Abstract: The disclosed embodiments include methods and point-of-sale terminals for authenticating a user. The disclosed embodiments include, for example, a method for receiving, by one or more processors, authentication data from an authentication network, the authentication data including an authentication code identifying an authentication transaction associated with an authenticating partner system. The method may also include validating, by the one or more processors, the authentication data, the validating comprising comparing the authentication data with validation data corresponding to a prior authentication event associated with the user. The method may also include generating, by the one or more processors, validation information based on the validating, the validation information comprising a determination whether to validate the user for the authentication transaction. The method may also include providing, by the one or more processors, the validation information to the authentication network.

Abstract: A telephone call processor for processing telephone calls comprising voice signals and data signals, the call processor comprising a first telephone interface and a second telephone interface, the call processor being operable in a first mode and in a second mode. In the first mode, the call processor is adapted to receive voice signals and data signals at the first telephone interface and to transmit voice signals and data signals via the second telephone interface. In the second mode, the call processor is adapted to receive voice signals and data signals at the first telephone interface, to block data signals from being transmitted via the second telephone interface and optionally to transmit voice signals via the second telephone interface.

Abstract: A system and method for linking data objects and physical objects of various kinds to an identified user is described. The system provides to the identified user information relating to the delivery status of mail pieces directed to or sent by the user, and the user then tracks and traces the mail pieces. The system further provides to the identified user information relating to continued sessions through which the user provides to a postal service system information relating to mailing labels and postage.

Abstract: A telephone call processor for processing telephone calls comprising voice signals and data signals, the call processor comprising a first telephone interface and a second telephone interface, the call processor being operable in a first mode and in a second mode. In the first mode, the call processor is adapted to receive voice signals and data signals at the first telephone interface and to transmit voice signals and data signals via the second telephone interface. In the second mode, the call processor is adapted to receive voice signals and data signals at the first telephone interface, to block data signals from being transmitted via the second telephone interface and optionally to transmit voice signals via the second telephone interface.

Abstract: Techniques for safe food ordering by voice while driving are described. A customer driving a vehicle decides to order food from a restaurant. The customer launches a food-ordering app on the customer's smartphone. The app detects that the vehicle is moving, disables manual input into the smartphone, and connects to a terminal at a call center. A customer service representative (“CSR”) at the call center communicates with the customer using spoken language to obtain the details of the food order, enters the food order into an ordering system, and transmits the food order via the ordering system to the restaurant for fulfillment. Finally, the customer picks up the ordered food at the restaurant, possibly using a drive-thru window at the restaurant. Thus, the customer is able to complete an order for food without having to stop driving and without averting their eyes from the road.

Abstract: Systems and methods for managing and providing content and services on a network system. Aspects of the invention include location-based determination of network content and services that may be provided to client computers. Other aspects of the invention include authorization and authentication components that determine access rights of client computers. Additional aspects include systems and methods for redirecting client computers to different network content. The disclosed systems and methods may be used in numerous network system applications.

Abstract: Apparatus and methods are provided for using automatic speech recognition to analyze a voice interaction and verify compliance of an agent reading a script to a client during the voice interaction. In one aspect of the invention, a communications system includes a user interface, a communications network, and a call center having an automatic speech recognition component. In other aspects of the invention, a script compliance method includes the steps of conducting a voice interaction between an agent and a client and evaluating the voice interaction with an automatic speech recognition component adapted to analyze the voice interaction and determine whether the agent has adequately followed the script. In still other aspects of the invention, respective data for specific interactions, including voice records or panels, transcribed text equivalents to such voice records or panels, and/or script text governing such voice records or panels, can be forwarded to one or more respective clients.

Abstract: One embodiment of the invention includes a method and system to obtain data for fees and surcharges charged by multiple providers for multiple services based on prior interactions with the service providers, and provide an estimate for fees and surcharges to be charged by one of the service providers for one of the services based on the prior interactions with the service providers. In one embodiment, the fee data is extracted from one of electronic publishing of fees, billings for services rendered, and employee expense reports. In one embodiment, the estimated fees and surcharges include restricted access to a first subset of data to a first predetermined group.

