| 摘要 |
An 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'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's identity, transmitting a client's image and voice over a communication carrier system and a communications network to a user terminal, and authenticating the client'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's identity, transmitting the fraudster's image and voice over a communication carrier system and a communications network to a user terminal, comparing the fraudster'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. |
