System and method for authentication using speaker verification techniques and fraud model
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United States of America Patent
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Apr 8, 2014
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N/A
app pub date -
May 21, 2013
filing date -
Feb 5, 2013
priority date (Note) -
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Abstract
Embodiments of the invention provide for speaker verification on a communication device without requiring a user to go through a formal registration process with the issuer or network. Certain embodiments allow the use of a captured voice sample attempting to reproduce a word string having a random element to authenticate the user. Authentication of the user is based on both a match score indicating how closely the captured voice samples match to previously stored voice samples of the user and a pass or fail response indicating whether the voice sample is an accurate reproduction of the word string. The processing network maintains a history of the authenticated transactions and voice samples.
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