Verizon Patent and Licensing Inc.

Mci Communications Corporation

Verizon Business Global LLC

Thomas J Herder

Michael C Kirchner

David C Scharf

A validation scheme for use with a transaction card such as a calling card, et cetera, using personalized biometric profile data that is inherently coupled to the card owner/user. A configuration process is used for populating a profile database with sample voice or other biometric responses elicited from the owner/user in response to a plurality of questions relating to information uniquely linked to the user such as, e.g., name, age, hobbies, et cetera, or biometric responses such as fingerprints, retinal scans, and palm prints, or implanted ID chips. When a transaction is attempted using the transaction card, a determination is made if a voice profile validation is required for authentication. If so, a question from the plurality of questions used in the configuration process is randomly selected and directed to the user for a response. Access is provided only if a match between the response and corresponding sample is found. In a passive mode, the validation scheme may be utilized as an auxiliary fraud prevention scheme in addition to existing authentication systems.

Secure transaction card using biometrical validation

A TCP/IP-based client-server interface for sending service requests from a client computer to a Network Information Distribution Services server. The TCP/IP-based client-server interface is an easily implemented and economical alternative to the proprietary UDP/IP-based client-server interface developed for communication between client computers and Network Information Distribution Services servers. A service request is sent to a specific TCP/IP logical port associated with a particular type of service. A process associated with the specific TCP/IP logical port formats the request in the same manner as requests received through the proprietary UDP/IP-based client-server interface are formatted, and then directs the formatted requests to the Network Information Distribution Services server process that executes the requests.

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Cedar Rapids, IA, United States of America

Thomas J Herder