Abstract: A pre-registration procedure is utilized to create a user profile for a user of a multi-factor authentication (“MFA”) service. A client application installation procedure is utilized to install a client application on a computing device that is to be utilized as an authentication factor for the MFA service. A computing device enrollment procedure is utilized to enroll the computing device on which the client application was installed for the MFA service. A voice enrollment procedure is utilized to create a voice print for the user of the computing device that is to be utilized as an authentication factor for the MFA service. An authentication procedure is utilized to provide multi-factor authenticated access to a service, such as an online service that provides access to sensitive account information.

Abstract: A user's identity is authenticated by evaluating the identity of the user using a plurality of authentication techniques, the plurality of authentication techniques generating a plurality of numerical confidence indicators, respectively, of the identity of the user, associating a plurality of authentication technique weights with the plurality of numerical confidence indicators, respectively, and calculating a weighted combination of the respective numerical confidence indicators using the plurality of authentication technique weights to generate a composite numerical confidence indicator of the identity of the user.

Abstract: A pre-registration procedure is utilized to create a user profile for a user of a multi-factor authentication (“MFA”) service. A client application installation procedure is utilized to install a client application on a computing device that is to be utilized as an authentication factor for the MFA service. A computing device enrollment procedure is utilized to enroll the computing device on which the client application was installed for the MFA service. A voice enrollment procedure is utilized to create a voice print for the user of the computing device that is to be utilized as an authentication factor for the MFA service. An authentication procedure is utilized to provide multi-factor authenticated access to a service, such as an online service that provides access to sensitive account information.

Abstract: A method of authenticating an entity includes associating a local identity of the entity with a global identity of the entity, the local identity being associated with a first one of a plurality of restricted access zones, associating the global identity of the entity with particular ones of the plurality of restricted access zones for granting access to the particular ones of the plurality of restricted access zones, receiving an authentication request from the entity to access a second one of the plurality of access zones where the authentication request includes the local identity of the entity, and authenticating the entity for access to the second one of the plurality of access zones responsive to receiving the authentication request when the second one of the plurality of restricted access zones is one of the particular ones of the plurality of restricted access zones that are associated with the global identity of the entity,

Abstract: A user's identity is authenticated by evaluating the identity of the user using a plurality of authentication techniques, the plurality of authentication techniques generating a plurality of numerical confidence indicators, respectively, of the identity of the user, associating a plurality of authentication technique weights with the plurality of numerical confidence indicators, respectively, and calculating a weighted combination of the respective numerical confidence indicators using the plurality of authentication technique weights to generate a composite numerical confidence indicator of the identity of the user.

Abstract: A method for providing a service over a communications network includes interacting, by a first networked communications apparatus, with a second networked communications apparatus. The second networked communications apparatus interacts with the first networked communications apparatus according to a script based on information received from a remote requesting party. The remote requesting party interacts over the communications network with the second networked communications apparatus according to the script.

Abstract: A communications system obtains verification of an expected identity of a party from a remote centralized biometric system over a communications network. A forwarder forwards, over the communications network to the remote centralized biometric system when the party attempts to obtain a service using the communications system, a biometric sample from the party and information characterizing the expected identity of the party. A receiver receives, over the communications network from the remote centralized biometric system, verification that the biometric sample matches biometric information obtained by the remote centralized biometric system from a storage such that the expected identity of the party is verified as the identity of the party. The service is provided contingent on verification of the expected identity of the party as the identity of the party.

Abstract: A system and method are disclosed for providing access to an interactive service offering. A method incorporating teachings of the present disclosure may include receiving a first communication in a format that complies with a first protocol. The first communication may be associated with a desired interaction between a first device and a voice activated service (VAS) platform. The method may also include receiving a second communication in a different format that complies with a different protocol. The second communication may be associated with a desired interaction between a different device and the VAS platform. A system implementing the method may recognize that a platform does not support the first protocol, and translate the first communication to a platform-supported format to facilitate the desired interaction.

Abstract: An individual's identity is verifiable using voice biometrics. A voice biometric system includes a receiver configured to receive, from a remote communications device, a voice biometric sample of a party attempting to obtain a service from a remote system. The service is provided contingent on authentication of the party as the individual. The voice biometric system also includes a processor configured to compare the voice biometric sample received by the receiver to voice biometric information obtained from a storage to authenticate the identity of the party as the individual. The receiver and processor are provided within a communications network.