Abstract: A method of processing multi-media service requests received at a multi-media services provider computer system, including a processor coupled to a media gateway controller and to a media server. The method includes receiving a message from a SIP INVITE-enabled communication device at the media gateway controller. The message is processed at the media gateway controller for generating an instruction message with unique indicators, which is communicated to the media server in a SIP INVITE format. The media server processes the instruction message to provide media services and collect user-information from the communication device. The media server processes the user-information and generates a first message in an HTTP form POST format with unique indicators, which includes the user-information and which can be processed at the processor. In this manner, the multi-media services provider computer system is compatible with the SIP INVITE-enabled device.

Abstract: Methods, systems and apparatus are provided including a proximity payment device reader which includes a reader control program. A first process is executed upon receipt of an activation signal indicating the initiation of a transaction involving a proximity payment device with the reader, the first process causing at least a first signal to be transmitted to a second process, the second process causing the transmission of at least a second signal to the proximity payment device through a transceiver. In some embodiments, the processes may be executed to compare application data received from the payment device to data stored in a transaction log to determine if the proximity payment device was involved in an interrupted transaction. If the proximity payment device was involved in an interrupted transaction a signal is transmitted to the proximity payment device to attempt to retry the interrupted transaction.

Abstract: The method and system of the invention provide a variety of techniques for using a selected alias and a selected personal identification entry (PIE) in conjunction with use of a transaction card, such as a credit card, debit card or stored value card, for example. A suitable number or other identification parameter is selected by the account-holder as an alias. The account-holder is then required to choose a PIE for security purposes. The alias is linked to the account-holder's credit card number via a database. When the account-holder enters into a transaction with a merchant, the physical card need not be present. The account-holder simply provides his or her alias and then the PIE. This can be done at any point of sale such as a store, catalog telephone order, or over the Internet. The alias and PIE are entered and authorization is returned from the credit card company.

Abstract: Systems, methods, and devices for providing and managing electronic event tickets are provided. For example, a device for managing an electronic event ticket may include a processor configured to run an electronic ticket management application, a memory device configured to store data associated with the electronic ticket management application, an electronic display configured to display at least a portion of the data associated with the electronic ticket management application, and an input/output interface configured to receive an electronic ticket and the data associated with the electronic ticket for management by the electronic ticket management application. The electronic ticket management application may be configured to enable the electronic device to gain entry to an event and to obtain at least one other event-related benefit after the electronic ticket is received by the input/output interface.

Abstract: A secure online banking transaction apparatus to communicate with a server over a non-secure connection is provided and includes a selector configured to allow for a selection of a mode of the apparatus, a processing unit coupled to the selector and including a secure communication unit, which is configured to set up a secure connection, along which a secure transaction occurs, with the server via the non-secure connection in accordance with the mode, an input unit coupled to the processing unit and configured to allow for a input of data into the apparatus, which is at least partly related to the secure transaction, and an interface coupled to the processing unit and configured to convey at least a status of the secure transaction and the contents off the inputted data.

Abstract: In a method of processing customer applications at an event, an application is received from a customer on a customer interface computer. The data in said application is verified on the customer interface computer and encrypted. The encrypted data is transmitted wirelessly to a portal computer via a private wireless network, and then transmitted to a processing computer system for approval of the application.

Abstract: A portable consumer device includes a base, and a computer readable medium on the base. The computer readable medium comprises code for an issuer verification value and a supplemental verification value. The issuer verification value is used by an issuer to verify that the portable consumer device is authentic in an on-line transaction and the supplemental verification value is used to verify that the portable consumer device is authentic in an off-line transaction.

Abstract: Transaction processing involves receiving data from an access transaction application of a portable consumer device, wherein the received data comprises data from an access transaction data string that includes a transit verification value wherein, with the exception of the transit verification value, the access transaction data string is substantially similar to a retail data string comprising retail data, wherein the access application data string is adapted for use with an access transaction processing system and the retail data string is adapted for use with a retail processing system. The transaction processing involves processing access transaction application data for selective authorization of the transaction.

