Patent Publication Number: US-2015067808-A1

Title: Client Identification System Using Video Conferencing Technology

Description:
RELATED APPLICATION 
     This application is a continuation in part of U.S. application Ser. No. 12/877,962, filed Sep. 8, 2010, which claims priority to and the benefit of pending U.S. Provisional Patent Application Ser. No. 61/240,592, filed on Sep. 8, 2009, titled, “Client Identification System Using Video Conferencing Technology,” under 35 U.S.C. §119(e) (1), the disclosures of which are hereby incorporated by reference in their entirety for all purposes. 
    
    
     FIELD OF THE INVENTION 
     The present invention relates generally to the field of authentication and security systems. The present invention also relates to a method and an apparatus for a client identification system using video conferencing technology. The present invention can be applied to any industry that uses authentication systems. 
     BACKGROUND OF THE INVENTION 
     A number of financial and non-financial institutions have implemented various “online financial transaction” capabilities. Most such services require clients to register a debit/credit card or bank account before sending or receiving funds. As an example, recipients of payments may receive email notifications with a specially coded link to register and authenticate before receiving several payment options, such as depositing or withdrawing funds into a bank or credit card account. 
     However, authentication in a communication network normally includes confirming a client attempting to access a system or a network. The authentication process is the most basic and essential process of protecting principal assets. Currently, there are three authentication schemes which are primarily used in a communication network. 
     A first authentication scheme is to confirm something you know, a second authentication scheme is to confirm something you have, and a third authentication scheme is to confirm you yourself. Among the three authentication schemes, the authentication scheme of confirming something the client knows, e.g., a log-on password is most widely used on computer networks. In this scheme, when a client-input password is correct, the client is authorized. However, in the scheme of confirming the log-on password, a password may be stolen or robbed, exposed due to carelessness, or lost. Furthermore, many users or clients are suffering from password fatigue, and many are looking to simplify the manner in which day-to-day transactions and activities are conducted, including transactions for larger funds. To solve this problem, a more powerful authentication scheme is necessary. 
     As more powerful authentication, Two-Factor Authentication using a combination of two of the three methods, as mentioned earlier, has been proposed. The two-factor authentication is widely used for applications necessitating powerful client authentication. The two-factor authentication is commonly based on both ‘Something you know’ and ‘Something you have’. Representative examples of the two-factor authentication include a credit card, a cash card, and Internet banking service. The card itself is what a client has physically (“What you have”), and a password corresponding to this card is what the client knows (“What you know”). The two factors are required for successful authentication. 
     The two-factor authentication greatly reduces losses or damage due to on-line fraudulent use of an ID. This is because one cannot access desired information or system through fraudulent use of a password without holding a card. Accordingly, the two-factor authentication provides much higher security than typical single factor authentication schemes. 
     However, there are some constraints obstructing spreading of the two-factor authentication. That is, clients tend to dislike carrying something new. Furthermore, enterprises have adopted different two-factor authentications, resulting in low compatibility. Further, the information contained in either three authentication schemes contain static information, that is information that can be “hijacked” if the client&#39;s identity is stolen via malicious software and hacking techniques designed to infiltrate personal accounts and personal information. Thus, an authentication scheme capable of providing both powerful security and client-friendliness is urgently needed. 
     With the recent rapid development of communication network technology, and where rapid acquisition of a substantial amount of information is of importance, and where clients are exponentially more mobile and not bound to a single office in a specific city, clients are demanding advanced solutions utilizing multimedia information including sound, image, and filming picture, in addition to existing telephone and data transmission service, more suited to their needs. Video conference as a representative application using multimedia transmission service has been studied, and developed and implemented in a variety of environments. 
     SUMMARY OF THE INVENTION 
     An aspect of the present invent includes a system for identifying a client, comprising a client device having a video camera and a voice transmitting and receiving device capable of transmitting a client&#39;s image and voice via a communication carrier system and a communications network to a user terminal, whereby the user terminal permits an authentication of the client&#39;s image and voice in real time. 
