VOICE RECOGNITION ALERTS(V.R.A)

Abstract

Voice Recognition Alerts is designed to combat an unauthorized online account usage and transactions. It is an additional transaction and account management security system that will be required by the various financial institutions, online payment systems, online healthcare accounts and other online accounts that contain or require user personal information such as, full name, date of birth, social security and driver's license to confirm the validity of all transactions as well as account authentication before granting access. The verification process involves making a voice recording of an answer to a selected security question on file. The account holder will then be asked to confirm transactions by verbally providing an answer to the security question. If the answer and the voice match the one recorded on file, account access or transaction will be approved. If neither the voice nor the answer matches the one file, account or transaction will be declined.

Claims

I. (canceled)

II. (canceled)

III. (canceled)

IV. (canceled)

V. (canceled)

VI. The said invention will allow the account holder to select a security question and provide an answer to the security question in voice recording form. The voice recorded answer, will be saved on file for verification purposes.

VII. (canceled)

VIII. (canceled)

IX. (canceled)

X. (canceled)

XI. (canceled)

XII. (canceled)

XIII. (canceled)

XIV. (canceled)

XV. (canceled)

XVI. (canceled)

XVII. The said invention will allow mobile phone users to select a security key on their smartphone during the registration of their sim cards. In case of an emergency where the account holder's life is in danger, the security key will be pressed three times instantly followed by their country's emergency line or short code to activate the user's location.

XVIII. (canceled)

XIX. The said invention allows smartphone users to track a suspicious caller with the Voice Recognition alert app by logging into the VRA app and follow the system instructions.

XX. (canceled)

XXI. (canceled)

XXII. (canceled)

XXIII. (canceled)

XXIV. (canceled)

XXV. The said invention will allow users to use their voice to withdraw cash and make deposit with ATM machine.

XXVI. The said invention allows users to be able to detect gun carriers at facilities and lock the door on them

XXVII. The said invention will allow user to be able to vote with their voice.

Description

DESCRIPTION OF FIGURES

[0086] From FIG. 1-FIG. 11(Original)

[0087] FIG. 1A shows Voice Recognition Alert Server used to grant or deny user access.

[0088] FIG. 1B shows Voice Recognition Alert Application Security Database used to verify financial institutions, online payment systems and healthcare account.

[0089] FIG. 2 shows how the user can use an installed VRA app by smartphone and laptop manufacturers to unlock their smart device and personal computing device.

[0090] FIG. 3 shows how the user can use an VRA software to unlock their smart device and personal computing device.

[0091] FIG. 4 shows how a user is being asked by their financial institution to verify the recorded voice on file before granting access to their online accounts.

[0092] FIG. 5 shows how the user is being asked by their online payment system providers to verify the recorded voice on file before granting access to their online accounts

[0093] FIG. 6 shows how the user is being asked by their healthcare facility to verify the recorded voice on file before granting access to their online accounts

[0094] FIG. 7 shows how the user is being asked by other online account providers to verify the recorded voice on file before granting access to their online accounts.

[0095] FIG. 8 shows how the user uses three selected keys to indicate either transaction is being done under stress or its normal transaction.

[0096] FIG. 9 shows whether user is denied or given access to a transaction that is being done under stress or not

[0097] FIG. 10 shows how the user uses the three selected security keys followed by emergency short code to send their location to the nearby law enforcement to indicate their life is in danger.

[0098] FIG. 11 shows how a user can track a suspicious caller with the VRA app

[0099] From FIG. 12-FIG. 17(Additional Figures)

[0100] FIG. 12 shows how uses the VRA software to lock their stolen vehicle and send the vehicle location to the nearby police officer

[0101] FIG. 13 shows how VRA user is allowed to use their voice to open their doors.

[0102] FIG. 14 shows how the user is being asked to instantly verify their bank accounts with their voice.

[0103] FIG. 15 shows VRA allows its users to clock in at work with their voice.

[0104] FIG. 16 shows how the user is being asked to verify their consumer identity on their credit report with their voice.

[0105] FIG. 17 shows user uses their voice to withdraw cash or make a deposit at the ATM.

HOW OFTEN SHOULD THIS BE DONE

[0106] The account holder may periodically update his or her voice recording as well as their security questions on file to help strengthen the security system

[0107] Also, anytime there is a transaction either in-store or online that exceeds set amount verification will be required.

[0108] Again, anytime user or account holder wants to access his or her online account at any time and in all places, verification will be required.

[0109] Language

[0110] All users will be given an option to select a language they are comfortable with. They may select from one of the following languages

[0111] American English Akan

[0112] Arabic Bengali British English Chinese French German

[0113] Hindi Japanese Javanese Korean Portuguese Russian Spanish Tamil Turkish Urdu Vietnamese

INVENTION SUMMARY

[0114] Voice Recognition Alerts (VRA) is designed to combat unauthorized online account usage and transactions. It is an additional transaction and account management security system or an extra verification and authentication process that will be required by the various financial institutions, online payment systems, online healthcare accounts and other online accounts that contain or require user personal information such as, full name, date of birth, social security and driver's license or any government issued identification card to confirm the validity of all transactions as well account authentication before granting account access. The verification process involves making a voice recording of an answer to a selected security question on file. The account holder will then be asked to confirm transactions by verbally providing an answer to the security question. If the answer and the voice match the one recorded on file, account access or transaction will be approved. If neither the voice nor the answer matches the one file, account or transaction will be declined. If the voice matches the one recorded on file but the security answer does not match the one on file, account access will be denied. In the same way, if the security answer matches the on file, but the voice does not match the recorded one on file, account access will be denied. The system also allows mobile phone users to select a security key on their smartphone before registering their sim card. In case of an emergency where the account holder's life is in danger, the security key will be pressed three times instantly followed by their country's emergency line or short code. As soon as the user presses the key three times together with the emergency line, the system will activate the location of the user and send a signal to the nearest law enforcement that users' life is in danger.