Abstract: Disclosed are systems and methods for establishing a personal identification number (PIN). The systems and methods provide techniques to begin a remote session with a customer, prompt the customer to select a PIN to associate with a financial account card during the remote session, and receive the PIN from the customer during the remote session.

Abstract: Techniques in a wireless device for use in accessing a common data application with a service network which is external to a plurality of wireless networks are described. The device receives a data session configuration file which includes a list of the plurality of wireless networks mapped against authentication credentials associated with each wireless network. The device communicates with a current one the wireless networks. The device selects from the list one of the authentication credentials that is associated with the current wireless network. The device submits, via the current wireless network, the selected authentication credentials for establishing a packet data session via the current wireless network. The device then accesses, via the current wireless network using the packet data session, the common data application with the service network which is external to the current wireless network.

Abstract: A system for improving transaction security based on location information. The system includes a transaction processing center in communication with a first transaction device and a second transaction device. The transaction processing center includes a receiver that receives respective identification and location from at least one of the first and second transaction devices. The transaction processing center also includes a transaction processor that validates the identifications, validates the locations, and executes a transaction between the first and second transaction devices when the identifications and locations are validated.

Abstract: In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.

Abstract: A portable consumer device includes a base, and a computer readable medium on the base. The computer readable medium comprises code for an issuer verification value and a supplemental verification value. The issuer verification value is used by an issuer to verify that the portable consumer device is authentic in an on-line transaction and the supplemental verification value is used to verify that the portable consumer device is authentic in an off-line transaction.

Abstract: The system and method performing secure online-transactions based on challenge/response procedures executed by a terminal of at least one customer and by a terminal of a service provider, such as a bank, which terminals are connected to a network, preferably the Internet.

Abstract: In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.

Abstract: Transaction processing involves receiving data from an access transaction application of a portable consumer device, wherein the received data comprises data from an access transaction data string that includes a transit verification value wherein, with the exception of the transit verification value, the access transaction data string is substantially similar to a retail data string comprising retail data, wherein the access application data string is adapted for use with an access transaction processing system and the retail data string is adapted for use with a retail processing system. The transaction processing involves processing access transaction application data for selective authorization of the transaction.

Abstract: Disclosed are systems and methods for establishing a personal identification number (PIN). The systems and methods provide techniques to begin a remote session with a customer, prompt the customer to select a PIN to associate with a financial account card during the remote session, and receive the PIN from the customer during the remote session.

Abstract: Methods and apparatus in a wireless device for use in maintaining appropriate authentication credentials for receiving a message service provided by a service network which is external to a wireless network are described. The wireless device receives, via the wireless network, a data session configuration file which includes a list of a plurality of wireless networks mapped against authentication credentials associated with each said wireless network. The list includes authentication credentials associated with the wireless network. The wireless device submits, via the wireless network, the authentication credentials for establishing a data session via the wireless network. Then, the wireless device receives, in the data session via the wireless network, the message service provided by the service network.

Abstract: Methods and apparatus of a wireless portable communication device for maintaining appropriate authentication credentials for accessing a data application maintained in a service network are provided. A default access point name (APN) or network access identifier (NAI) is maintained in memory of the wireless device. The wireless device submits, via a default wireless network, the default APN or NAI for establishing a data session in the default wireless network. The wireless device is then able to receive, in the data session via the default wireless network, a message service using the common data application maintained in the service network. In response to a change in service subscription for the wireless device, the wireless device receives, via a current cellular network, a current APN or NAI and stores it in its memory. The wireless device then submits, via the current wireless network, the current APN or NAI for establishing a data session in the current wireless network.

Abstract: An apparatus equipped with Radio Frequency Identity (RFID) reader and LAN/WAN access reads an RFID tag attached to a Video and Voice Over Internet Protocol (VoIP) phone. The apparatus retrieves phone information, including such information as an Ethernet Media Access Control (MAC) address from the RFID tag and requests that a VoIP call server register the phone automatically. A VoIP service operator can register multiple phones without opening phone packaging. Additional information such as a directory number (DN) or a phone user name can be associated with the phone during the registration process using the apparatus.

