Abstract: The system employs the use of biometric authentication, a fraud control gateway and widget, and a point of sale sensor to restrict the use of credit cards or other financial tokens to authenticated actual owners of the card or token. The card or token holder will have biometric information entered into a database during an initiation or enrollment process, and subsequent uses of the card may be authenticated by comparing the biometric information of the attempted user to biometric information stored in the system. The biometric component is used for voice authentication. As part of a multi-factor security schema, the biometric authentication is combined with a series of point of sale and fraud control methods to ensure a comprehensive security umbrella for financial transactions. Both financial institution limits to transactions and consumer-preferred limits to transactions are employed.

Abstract: A quick response (QR) proxy and protocol gateway for interfacing with a carrier network, a QR-equipped device, and a contact center and contact center database is disclosed. A data link is connected to a carrier network to receive QR codes and other data. Additional data links are connected to a contact center database and a QR-equipped device to obtain information used in determining routing and tagging instructions. A user interface is connected to the gateway to accept configurable conditions for determining routing instructions. There is a text conversion function and speech conversion function for each target enterprise contact center. Synchronization between stored user preferences to automated or semi-automated customer service routes is provided by a consumer preference template system.