Patent ID: 7721109
Filing Date: 2010-05-18
Classification: G06F,G06Q,G07F

Abstract:
1. A method of validating a user for a transaction to be effectuated by using a transaction card, comprising: configuring a profile for said user, said profile including a plurality of biometric samples and a plurality of Dual Tone Multi Frequency (DTMF) sample responses received from the user, the plurality of biometric samples and the plurality of DTMF sample responses corresponding to a plurality of questions; associating said profile with an indicium assigned to said transaction card; interrogating said user when said transaction is attempted by said user, wherein said interrogation includes querying said user for a biometric response associated with a randomly selected one of said plurality of questions and a DTMF response associated with another randomly selected one of said plurality of questions; monitoring said biometric and DTMF responses generated with respect to said user in response to the interrogation; determining if said biometric response matches a biometric sample in said biometric profile corresponding to the randomly selected one of said plurality of questions; determining if said DTMF response matches a DTMF sample in said profile corresponding to the another randomly selected one of said plurality of questions; and if said biometric response matches the biometric sample and said DTMF response matches the DTMF sample, approving said user for said transaction.