Abstract: The disclosure relates to transfer of a user equipment from a network to another network. In the method a user equipment communicating with a first network is transferred from the first network to a second network providing resources to a plurality of operators. After initiation of the transfer, an operator is selected for the user equipment amongst the plurality of operators. A controller of the second network is then provided with information regarding the identity of the selected operator, and the user equipment is transferred to the second network. Information regarding the identity of the selected operator is also sent to the user equipment.

Abstract: A dial tone generator outputs a particular dial tone to a party to indicate that a call block feature is enabled for the party. The call block feature is disabled for the party in response to a number of incoming calls for the party being greater than or equal to a threshold.

Abstract: A method (200) and an apparatus (300) in a wireless portable communication device (102) for maintaining appropriate authentication credentials required for a common data application in a current service network are provided. A method (400) in a wireless communication network (106) for providing current authentication credentials required for the common data application accessible through the wireless communication network (106) is also provided. The wireless portable communication device (102) has default authentication credentials required for the common data application in a default service network (106), receives (204) a data session configuration file including authentication credentials based upon a predetermined condition, prioritizes (206) between the default authentication credentials and the received authentication credentials, and uses (208) the authentication credentials having higher priority for the common data application in the current service network (110).

Abstract: Electronic means of payment require specific procedures concerning the use thereof as well as set security features. Disclosed is a means of payment allowing the user to add individual security features, comprising the use of specific devices that are available to the user, the purchasing procedure, and additional general conditions pertaining to purchasing goods and services. The electronic means of payment can combine existing payment systems by making the payment systems selectable and allowing individual security features to be adjusted. The popular credit card can become far more secure when purchasing goods and services by combining the credit card with devices providing increased security, for a mobile phone, and adequate general conditions. The user of the means of payment can make payments in an individual manner according to the individual merchandise or service that he/she would like to purchase.

Abstract: An apparatus including a memory device for storing a limitation or restriction on an account use received via the Internet and/or World Wide Web and a processing device for determining whether a transaction on the account or a use of a wireless or cellular communication device is authorized, allowed, or disallowed. An apparatus including a processing device for processing information regarding a banking transaction or use of a wireless or cellular communication device and generating a signal containing information regarding the transaction or device use and a transmitter for transmitting the signal to a communication device. An apparatus including a processing device for processing transaction information and generating a signal containing transaction information, and a transmitter for transmitting the signal to a communication device via the Internet and/or World Wide Web independently of transaction processing by a central transaction processing computer.

Abstract: A method and system for receiving, logging, answering, controlling, and forwarding calls from radio or other promoter call-in contestants, wherein said method provides an efficient means for controlling call-in contests. Radio call-in contests are the most typical, but the method applies to other types of promotions, such as direct mail, store banners and print ads. The system consists of a voice vendor, web server, database, telecommunications, and application software to control and count the calls and to provide administrative functions. Every caller receives a positive response, acknowledgement and notification of the caller number, and an opportunity to obtain other benefits, such as discounted items. Only the winning caller is forwarded to the radio station. The radio station only needs to answer to the winning caller.

Abstract: A battery recycle system includes a vending machine for vending secondary batteries. The vending machine has therein a telecommunication terminal connected to a server provided in a secondary battery for receiving information of minimum quality of a typical used secondary battery. Upon receiving a used battery from a user, the vending machine supplies a charged battery to the user at a reduced cost corresponding to the quality of the used battery. The used battery is charged and stocked for a next user.

Abstract: A transaction security apparatus and method including an input device for inputting transaction data, a processing device for processing the transaction data and for generating a first signal corresponding to the transaction, and a transmitter for transmitting the first signal over a communication network directly to a communication device associated with an individual account holder. The communication device provides notification to the individual account holder of the transaction.