     Another aspect of the present invention includes a method of identifying a client, comprising the steps of using a client device having a video camera and voice transmitting and receiving device to initiate an authentication of a client&#39;s identity, transmitting, a client&#39;s image and voice over a communication carrier system and a communications network to a user terminal, and authenticating the client&#39;s image and voice in real time. 
     Another aspect of the present invention includes a method of identifying a fraudster, comprising the steps of using a client device having a video camera and voice transmitting and receiving device to initiate an authentication of a client&#39;s identity, transmitting the fraudster&#39;s image and voice over a communication carrier system and a communications network to a user terminal, comparing the fraudster&#39;s image and voice to client data, and storing the fraudster data. 
     A further aspect of the preset invention relates to a system for identifying a client, comprising a client device having a video camera and a voice transmitting and receiving device capable of transmitting a client&#39;s image and voice via a communication carrier system and a communications network to a user terminal, whereby the client is authenticated in real time, wherein, real-time dialogue between the client and a live person authenticates the client, wherein said dialogue authentication does not rely on information obtained from a public or government database. 
     A further aspect of the present invention relates to a method of identifying a client, comprising the steps of using a client device having a video camera and voice transmitting and receiving device to initiate an authentication of a client&#39;s identity, transmitting a client&#39;s image and voice over a communication carrier system and a communications network to a user terminal, and authenticating the client&#39;s image and voice in real time, wherein, real-time dialogue between the client and a live person authenticates the client, wherein said dialogue authentication does not rely on information obtained from a public or government database. 
     A further aspect of the present invention relates to a method of identifying a fraudster, comprising the steps of using a client device having a video camera and voice transmitting and receiving device to initiate an authentication of a client&#39;s identity, transmitting the fraudster&#39;s image and voice over a communication carrier system and a communications network to a user terminal, comparing the fraudster&#39;s image and voice to the client; and storing the fraudster data, wherein, real-time dialogue between the fraudster and the live advisor authenticates the client, wherein said dialogue authentication does not rely on information obtained from a public or government database. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
       Although the scope of the present invention is much broader than any particular embodiment, a detailed description of the preferred embodiment follows together with drawings. These drawings are for illustration purposes only and are not drawn to scale. Like numbers represent like features and components in the drawings. The invention may best be understood by reference to the ensuing detailed description in conjunction with the drawings in which: 
         FIG. 1  illustrates a diagram of an exemplary embodiment of the present invention depicting the client identification system using video conferencing technology. 
         FIG. 2  illustrates a diagram of an exemplary embodiment of the present invention that shows a client device. 
         FIG. 3  illustrates a diagram of an exemplary embodiment of the present invention that shows a user terminal. 
         FIG. 4  illustrates a flowchart of an exemplary embodiment of the present invention depiction the major steps of the processing method. 
     
    
    
     DETAILED DESCRIPTION OF THE INVENTION 
     The following is a detailed description of the exemplary embodiments of the present system and process for client identification system using video conferencing technology. However, the present invention is in no way intended to be limited to the embodiments discussed below or shown in the drawings. Rather, the description and drawings are merely illustrative of the exemplary and presently preferred embodiments of the invention. 
     Client Identification System 
     The present invention relates to a system for enabling business transactions using video conferencing technology to verify client identification for security purposes. More specifically, the present invention consists of a client device capable of capturing and transmitting real-time images of the client to the user terminal and capable of communicating with the user terminal in real-time, an online network connecting the client to the user terminal, and a user terminal capable of displaying the client&#39;s image and communicating with the client in real-time. 
