VOICE BIOMETRICS. estilo de subtítulo del patrón Solutions

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1 VOICE BIOMETRICS Haga clic Vicorp para modificar Speech el Biometric estilo de subtítulo del patrón Solutions

2 VICORP SPEECH TECHNOLOGY UK based since 1989 with international partners - Specialising in voice technology Developed leading NIVR software platform (xmp) - Service Creation and Execution Environment - Self-service solutions Added Speech Biometric Solutions Member of the Biometric Institute / VXML Forum - Licensed and Certified with multiple technologies Mobile Voice application platform 2012 Mobile VB applications (2013)

3 VOICE BIOMETRICS IS IN USE IN OVER 35 COUNTRIES Enterprise Verification solutions T-Mobile (Netherlands), Siemens Tatra Banka (Slovakia), Victrio (US) Bankinter (Spain) National Australia Bank (Australia) LTSB UK coming soon RBS UK coming soon HSBC coming soon

4 WHY VOICE BIOMETRICS? Speaker Verification accuracy results are superior to those of fingerprint, hand print and face recognition systems and are 100 times better security than PINs and passwords. Source: UK Government Communications Electronic Security Group and Edinburgh University Fingerprint Voice Detection Error Trade-off (3 attempts) Source: UK Government; Communications Electronics Security Group (CESG) - Biometric Product Testing Final Report

5 THE PIN PROBLEM In a recent study* of six million actual user-generated passwords, the 10,000 most common passwords would have accessed 98.1% of all the accounts. In 2013 more than 90% of user-generated passwords will be vulnerable to hacking. *Deloitte This would be a walk in the park for code hacking software to accomplish. Recent example

6 RAPID VB UPTAKE PREDICTED Financial institutions have identified voice biometrics as one of the best means to secure its client accounts and financial information. Voice biometrics compares various characteristics drawn from a person s voice such as inflection, pitch, dialect, among others, and matches that with data captured. Voice biometrics solutions allow customers to verify their identity simply by speaking, making it easier and faster to gain access to secure banking and insurance services by way of mobile apps, telephone and Web channels. Voice biometric solutions eliminate the need for PIN-based password or interrogation-based authentication methods, or can be used to add another level of security to those systems. Banks that deploy voice biometrics to automate the log-in process not only enhance customer satisfaction levels, but dramatically reduce their customer care costs through increased automation rates. Due to the versatility, along with consumer confidence BRG expects voice biometrics to be the fastest growing technology modality in the banking sector. Consumers prefer voice recognition technology for biometric identification. According to a survey conducted by IT provider Unisys, the biometric modalities ranked by consumer preference are: voice recognition (32 percent), fingerprints (27 percent), facial scan (20 percent), hand geometry (12 percent), and iris scan (10 percent). We project the technology will not only be implemented in bank calling centers throughout the world, but fast growth will also be driven by the continued rapid worldwide adoption of mobile smartphone and superphone technologies.

7 EXAMPLE OF VB IN FRAUD PREVENTION Call divert - Bank This involves Call Divert being added to a Consumer account, without their knowledge which could be as a result of hacking their PC (eg using a Trojan) and gaining access to all personal information, including bank details and DPA answers for the account. That data is used by fraudsters to redirect and pass-off post-transaction verification checks by banks, circumventing their security check in the process. In the interim, the bank is contacted by the fraudster who appears to have bank account information of the target victim and requests some form of money transfer to (eg) an offshore account or money exchange. The Bank then do their security checks and call the customer on their number provided to confirm the request, but because the landline is on divert the call is diverted to the fraudster's mobile. Voice Biometrics can play an important role in preventing these attacks but to be effective mobile operators need to decide on implementation in the call-centre. Callers requesting call divert can then be effectively verified. Its also possible that mobile operators who have instigated VB could provide a revenue bearing service to banks for validation of security calls against their own VB databases

