System and method for detecting user fraud in automated teller machine transactions

A self-service automated teller system includes a fraud detection module which uses a biometric recognition technique, such as voice or fingerprint recognition, in combination with predictive technology. The biometric recognition test is normally decisive, but if this test produces a result which is...

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Bibliographische Detailangaben
Hauptverfasser:	SIME, IAIN R. F
Format:	Patent
Sprache:	eng
Schlagworte:	ACOUSTICS ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDEDFOR ELSEWHERE CALCULATING CHECKING-DEVICES COIN-FREED OR LIKE APPARATUS COMPUTING COUNTING GENERATING RANDOM NUMBERS HANDLING OF COINS OR OF PAPER CURRENCY OR SIMILAR VALUABLEPAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING,DISPENSING, CHANGING OR DEPOSITING HANDLING RECORD CARRIERS MUSICAL INSTRUMENTS PHYSICS PRESENTATION OF DATA RECOGNITION OF DATA RECORD CARRIERS REGISTERING OR INDICATING THE WORKING OF MACHINES SPEECH ANALYSIS OR SYNTHESIS SPEECH OR AUDIO CODING OR DECODING SPEECH OR VOICE PROCESSING SPEECH RECOGNITION TIME OR ATTENDANCE REGISTERS VOTING OR LOTTERY APPARATUS
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Beschreibung
Zusammenfassung:	A self-service automated teller system includes a fraud detection module which uses a biometric recognition technique, such as voice or fingerprint recognition, in combination with predictive technology. The biometric recognition test is normally decisive, but if this test produces a result which is close to a predetermined threshold, the predictive technology checks to determine whether the transaction is consistent with the user's normal behavior before permitting the transaction to proceed. A suspicion count may also be included in the decision-making process, to determine whether or not the user has a previous record of suspicious transactions.