       FIG. 1  illustrates an embodiment of the present invention, where there is shown an exemplary operating environment that comprises a client identification system  100 , that can be used to implement the processing method disclosed herein. Client identifications system  100  generally includes a client device  101 , one or more wireless carrier systems  103 , a land communications network  105 , a computer  107 , a call center  109 , and a user terminal  111 . It should be understood that the disclosed method can be used with any number of different systems and is not specifically limited to the operating environment shown here. The features not discussed in detail, such as, architecture, construction, setup, and operation of the system and its individual components are generally well known in the art. The following paragraphs simply provide a brief overview of one such exemplary system; however, other systems not shown here could employ the disclosed method as well. 
     Aspects of the present invention may be implemented in various configurations which are well known to those practicing in the art. As an example, in one embodiment the client device  101  may be implemented as a desktop personal computer, stand alone computer, workstation computer, mobile computer, portable computing device, personal digital assistant (PDA) device, cellular telephone, digital audio or video playback device, or any other similar type of computing device. Client device  101  may include a video camera  119  and a voice transmitting and receiving device  121  such as a microphone and audio system in one unit. In an alternate embodiment, the client device may be implemented in a plurality of units such as a separate video camera device  119  and a separate voice transmitting and receiving device  121  that is connected or networked to the client device. Examples of suitable network connections include a controller area network (CAN), a media oriented system transfer (MOST), a local interconnection network (LIN), a local area network (LAN), and other appropriate connections such as Ethernet or others that conform with known ISO, SAE and IEEE standards and specifications, to name but a few. 
     Client device  101  enables wireless voice and/or data communication over wireless carrier system  103  and via wireless networking so that client device  101  can communicate with the call center  109 . In one embodiment, client device  101  uses radio transmissions to establish a communications channel (a voice channel and a data channel) with wireless carrier system  103  so that voice and data transmissions can be sent and received over the communications channel. Data can be sent over a data connection, such as via packet data transmission over a data channel, or via a voice channel using techniques well known in the art. Client device  101  can utilize a single call over a voice channel and switch as needed between voice and data transmission over the voice channel, and this can be done using techniques known to those skilled in the art. 
     According to one embodiment, client device  101  utilizes cellular communication according to either GSM or CDMA standards and thus includes a standard cellular chipset  113  for voice communications like hands-free calling, a wireless modem  123  for data transmission, an electronic processing device  115 , one or more digital memory devices  117 , and a dual antenna (not shown). It should be appreciated that modem  123  can either be implemented through software that is stored in client device  101  and is executed by processor  115 , or, as mentioned above, it can be a separate hardware component located internal or external to client device  101 . Modem  123  can operate using any number of different standards or protocols such as EVDO, CDMA, GPRS, and EDGE. 
     Electronic processing device  115  can be any type of device capable of processing electronic instructions including microprocessors, microcontrollers, host processors, controllers, vehicle communication processors, and application specific integrated circuits (ASICs), to name a few. It can be a dedicated processor  115 , used only for client device  101  or it can be shared with other systems. Processor  115  executes various types of digitally-stored instructions, such as software or firmware programs stored in memory  117 , which enable client device  101  to provide a wide variety of services. For instance, processor  115  can execute programs or process data to carry out at least a part of the processing method discussed herein. 
     Client device  101  may communicate with call center  109  via a land communications network  105  or a wireless carrier system  103 , or a combination of both, and this can be done using techniques known to those skilled in the art. Wireless carrier system  103  is preferably a cellular telephone system that includes a plurality of cell towers (only one shown)  125 , one or more mobile switching centers (MSCs)  127 , as well as any other networking components required to connect wireless carrier system  103  with land network  105 . Each cell tower  125  includes sending and receiving antennas and a base station, with the base stations from different cell towers being connected to the MSC  127  either directly or via intermediary equipment such as a base station controller. Wireless carrier system  103  can implement any suitable communications technology, including for example, analog technologies such as AMPS, or the newer digital technologies such as CDMA (e,g., CDMA2000) or GSM/GPRS. As will be appreciated by those skilled in the art, various cell tower  125 /base station/MSC arrangements are possible and could be used with wireless system  103 . For instance, the base station and cell tower  125  could be co-located at the same site or they could be remotely located from one another, each base station could be responsible for a single cell tower  125  or a single base station could service various cell towers  125 , and various base stations could be coupled to a single MSC, to name but a few of the possible arrangements. 