Abstract: Terminating number screening to block portable billing products from terminating to a designated high fraud domestic or international terminating numbers. When a call is placed and it is billed to a portable billing product, the dialed digits of the terminating number is verified against the terminating number screening database. If the sequence of dialed digits is found in the terminating number screening database, the call is denied. The caller is then informed that they cannot place a call to this destination and asked if there is another terminating number they wish to call. If the sequence of dialed digits is not found in the terminating number screening database, the call is allowed to process without interruption. The purpose of this functionality is to protect the Operator Service network from repeated fraudulent calling to individual telephone line numbers either international or domestic.

Abstract: A telephone system for travel card users where the users may program a switch processor so that it completes, re-routes, or refuses to complete calls as predetermined by the customer. Data is captured as it is transferred from the switching module to an internal buffer and is fed through a digital communications path and an analog-to-digital and digital-to-analog converter to a switching station computer. The switching station computer is in communication with a data storage server computer and the data storage server computer is in communication with remote telephones and with computers and facsimile machines in remote customers' offices. The switching station computer is thus programmable by the customer and incoming calls are handled as predetermined by the customer. A voice response device provides verbal communication between the system and its users.

Abstract: A system D interfaces with a multiplicity of individual terminals T1-Tn of a telephone network facility C, at the terminals callers are prompted by voice-generated instructions to provide digital data that is identified for positive association with a caller and is stored for processing. The caller's identification data is confirmed using various techniques and callers may be ranked and accounted for on the basis of entitlement, sequence or demographics. Callers are assigned random designations that are stored along with statistical and identification data. A break off control circuit may terminate the computer interface aborting to a terminal for direct communication with an operator. Real-time operation processing is an alternative to stored data. The accumulation of stored data (statistical, calling order sequence, etc.) is variously processed and correlated as with developed or established data to isolate a select group or subset of callers who can be readily identified and reliably confirmed.

Abstract: A call intercept process (CIP) for calling card calls originating from an international country and terminating at an international high fraud country. When a call is placed via a calling card and terminates to a high fraud terminating location, the call is first screened against a database to determine if the termination is in fact, a high fraud country. Regardless of whether this screening is implemented, the call is routed to a first level operator in order to verify the billing account information of the caller as an authorized user. This verification is based on customer and business name, address, zip code, and phone number. If the caller passes verification, a CIP process automatically overrides the calling card from any future Intercepts. If caller fails account verification, the a CIP process automatically places the card in a ‘LOCKED STATUS MODE’ which mode indicates that any additional calls based on that card be intercepted regardless of termination.

Abstract: A telephone transaction processing system is disclosed. Processing of telephone transactions, such as credit card transactions, financial account debiting, or information collection, is facilitated by an agent that may be integrated into the transport of the carrier as an enhanced service, the telephone network of a local or long distance company, or a private branch exchange or computer or separate processor supporting said telephone call. The agent may be invoked through touch tones or voice commands by any party on a completed telephone call and may be invoked multiple times during a conversation.

Abstract: A telephonic-interface lottery system D interfaces with a multiplicity of individual terminals T1-Tn of a telephone network facility C to enable lottery players to call and play for at least one additional chance to possibly win by dialing a pay-to-dial telephone number indicated on a “scratch-off” or online game lottery ticket for use in the system. At the terminals, callers are prompted by voice-generated instructions to provide digital data, such as their telephone number, age, social security number, and/or drivers license number. In addition, the sequence number of the caller as well as the date and time of the call is recorded for positive association with a caller and is stored for processing. The caller's identification data is confirmed using various techniques and callers may be ranked and accounted for on the basis of entitlement-and sequence.

Abstract: A telephone system for travel card users where the users may program a switch processor so that it completes, re-routes, or refuses to complete calls as predetermined by the customer. Data is captured as it is transferred from the switching module to an internal buffer and is fed through a digital communications path and an analog-to-digital and digital-to-analog converter to a switching station computer. The switching station computer is in communication with a data storage server computer and the data storage server computer is in communication with remote telephones and with computers and facsimile machines in remote customers, offices. The switching station computer is thus programmable by the customer and incoming calls are handled as predetermined by the customer. A voice response device provides verbal communication between the system and its users.