8 USE CASES AND BENEFITS Password Reset Compliance Internal use or with customer base New Password can be read, ed, SMS etc. Benefits - Agent time saved for each reset - No loss of productivity - More accurate than a fingerprint Approved as one security level in a multi-factor authentication process Benefits - Clear and proven audit trail that it was the user who requested access Mobile applications x N Use for the device or with ANY mobile application. Multi-modal interactions with customers. Benefits Any apps anywhere.. Authentication Verifies that callers are who they claim to be Use standalone or as part of multi-factor authentication Benefits - Agent time saved for each call - Reduces identity theft by a factor of 200 (more accurate than a fingerprint) - Better customer experience and boosts their confidence of telephone transactions Fraud Prevention Blacklist spotting (previous suspicious callers) Benefits - Returns results of an alert during call - Can be with or without the caller s approval (conversational streaming or prompted) - Can be used in conjunction with Police to trace locations of imposters

9 USE EXAMPLES Enterprise help-desk automation of password reset Caller identity authentication in customer care call centers Strong multi-factor authentication for high-risk Internet transactions Text-independent operation for mass enrolment and speaker identity applications Mobile security

10 ADVANCED VOICE BIOMETRICS FEATURES Fused text-dependent, textindependent and text-prompted functionality in a single platform Quick to deploy and seamless integration Active Learning: built-in personalised tuning technology Speaker Adaptive Verification Enterprise or cloud-based Web API

11 MARKET OPPORTUNITY Escalating numbers of data security incidents are reported daily. Consumer concerns about security of personal records, credit cards, banking transactions, identity theft, and password hacking. Increasing acceptance of speech technology applied in smart phones and mobile devices, such as Apple Siri and Google Translate, is paving the way for consumer preference of voice-based services. Authentication speed & accuracy, lower costs, and consumer convenience, are made possible by hardware and software technology advancements.

12 VB IN AN IVR SYSTEM VB platform

13 VB IN GOVERNMENT A quarter of New Zealand tax payers have a voiceprint to access IRD taxation services. This is a language independent system which enrols English and Maori speakers and is used to provide authentication in telephone services and for issuing passwords for Internet access, It has been so successful that it is now being positioned as a Whole-of-Government authentication credential enabling NZ citizen to use voice to access all Government services, tax, social security and welfare. This, along with the examples in the Australian Government for social security applications, show that voice biometrics is rapidly becoming a preferred technology for authenticating citizens accessing Government services. In Australia and New Zealand, over 1 million citizens are registered on voice biometrics systems for Government services. Voice is proving to be the biometric technology for mass market applications and is proving to be more secure, more cost effective and far more convenient than issuing yet more PINs, passwords or hardware tokens or asking personal information questions.

14 MOBILE APPS Mobile IP Network Cloud IP Network VB platform Firewall Mobile Phones Secure Application

15 EARLY MOBILE APPLICATIONS MVK Application description What is it? It s a Voice Biometric access solution for Personal Information Manager (PIM) applications running on smart-phones and tablets with which anyone can use to apply high security two-factor access to their passwords, codes or any other sensitive information using a voice-print master key. With MVK the master key is voice controlled using a voice biometric print. Once the application has your voice-print associated with the key, no one else can gain access. This provides a highly secure and encrypted means of storing sensitive information. MVK will be provided as a white label Enterprise solution Can be marketed as both consumer and enterprise solution.

16 HOW CUSTOMERS JUSTIFY VB It helps us cut the risk of impostors using identity information to access personal and financial records. It saves money by streamlining the authentication process in our call centre, eliminating the need to ask personal information questions. It enables us to enhance customer service and satisfaction by eliminating some pins and passwords. It will help us comply with 2012 authentication standards imposed by FFIEC (Federal Financial Institutions Examinations Council). Pricing and delivery models are more flexible and affordable than ever before

17 WHATS COMING IN 2013 Mobile VB and multi-factor will start the journey to being mainstream Speaker separation software will enable better applications and some new solutions (secure conferencing) License prices will fall through the floor Self-tuning and adaptive learning will become standard Web-based biometric authentication will become more widespread Speech Recognition and Voice Biometrics will start to combine Standards will emerge

18 SUMMARY Voice Biometric Technologies are proven in the hardest environments (Intelligence, Forensic, HLS and high-volume enterprise) Across more than 30 countries The Best Technology for Free Speech Speaker Identification and Verification Text Independent / Language Independent Passive and Active Anti-Spoofing Channel Independent High Performance. Ultra fast Processing times (< ½ second match time) Also available via most channels including the Web and Mobile Devices.

19 Voice DNA for business Seamless Voice Biometric authentication simple better - secure Advanced self-service design for a better journey Contact centres / Telco / Enterprise and Mobile solutions