     Apart from using wireless carrier system  103 , a different wireless carrier system in the form of satellite communication can be used to provide bi-directional communication with client device  101 . This can be done using one or more communication satellites  129  and an uplink/downlink transmitting station  131 . Bi-directional communication can be, for example, satellite telephony services using satellite  129  to relay telephone communications between the client device  101  and station  131 . If used, this satellite telephony can be utilized either in addition to or in lieu of wireless carrier system  103 . 
     Land network  105  may be a conventional land-based telecommunications network that is connected to one or more landline telephones and connects wireless carrier system  103  to call center  109 . For example, land network may include a public switched telephone network (PSTN) such as that used to provide hardwired telephony, packet-switched data communications, and the Internet infrastructure. One or more segments of land network could be implemented through the use of a standard wired network, a fiber or other optical network, a cable network, power lines, other wireless networks such as wireless local area networks (WLANs), or networks providing broadband wireless access (BWA), or any combination thereof. Furthermore, call center  109  need not be connected via land network  105 , but could include wireless telephony equipment so that it can communicate directly with a wireless network, such as wireless carrier system  103 . 
     Computer  107  can be one of a number of computers accessible via a private or public network such as the Internet. Each such computer  107  can be used for one or more purposes, such as a web server accessible by the client device  101  and wireless carrier  103 . Other such accessible computers  107 , can be, for example: a service center computer where accounting information and other transaction data can be uploaded downloaded from the client device  101 ; or a third party repository to or from which fraudsters identification or other information is provided, whether by communicating with the client device  101  or call center  109 , or both. A computer  107  can also be used for providing Internet connectivity such as DNS services or as a network address server that uses DHCP or other suitable protocol to assign an IP address to client device  101 . 
     Call center  109  is designed to provide client device  101  with a number of different system back-end functions such as the ability to store the client&#39;s information, such as his/her photo identification information, passport information, social security information, biometrics or personal information or description, such as hair color, eye color, approximate weight, any facial or body markings, etc., to assist in the verification of the client, and according to the exemplary embodiment shown here, generally includes one or more switches  151 , servers  153 , databases  155 , live advisors  157 , as well as an automated voice response system (VRS) ( 159 ), or Voice System Module (VSM)  159  (used interchangeably), all of which are known in the art. These various call center  109  components are preferably coupled to one another via a wired or wireless local area network  169 . Switch  151 , which can be a private branch exchange (PBX) switch, routes incoming signals so that voice transmissions are usually sent to either the live advisor  157  by regular phone or to the VRS  159  using VoIP (Voice over Internet Protocol). The live advisor  157  phone can also use VoIP. VoIP and other data communication through switch  151  is implemented via a modem (not shown) connected between the switch and network. Data transmissions are passed via the modem to server  153  and/or database  155 . Database  155  can store account information such as subscriber authentication information, and other similar information listed above. Data transmissions may also be conducted by wireless systems, such as 802.11x, GPRS (General Packet Radio Service), and the like. Although the illustrated embodiment has been described as it would be used in conjunction with a manned call center  109  using live advisor  157 , it will be appreciated that call center  109  can instead utilize VRS  159  as an automated advisor or, a combination of VRS  159  and the live advisor  109  can be used. 
     As a further example, each live advisor  109  operates a user terminal  111  which may be implemented as a desktop personal computer, stand alone computer, workstation computer, mobile computer, portable computing device, personal digital assistant (PDA) device, cellular telephone, digital audio or video playback device, or any other similar type of computing device. User terminal  111  may include a display screen  161  and a voice transmitting and receiving device  163  in one unit. In an alternate embodiment, the user terminal may be implemented in a plurality of units such as a separate display screen  161  and a separate voice transmitting and receiving device  163  that is linked or networked to user terminal  111 . As a further example, user terminal  111  may include similar components, features, and capabilities as those described above with respect to client device  101  (i.e., enablement of wireless voice and/or data communication over wireless carrier system and via wireless networking, utilization of cellular communication, utilization of a processor, communication via a land communications network, satellite communication, etc.) Call center  109  may employ the use of enterprise software  165  and various technology interfaces  167  that enable the user terminal to communicate with client device  101 , and perform authentication measures as disclosed herein. Enterprise software  165  and technology interfaces  167  are generally well known to those skilled in the art. 
