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: 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.