Abstract: A system is provided in which a person may use a Cellular (Mobile) Telephone, a PDA or any other handheld computer to make a purchase. This is an example only. The process may entail any type of transaction which requires authentication, such as any financial transaction, any access control (to account information, etc.), and any physical access scenario such as doubling for a passport or an access key to a restricted area (office, vault, etc.). It may also be used to conduct remote transactions such as those conducted on the Internet (E-Commerce, account access, etc.). In the process, a multifactor authentication is used.

Abstract: Monitoring health of dynamic systems includes using speaker recognition techniques. Some embodiments include determining a system-independent statistical (first) model, and determining a healthy system (second) model based on data representing vibrations of multiple healthy systems and the first model and speaker recognition techniques. Vibration data are obtained from a particular system. It is determined whether the particular system is unhealthy based on the vibration data from the particular system and the first model and the second model and speaker recognition techniques. Some embodiments include obtaining training data that represents vibrations of multiple healthy systems. A damage-sensitive parameter is based on the training data. A threshold value that separates damaged systems from healthy systems is based on the training data and the parameter.

Abstract: A system is provided in which a person may use a Cellular (Mobile) Telephone, a PDA or any other handheld computer to make a purchase. This is an example only. The process may entail any type of transaction which requires authentication, such as any financial transaction, any access control (to account information, etc.), and any physical access scenario such as doubling for a passport or an access key to a restricted area (office, vault, etc.). It may also be used to conduct remote transactions such as those conducted on the Internet (E-Commerce, account access, etc.). In the process, a multifactor authentication is used.

Abstract: The following is a system in which a person may use a Cellular (Mobile) Telephone, a PDA or any other handheld computer to make a purchase. This is an example only. The process may entail any type of transaction which requires authentication, such as any financial transaction, any access control (to account information, etc.), and any physical access scenario such as doubling for a passport or an access key to a restricted area (office, vault, etc.). It may also be used to conduct remote transactions such as those conducted on the Internet (E-Commerce, account access, etc.). In the process, a multi-factor authentication is used.

Abstract: Monitoring health of dynamic systems includes using speaker recognition techniques. Some embodiments include determining a system-independent statistical (first) model, and determining a healthy system (second) model based on data representing vibrations of multiple healthy systems and the first model and speaker recognition techniques. Vibration data are obtained from a particular system. It is determined whether the particular system is unhealthy based on the vibration data from the particular system and the first model and the second model and speaker recognition techniques. Some embodiments include obtaining training data that represents vibrations of multiple healthy systems. A damage-sensitive parameter is based on the training data. A threshold value that separates damaged systems from healthy systems is based on the training data and the parameter.

Abstract: The following is a system in which a person may use a Cellular (Mobile) Telephone, a PDA or any other handheld computer to make a purchase. This is an example only. The process may entail any type of transaction which requires authentication, such as any financial transaction, any access control (to account information, etc.), and any physical access scenario such as doubling for a passport or an access key to a restricted area (office, vault, etc.). It may also be used to conduct remote transactions such as those conducted on the Internet (E-Commerce, account access, etc.). In the process, a multi-factor authentication is used.

Abstract: The fields of biometrics and commerce can benefit from the aggressive compression techniques presented here. A novel approach to compressing the on-line handwriting signal without losing the dynamic information (i.e., velocity and order) is presented which provides the means to fit almost any signature sample within the 57-byte limit of one of the free magnetic strips on the back of conventional transaction cards such as credit or debit cards or other identity cards. The apparatus requires an on-line signature capture tablet capable of sampling the handwritten signature in a series of sampled X and Y coordinates. The compression method starts with segmenting the on-line handwriting signal into portions which may be approximated with a set of features from which the velocity and position may be reconstructed. These features are then compressed further using standard compression techniques. A Huffman coding technique is used to demonstrate this step.