       FIG. 2  illustrates an exemplary embodiment of the present invention that shows a client device  201 . Client device  201  includes a video camera  203  and a voice transmitting and receiving device  205  such as a microphone and audio system in one unit. The client device  201 , can also include a data input/retrieval feature  207 , such as, a key pad, key board, button, touch screen, to name a few, and a display device  209 . 
       FIG. 3  illustrates a diagram of an exemplary embodiment of the present invention that shows a user terminal  301 . User terminal  301  implements a plurality of units such as a separate display screen  309  and a separate voice transmitting and receiving device  305 . The user terminal  301 , can also have at least one video camera  303 , and can also include a data input/retrieval feature  307 , such as, a key pad, key board, button, touch screen, to name a few. 
       FIG. 4  illustrates an exemplary flowchart of an exemplary embodiment of the present invention. In this exemplary embodiment, business transactions can be carried out using video conferencing technology to verify client identification for security purposes. First the client initiates a transaction  401  using a client device. Then in one exemplary embodiment, the client device establishes audio and visual contact with the call center and/or live advisor  403 . Alternatively, in another embodiment, the client device establishes audio and/or video contact with the call center and/or live advisor. Then live advisor visually authenticates the client  405 . In one exemplary embodiment, this is done with information about the client available to the call center and/or live advisor. For example, the call center and/or live advisor may look at an image of a driver&#39;s license or passport or any other government issued ide. Then, in one exemplary embodiment, the live advisor verbally authenticates client  407 . In one exemplary embodiment, the live advisor authenticates the client based on a dialogue of static questions. In another exemplary embodiment, the live advisor authenticates the client based on “small talk” or a general dialogue. In one exemplary embodiment, the answers to the questions posed in the small talk or general dialogue themselves are irrelevant. Then, in one exemplary embodiment the transaction is authorized  409 . In another exemplary embodiment, steps  405  or  407  may be interchangeable. In alternative embodiments, all the steps of the methods described herein may be interchangeable, and are not fixed or limited in any way to the sequence described. 
     Aspects of the present invention may be implemented on one or more computers executing software instructions. According to one embodiment of the present invention, server and client computer systems transmit and receive data over a computer network or a fiber or copper-based telecommunications network. The steps accessing, downloading, and manipulating the data, as well as other aspects of the present invention are implemented by central processing units (CPU) in the server and client computers executing sequences of instructions stored in a memory. The memory may be random access memory (RAM), read-only memory (ROM), a persistent store, such as a mass storage device, or any combination of these devices. Execution of the sequences of instructions causes the CPU to perform steps according to embodiments of the present invention. 
     The instructions may be loaded into the memory of the server or client computers from a storage device or from one of more other computer systems over a network connection. For example, a client computer may transmit a sequence of instructions to the server computer in response to a message transmitted to the client over a network by the server. As the server receives the instructions over the network connection, it stores the instructions in memory. The server may store the instructions for later execution, or it may execute the instructions as they arrive over the network connection. In some cases, the instructions may not be directly executable by the CPU, and may instead be executed by an interpreter that interprets the instructions. In other embodiments, hardwired circuitry may be used in place of, or in combination with, software instructions to implement the present invention. Thus, the present invention is not limited to any specific combination of hardware circuitry and software, nor to any particular source for the instructions executed by the server or client computers. In some instances, the client and server functionality may be implemented on a single computer platform. Aspects of the present invention can be used in a distributed electronic commerce application that included a client/server network system that links one or more server computers to one or more client computers. The client and server computers may be implemented as desktop personal computers, workstation computers, mobile computers, portable computing devices, personal digital assistant (PDA) devices, cellular telephones, digital audio or video playback devices, or any other similar type of computing device. For purposes of the following description, the terms “computer network” and “online” may be used interchangeably and do not imply a particular network embodiment or topography. In general, any type of network (e.g., LAN, WAN, or Internet) may be used to implement the online or computer networked implementation of the software. 