Abstract: A system D interfaces with a multiplicity of individual terminals T1-Tn of a telephone network facility C, at the terminals callers are prompted by voice-generated instructions to provide digital data that is identified for positive association with a caller and is stored for processing. The caller's identification data is confirmed using various techniques and callers may be ranked and accounted for on the basis of entitlement, sequence or demographics. Callers are assigned random designations that are stored along with statistical and identification data. A break-off control circuit may terminate the computer interface aborting to a terminal for direct communication with an operator. Real-time operation processing is an alternative to stored data. The accumulation of stored data (statistical, calling order sequence, etc.) is variously processed and correlated as with developed or established data to isolate a select group or subset of callers who can be readily identified and reliably confirmed.

Abstract: For use with a public telephone network CO incorporating a vast number of terminals Tl-Tn, a system CS limits and controls interface access to implement voice-digital communication for statistical processing. The system CS accommodates calls in different modes, e.g. “800”, “900” or area code and incorporates qualifying apparatus to restrict against caller misuse. Alternative calling modes are used to reach an interface facility that also affords some control based on calling terminal identification, e.g. as by ANI equipment.

Abstract: A voice enhanced phone card which allows a caller to place a call by voice activated dialing only when the caller desires it is presented. A caller places a call using a standard calling card switch number and enters a predetermined service code. The voice enhanced phone card system recognizes the service code, and using known telephone switching capabilities, switches the call to a voice activated dialing system at a main feature point in the voice activated dialing system call flow. The call is then connected to a destination using the voice activated dialing routine.

Abstract: A telephone transaction processing system is disclosed. Processing of telephone transactions, such as credit card transactions, financial account debiting, or information collection, is facilitated by an agent that may be integrated into the transport of the carrier as an enhanced service, the telephone network of a local or long distance company, or a private branch exchange or computer or separate processor supporting said telephone call. The agent may be invoked through touch tones or voice commands by any party on a completed telephone call and may be invoked multiple times during a conversation.

Abstract: A least cost call routing system operates in conjunction with one or more telephones disposed in a location to provide least cost telephone call routing using a selected one of a number of commercial telephone carriers. A central server stores a plurality of telecommunications carriers and associated billing rates. A user's computer registers with the central server by providing certain user identification information. The central server generates a customized database of telecommunications carriers and associated billing rates for the user in response to the location of the user. The customized database is stored on the user's PC for use in routing telephone calls along a least cost route. The central server establishes an account for the user at each of the telecommunications carriers in the user's database. The user's PC periodically contacts the central server to receive updates to the customized database.

Abstract: A telephone transaction support system includes a transaction register unit for registering, in a database, contents of a transaction requested by a customer over a telephone, and a deciding unit for deciding on an approval support unit among a plurality of approval support units at random, the approval support unit being used to approve contents of a transaction, whereby the approval support unit decided on at random is used to approve the transaction registered in the database. A telephone transaction support system which supplies to an operator information regarding a transaction in a conversation with a customer over a telephone includes a detecting unit for detecting an actual state of service of an operator dealing with the customer based on the information supplied thereto, and an estimate data generating unit for generating estimate data based on the actual state of the service of the operator detected by the detecting unit.

Abstract: An amenity accessing system is provided that includes an access telephone (10) with a plurality of access keys. The telephone includes a line powered card reader (62) that interfaces with a CPU (60). Information stored in a memory (70) can then be output in response to a good card received by the card reader (62), this information being in the form of a calling string. The calling string is output to a switched network (22) and a store-and-forward switch (20). The store-and-forward switch (20) is operable to receive the calling string containing information as to the user's ID, credit card information, location of the access phone (10) and other relevant data. This billing information is validated at the store-and-forward switch (20) and, upon validation, an authorization code is then transmitted through a switched network (22) to one of various amenities (24)-(40).