Abstract: A process for authenticating a user to control remote access to a service, data base or data network is provided, in which during an enrollment step, an initial voice sample provided by the user is analyzed to obtain an initial user-specific voice profile and, in a later verification step, a current voice sample of the user is analyzed and compared to the initial voice profile to generate an access control signal. An additional user-dedicated authentication is generated in a pre-enrollment period, and the additional authentication is used to authenticate the user in the enrollment step and/or in an access control step prior to and independent on the enrollment step, in a provisional or supplementary authentication procedure.

Abstract: Method for communicating data using a public mobile telecommunications or data network, to grant a remote user access to a safe financial transaction service, the method comprising inputting a voice sample of a user requesting access to the service at a mobile terminal, transmitting the voice sample data to a remote voice authorization server, which is directly linked to a transaction processing server governing a debitable and creditable user account, analyzing the voice sample data at the voice authorization server vis-a-vis pre-stored voice profile data, and outputting an access control signal granting or rejecting the request access, in response to the result of the analysis, to the transaction processing server.

Abstract: A process for authenticating a user to control remote access to a service, data base or data network is provided, in which during an enrolment step, an initial voice sample provided by the user is analyzed to obtain an initial user-specific voice profile and, in a later verification step, a current voice sample of the user is analyzed and compared to the initial voice profile to generate an access control signal. An additional user-dedicated authentication is generated in a pre-enrolment period, and the additional authentication is used to authenticate the user in the enrolment step and/or in an access control step prior to and independent on the enrolment step, in a provisional or supplementary authentication procedure.

Abstract: A virtual credit card, as a set of data, free of a physical substrate, the data being adapted to authorize a person who is in possession thereof to pay for a product or service, in particular in the framework of an online transaction, the data set being produced on the basis of a credit card account or a pre-payment and in response to a user authentication procedure involving an evaluation of biometric features of a user, in particular of his/her voice profile, and being available at a telecommunication terminal, in particular a mobile phone, of the authenticated user.