     Actual Use of the Client Identification System 
     The Client Identification System  100  is easy to use. The client identification system enables financial transactions to take place without the need for the client to go to a branch or dedicated office. Turning now to  FIG. 4 , there is shown of an exemplary embodiment of the present invention depiction some of the steps the processing method. For example, in one embodiment, if the client wishes to transfer a very large amount of money from one bank account to another bank account, the client would connect with call center  109  using client device  101 . The client would use video camera  119  associated with client device  101  and speak into the voice transmitting and receiving device  121  to communicate with live advisor  157  and initiate the transaction  401 . At call center  109 , live advisor  157  would operate his or her user terminal  111 . User terminal  111  also has a display device  161 , that would stream the live image of the client and a voice transmitting and receiving device so that live advisor  157  could communicate with the client  403 . Once an acceptable connection is established  403 , live advisor  157  can begin to authenticate the identity of the client before permitting the financial transaction in question. 
     In the exemplary embodiment described above, live advisor  157  can compare and visually authenticate the live video image of the client  405  with an image and other visual specifics (client data) of the client at the disposal of the live advisor  157 . For example, the image and other visual specifics may be in the form of a government issued identification card, passport, or other listed information or biometrics or personal information or description such as eye color, hair color, body markings, etc. In one embodiment, this information can be stored in a database  155  on or offsite and can be made accessible to the live advisor&#39;s  157  user terminal  111  through various means well known to those skilled in the art. Once a visual identification and comparison is complete, live advisor  157  may begin to communicate with the client  407  to complete the authentication process. 
     In the exemplary embodiment described above, to complete the authentication process, live advisor  157  is not limited to static or confidential one or two factor themes such as social security number, mother&#39;s maiden name, previous addresses, country of birth, elementary schools, or other similar biographical or static information as previously discussed. In one example, static information, is information about client  407  that can be stored in a database, such as, for example, a private, public, and/or a government database, or any other database for that matter. In a further example, static information is typically confidential or private in nature such as, social security numbers, government issued identification information, birth records, names of family members, last names, maiden names, school information, or other similar biographic information. However static information stored in a database still can be hacked by an unscrupulous fraudster. 
     In one exemplary embodiment, live advisor  157  can ask general and non-confidential information of the client to determine a live connection. For example, live advisor  157  can make “small talk,” or ask the client about the weather or the clothes he is wearing, or the environment he is in now. As a further example, small talk can be communication or dialogue on any subject whatsoever. As a further example, small talk may include dialogue based on non-confidential subject matter. As a further example, small talk may include dialogue based on confidential subject matter. In one exemplary embodiment, small talk serves the purpose of establishing that the client is in fact the client and not a fraudulent act or attack by the fraudster, such as a stolen digital image of client  407 . As a further example if live advisor  157  asks the question, “What is the color of the car parked behind you?” Client  407  may respond by saying “yellow.” In this example, the small talk questions that can be asked and their respective answers are limitless in nature and cannot be hacked because they are not stored in a database. As a further example the questions asked by live advisor  157  are not based on information obtained from public or government databases. In the above example, live advisor  157 &#39;s question is based on everyday objects, such as a car. 
