the present invention prevents any other person except approved persons from making credit card transactions with that card number. Even without the VoicePrint, the control process is highly effective in limiting fraud risk and the present invention creates a VoicePrint of the caller, ties that identifier to the Record Stamp, and can thereafter identify that person as the person who was the caller. Additional claims relate to using the present invention for security and access control, including the gathering of positive identifying evidence of perpetrators.

摘要翻译： 交互式信用卡欺诈控制过程系统利用具有电话接口，存储器，语音识别软件和硬件的计算机以及信息归档和检索过程。 计算机程序（10）用于自动和电子地控制作为授权信用卡持有者的呼叫者的确定，或者相反地，试图进行信用卡交易的未经授权的肇事者。 电话接口连接到电话线路，呼叫方拨打将呼叫者连接到本发明（12）的号码，然后本发明（12）捕获有关来话呼叫（14和16）的某些信息，并创建一个永久记录邮票（18） 在呼叫进行时添加事务信息的呼叫。 呼叫者被询问提示，系统接收来自呼叫者的语音和触摸音响应，系统确定VoicePrint是否适用（20）。 呼叫者响应由本发明以一种方法来管理，该方法确定呼叫者是否是授权的信用卡持有者，如果呼叫者不是授权的信用卡持有者，则本发明捕获可导致捕获和定罪的信息 来电者作为信用卡诈骗重罪。 本发明使用呼叫者的持卡人姓名的语音打印作为决定因素之一来确定呼叫者是否是授权的信用卡持有人（22）。 包含在本发明的权利要求中的VoicePrint独特且积极地识别了一个人，因此成为信用卡欺诈者的担心和定罪的宝贵工具和证据。 通过授权的信用卡持有者的VoicePrint的文件，本发明防止任何其他人除了获得批准的人员与该卡号进行信用卡交易。 即使没有VoicePrint，控制过程在限制欺诈风险方面也是非常有效的，本发明创建了呼叫者的VoicePrint，将该标识符与记录戳相关联，并且此后可以将该人称为作为呼叫者的人。 附加权利要求涉及将本发明用于安全和访问控制，包括收集肇事者的积极确定证据。