Abstract: Methods and apparatus to provide an electronic agent are disclosed.

Abstract: Methods and apparatus to certify digital signatures are disclosed. An example method includes receiving a request to certify a digital signature from a user, receiving information about a physical characteristic of the user, comparing the information about the physical characteristic to stored physical characteristic information, and based on the comparison, at least one of certifying the digital signature based on the comparison or requesting certification of the digital signature based on the comparison.

Abstract: A method for providing a service over a communications network includes interacting, by a first networked communications apparatus, over the communications network with a remote requesting party according to a script. The method also includes interacting, by the first networked communications apparatus, with a second networked communications apparatus according to the script based on information received from the remote requesting party.

Abstract: Electronic coupon systems and methods to operate the same are disclosed. A disclosed example coupon management system includes a processor to determine an applicable coupon for an item to be purchased, and a network interface to receive a coupon selection from a remotely located user device, and to send the coupon to a remotely located point-of-sale terminal, wherein the point-of-sale terminal is to identify the item to be purchased and to apply the identified coupon to the item to be purchased.

Abstract: An audio content item, submitted by and spoken in a voice of an author, is received and registered along with an insertion point and associated content information. An audio advertisement submitted by an advertiser is received and registered. At least one targeting criterion is associated with the audio advertisement. User information and at least one content pushing criterion are stored for a user. Without being selected by the user, the audio content item is automatically selected for pushing to the user based on the content information satisfying the at least one content pushing criterion. The audio advertisement is automatically selected for insertion at the insertion point based on the content information and the user information satisfying the at least one targeting criteria. A package that includes the audio content item with the audio advertisement inserted at the insertion point is created and pushed to the user.

Abstract: Systems and methods are describe wherein a service provider provides media services that can include, but are not limited to, telephone, radio, interactive and television services. A user residence and/or a user receiving device are designated as a primary location or device for receiving the services of the service provider. An authorization center authenticates a request to provide the service(s) at one or more secondary location/device. The verification process can include, but is not limited to, password(s), Personal Identification Numbers (PIN) and biometric identifiers such as voice, retina, finger print and DNA.

Abstract: A method for using an update engine to promulgate a transaction tool to a recipient. The method may include the steps of: generating a transaction tool operation request signal wherein the transaction tool operation request signal includes a request for a new transaction tool and/or an updated transaction tool, transmitting the transaction tool operation request signal to a transaction tool issuer, receiving a transaction tool update signal from the transaction tool issuer wherein the transaction tool update signal includes a new transaction tool and/or an updated transaction tool, determining the recipient, and transmitting the transaction tool update signal to the recipient.

Abstract: A centralized biometric system for verifying the identity of a user over a communications network includes a device that stores biometric information in association with information that identifies users. The system further includes a receiver that receives, from a media content presentation device via a communications network, a biometric sample provided by a user requesting media content from a provider. The provider delivers the media content requested by the user from the communications network to the media content presentation device for receipt by the user contingent upon the identity of the user being verified. The system further includes a processor that compares the biometric sample provided by the user to stored biometric information of the user. The processor verifies the identity of the user upon a sufficient correspondence between the biometric sample provided by the user and the stored biometric information of the user.

Abstract: A centralized biometric system is provided for verifying an individual's identity over a communications network. The centralized biometric system includes a receiver that receives, from a remote communications system, a biometric sample from a party attempting to obtain a service using the remote communications system. The service is provided contingent on authentication of the party as the individual. The system also includes a processor that compares the biometric sample to biometric information obtained from a storage to authenticate the identity of the party as the individual. The receiver and the processor are within a centralized system in the communications network.

Abstract: A change management system coordinates information of a transaction tool managed by a transaction tool management system. The system includes a receiver that receives, over a communications network, activity information and/or lifecycle event information for the transaction tool. The system also includes a storage that stores the received information. Additionally, the system includes a processor that manages a change in a status of the transaction tool based on the received information.

Abstract: Inter-process communications between a first process and a second process are secured. A first process recognizes that inter-process communications must be initiated with a second process. A first computer that supports the first process submits a request to initiate inter-process communications with a second computer that supports the second process. The second computer replies to a request to initiate inter-process communications by replying to the first computer with a request for information of a digital certificate that authenticates the first process.