     As a further example, live advisor  157  can ask a small talk question such as, for example, “What is the color of the bicycle behind you?” knowing full well that there is no bicycle. If the client turns his head around to see or look for the bicycle, live advisor  157  can immediately authenticate client  407  and confirm that transmission is not a hoax or fraudulent image. Furthermore, client  407 &#39;s exemplary response, such as, “I don&#39;t know” or “There is no bicycle” verifies that  407  is real. In this exemplary embodiment the questions may be asked of any subject matter whatsoever, unrelated to client  407 &#39;s preferences, and cannot be hacked because small talk questions and/or answers are not stored in for example, databases. As a further example, the dialogue between client  407  and live advisor  157  is not based on information available in a government or public database. 
     In one exemplary embodiment, it is irrelevant what the answer is, as long as client  407  answers the question, thereby authenticating client  407 . As a further example, if live advisor  157  asks a small talk question of a red bicycle speeding by, such as, for example, “What is the color of the bicycle behind you?” and if by the time client  407  turns his head, the red bicyclist is gone and sees a blue bicycle is cycling by in the opposite direction, client  407  will answer “Blue.” in this example, by causing client  407  to physically turn his head and respond to the question, live advisor  157  can authenticate client  407  is in fact client  407  and not a hoax or fraudulent image. In this example, the small talk questions that can be asked and their respective answers are limitless in nature and the small talk itself acts to authenticate client  407 . 
     In yet another example, Live advisor  157  can ask confidential or non-confidential information in the form of preferences or likes and dislikes of the client. For example, Live advisor  157  can ask a question (or a question can be generated by the system and provided to Live advisor  157  in a manner well known to those skilled in the art) such as “Do you like pizza?” The responses given by a client can be a “yes” or “no” answer or alternatively can be a response based on a continuum, or scale such as 1 to 5 (1 being strongly like and 5 being strongly dislike). In one embodiment these preferences can be stored in database  155  on or offsite and can be made accessible (or provided) to the live advisor&#39;s  157  user terminal  111  through various means well known to those skilled in the art. 
     Once a client&#39;s preferences are stored and made accessible to live advisor  157 , an infinite or endless number of questions may asked based on the client&#39;s preferences. The list or descriptions of non confidential questions or subject matter that may be discussed is endless, and well known to those practicing in the art. At least one purpose of these questions are to confirm that the client is truly the client and that a video loop or other fraudulent image is not attempting to perpetrate a financial transaction. 
     These questions themselves also serve the purpose of being a “one time question” (OTQ) that has a “one time answer” (OTA) that act as a “one time password” (OTP). An OTP is a password that is only valid for a single login session or transaction. OTPs avoid a number of shortcomings that are associated with traditional (static) passwords that are fixed passwords. The most important shortcoming that is addressed by OTPs is that, in contrast to static passwords, they are not vulnerable to replay attacks. This means that, if a potential intruder manages to record an OTP that was already used to log into a service or to conduct a transaction, he will not be able to abuse it since it will be no longer valid. This will prevent fraudsters reusing the OTQ to setup a phishing scam and/or directly using the OTA (specific answer) again 
     In the exemplary embodiment described above, live advisor  157  in addition to conducting small talk or asking, non-confidential information, may also ask static questions to further confirm the identity of the client. Static questions that the live advisor may ask include, but are not limited to, social security number, home address, driver&#39;s license number, birth date, mother&#39;s maiden name, father&#39;s first name, favorite sport, school name, etc. 
     In the exemplary embodiment described above, once the client&#39;s identification is authenticated, live advisor  157  can permit the financial transaction to take place  409 . 
     In another example, if live advisor  157  were to “catch” an imposter or fraudster, the image of the fraudster and other fraudster data can easily be stored in a database, such as the phone number, IP address, or other digital signatures, and can be reported to the proper law enforcement authorities. The image can also be stored in an on or offsite database to easily detect and spoil future attempts by the fraudster. Of course, although the illustrated embodiment has been described as it would be used in conjunction with a manned call center  109  using live advisor  157 , it will be appreciated that the call center can instead utilize VRS  159  as an automated advisor or, a combination of VRS  159  and the live advisor  157  can be used. 
