公开(公告)号：US07512221B2

公开(公告)日：2009-03-31

申请号：US11046200

申请日：2005-01-28

Applicant: Alvin David Toms

Inventor： Alvin David Toms

IPC: H04M15/00 ,  H04M3/00 ,  H04M1/66

CPC classification number: G10L17/22 ,  G10L17/00 ,  H04M1/67 ,  H04M3/2218 ,  H04M3/2281 ,  H04M3/36 ,  H04M3/42059 ,  H04M2201/18 ,  H04M2201/40 ,  H04M2201/41 ,  H04M2203/6027 ,  H04M2207/206

Abstract: A system is disclosed for the automatic detection of fraudulent activity on a transaction network, for which each transaction over the network has an associated identifier. In one embodiment, the system includes voice comparison means for comparing a first sampled voice of a user of a first transaction with a subsequently sampled voice of a user of a subsequent transaction having an identical identifier to that of the first transaction. Control means in the form of a voice-based fraud detection engine is provided for determining, from said comparison, a profile of user usage that is representative of a total number of different users of the associated identifier. In a preferred embodiment, the system also includes voice sampling means for sampling a voice of the user of the first transaction to generate a first voice sample.

Abstract translation: 公开了一种用于自动检测交易网络上的欺诈活动的系统，网络上的每个交易都具有相关联的标识符。 在一个实施例中，系统包括语音比较装置，用于将第一事务的用户的第一采样语音与具有与第一事务的相同标识符的后续事务的用户的后续采样语音进行比较。 提供了基于语音的欺诈检测引擎形式的控制装置，用于从所述比较中确定代表相关标识符的不同用户总数的用户使用情况。 在优选实施例中，系统还包括用于对第一交易的用户的语音进行采样以产生第一语音样本的语音采样装置。

公开(公告)号：US20120271763A1

公开(公告)日：2012-10-25

申请号：US13452309

申请日：2012-04-20

Applicant: Alvin David Toms ,  Stephen Kai Chiu Sui

Inventor： Alvin David Toms ,  Stephen Kai Chiu Sui

IPC: G06Q40/00 ,  G06Q20/36 ,  G06Q20/32

CPC classification number: G06Q40/02 ,  G06Q20/027 ,  G06Q20/12 ,  G06Q20/3255

Abstract: Methods and systems of mobile remittance that are network-agnostic and that allow transfer of funds across any network, regardless of whether these networks have funds transfer agreements with each other. In accordance with aspects of the present invention, the methods and systems of mobile remittance transactions are easy to use and secure, and ensure that the mobile remittance reaches the intended recipient, regardless of whether the recipient is in an urban or rural area.

Abstract translation: 移动汇款的方法和系统是网络不可知的，允许跨任何网络转移资金，不管这些网络是否具有相互转移资金的协议。 根据本发明的方面，移动汇款交易的方法和系统易于使用和安全，并且确保移动汇款到达预期接收者，而不管接收者是在城市还是农村地区。