Abstract: Dynamic, personalized and adaptive feedback during pronunciation assessment of a non-native language. Multiple utterances are first input to a trained machine including multiple instances of a phoneme. The instances of the phoneme are processed and a base level of proficiency is determined for sounding the phoneme. A second instance of the phoneme is input and feedback is presented responsive for the current level of proficiency for sounding the phoneme relative to the base level of proficiency. Then, the current level of proficiency for sounding the phoneme is determined considering the level of proficiency of the second instance. The feedback may be presented to the user as a discrete audio-visual output responsive to the current level of proficiency for sounding the phoneme relative to the base level of proficiency.

Abstract: A method for electronic transaction method comprising: selling by a Credit Provider to a Service Provider credit vouchers, each voucher associated with a predetermined value and all the credit cards parameters; electronically distributing by the Service Provider of the vouchers to Merchants, who sell vouchers to End Users, for the End Users to use the vouchers in commercial transactions.

Abstract: A transaction system and method for conducting financial transactions, cooperating with a mobile telephony network adapted to provide telephony services to a plurality of mobile phones is disclosed.