     In another exemplary embodiment, any form of secure transaction or activity may be carried out using video and/or audio conferencing technology to verify client identification for security purposes, by using a live advisor that is a family member, friend, or any person who can recognize the voice and/or facial features of the client and can authenticate the client. In an exemplary embodiment, the client, initiates a transaction using a client device, as previously described. The client device establishes audio and/or video contact with a live advisor that is a family member, friend, or any person who can recognize the voice and/or facial features of the client and can authenticate the client in real-time. Because the live advisor can recognize the voice and/or facial features of the client, they can authenticate the client and permit the secure transaction or activity to proceed. 
     As a further example of an embodiment of the preset invention, the live advisor who can visually and/or audibly recognize the client, may authenticate the client by static information. In another embodiment, the live advisor who can visually and/or audibly recognize the client, may authenticate the client, by engaging in real-time dialogue that is general and non-confidential in nature, such as, for example “small talk” or information that is not static in nature. 
     As a further example an illustration of an embodiment of the present invention, if, for example, client is attempting to transfer funds from, for example, an account in Bank A to an account in Bank B, client may be authenticated by a live advisor who works, either as an employee or independent contractor, for either Bank A or Bank B, by using the methods described herein. However, in an exemplary embodiment, the transaction may also be authenticated by a live advisor that is a family member, friend and/or any person that can independently and/or based on prior personal knowledge and/or prior personal experience recognize the voice and/or facial features of the client and can authenticate the client in real-time. A perceived benefit of this exemplary embodiment is that neither Bank A nor Bank B would have to expend the resources to hire a live advisor that works with or for either Bank. In this exemplary embodiment, client would, previously identify individuals who can visually or audibly authenticate client in real time, based on their knowing client&#39;s voice and/or physical being. In an embodiment, the identity and contact information for the live advisors that can be stored in a database or other method whereby when the client is in the process of making the transfer of funds from Bank A to Bank B, and prior to the transfer, the client would have to first be authenticated by the live advisor before proceeding with the transfer. In an embodiment, the live advisors may be a “pool” or individuals which may be selected by random by the security authentication process. In an embodiment, there may be at least one live advisors that must authenticate the client prior to the transaction. For example, in one embodiment, prior to a beneficiary of a trust being able to withdraw funds from a trust account, multiple trustees may be required to authenticate the withdrawal. 
     Further, in one exemplary embodiment, in the event that a fraudster is attempting to impersonate the client and gain access to funds, bank information, proprietary information, or any confidential information or property in an unauthorized manner, and is caught, live advisor may store or save the fraudster&#39;s information such, as for example, voice and/or audio visual images, or any other ascertainable and/or recordable information and report that information to the proper authorities. 
     The present invention is not limited to the embodiments described above but the constituent elements of the invention can be modified in various manners without departing from the spirit and scope of the invention. Various aspects of the invention can also be extracted from any appropriate combination of a plurality of constituent elements disclosed in the embodiments. Some constituent elements may be deleted in all of the constituent elements disclosed in the embodiments. The constituent elements described in different embodiments may be combined arbitrarily. 
     Similarly, the present invention is not limited to the banking or financial transaction industry. The present invention may be applied to any industry or business or area of practice in which it is desirous to implement security and authentication of the proper parties. 
     While certain embodiments of the inventions have been described, these embodiments have been presented by way of example only, and are not intended to limit the scope of the inventions. Indeed, the novel methods and systems described herein may be embodied in a variety of other forms; furthermore, various omissions, substitutions and changes in the form of the methods and systems described herein may be made without departing from the spirit of the inventions. 
     As used in this specification and claims, the terms “for example,” “for instance,” “such as,” and “like,” and the verbs “comprising,” “having,” “including,” and their other verb forms, when used in conjunction with a listing of one or more components or other items, are each to be construed as open-ended, meaning that that the listing is not to be considered as excluding other, additional components or items. Other terms are to be construed using their broadest reasonable meaning unless they are used in a context that requires a different interpretation.