Passive Detection. What is KIVOX Passive Detection? Product Datasheet. Key Benefits. 3 APIs in one product

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1 Passive Detection Product Datasheet KIVOX Passive Detection is part of the KIVOX 4.0 family of products. KIVOX 4.0 brings our partners the full potential of real voice biometrics technology by providing applications with capabilities that are far superior to those currently available in the market and that will also be useful and appealing to end users. What is KIVOX Passive Detection? KIVOX Passive Detection is an API engine that provides 1:1 and 1:M Speaker Identification capabilities both in real time and offline. This API enables your fraud or ID&V applications to implement passive authentication of your call center customers while they are speaking with an agent. It also enables comparisons against a blacklist of up to 1000 known fraudsters while a conversation is taking place, or as a batch process after the conversation has been completed. KIVOX Passive Detection offers the advantage of being fully text independent. Therefore, the authentication process and blacklist comparison can be conducted in a fully transparent manner, without disturbing the customer or interrupting the flow of conversation. 3 APIs in one product KIVOX Passive Detection is composed of 3 sets of APIs, each one optimized for a specific purpose: 1. Model Management API: Provides Enrolment capabilities (or model generation) enabling your application to generate biometric voiceprints (BVPs) for each one of your customers (or fraudsters), using previously recorded data. Once you provide our engine with an audio file, you will instantly receive the BVP for those recordings. Key Benefits Saves agents time during authentication process Improves user experience by avoiding security questions Works with free speech in any language No need for Enrolment process. Voiceprints can be created from historical data or a live call Detect fraud in real time, before it is too late Works with any channel and cross channel Used for Real Time Passive Customer Authentication, Real time Blacklist check, Offline Blacklist check, teleconference participant s verification

2 This module can handle both mono and stereo conversations as it can split the customer s voice from the agent s voice with extreme precision. It also allows for the enhancement of models as more conversations from the same customer become available. 2. Streaming API: Offers the capability of comparing a stream of audio in real time (from an ongoing live conversation) with one or more VBPs, enabling both transparent authentication and a blacklist comparison. This API provides responses every few seconds (this is configurable) which show the results of the comparison. 3. Voice Analytics API: Provides offline capabilities to match N number of recorded calls against M number of VBPs, providing NxM results. You can use the results of this speaker identification comparison to implement your fraudster s blacklist check in an offline mode. This API also provides gender identification information for every incoming audio file. [ ] Fraud detection is not only about securing authentication. The main tool to fight against sophisticated fraudsters is to analyse as many interactions as possible and generate an alert when suspicious activities are detected. KIVOX Passive Detection brings all of the advantages of passive surveillance to fraud detection. High Performance Engine KIVOX Passive Detection is designed to achieve an extremely high performance with average-cpu servers: For real-time operations (authentication or blacklist) a single CPU-core can handle up to 15 simultaneous authentications, enabling it to cover up to 100 agents. For offline operations, a single CPU-core can process up to 1000 hours of audio in 24h (this amounts to 42 times real time). Once these audio files have been processed, KIVOX Passive detection can produce up to 85k matches (identifications) per second. Kivox Passive Detection is fully scalable and therefore designed to grow as needed.

3 Agnitio s unique voice biometrics technology KIVOX utilizes the same unique voice biometrics technology that our customers in law enforcement, military and intelligence are using around the world today. The vast experience acquired by meeting the standards of this demanding market has driven us to achieve the best of breed voice biometric engine for speaker authentication. The technology used has been developed by using Joint Factor Analysis (JFA); which is a paradigm that models channel and speaker variability. Just as your fingerprints are unique to you, your vocal tract contains distinctive characteristics that make it unique and different to that of other people. Furthermore, since this technology is intrinsically language independent, you can deploy KIVOX in any language without the need for adaptation, changes or configuration. KIVOX can also be used on any communication channel, such as a landline telephone, mobile, VoIP, microphone, satellite, etc., at a very high level of accuracy. KIVOX is also very robust against cross-channel authentication. It can create a BVP in a specific channel (a landline for instance) and then complete authentications from other, different channels (mobile or VoIP for instance). KIVOX Passive Detection offers a successful verification rate of more than 99%, with a false acceptance rate of less than 1%. These values are just a general example, since KIVOX can be customized to meet your security needs. For instance, if the main priority of your application is to lower the amount of false acceptances, KIVOX can be configured to guarantee a false acceptance rate lower than 0.1%, with an associated detection rate higher than 90%. When conducting blacklist comparisons in real time, KIVOX Passive Detection can be configured to detect more than 85% of fraudulent calls simply by increasing the amount of false alarms to 1.9%. As a reminder, these thresholds are fully configurable, so if you are willing to accept a higher number of false alarms in the system, the number of fraudsters that can be detected will also rise. These figures have been computed using a fraudster blacklist of 100 targets, however, depending on the number of targets in the blacklist, these results may vary.

4 KIVOX Passive Detection features & functionalities Since KIVOX Passive Detection does not require a customer enrolment process, there is no disruption to the normal contact centre workflow. No additional agent time = no extra cost. Customers voiceprints are simply created by using a live call or historical data. Feature Feature API interfaces Platforms High Availability Data Encryption Simultaneous Real Time Authentications/Blacklist matching Offline audio processing Offline matching Authentication response time Blacklist match response time Scalable Database restrictions CTI/recorder restrictions Language restrictions Channels supported Cross-channel supported Gender Identification Multi-user account BVP enhancement BVP size Blacklist size Authentication / Blacklist match type Enrolment type Enrolment length FAR, FRR Security Threshold Audio files accepted *Example of accuracy obtained with customer s data Description Description Java Windows 64 bits, Linux 64 bits 15 per CPU-core 1000h of audio in 24h per CPU-core (42 times RT) Up to 85k matches per second/cpu-core 7s 7s Yes None None Fully language Independent Landline, mobile, VoIP, satellite, microphone & more! Yes Available for offline operations 1.8 KiB Up to 1000 simultaneous targets Fully transparent with free conversational speech No enrolment process needed. Enrolment is done with existing recordings or a live conversation 30s (1%, 1%) = 1% EER (Equal Error Rate)* Configurable Linear PCM (>8KHz, 16, mono), A-law, mu-law

5 Modular and scalable architecture (1/2) KIVOX Passive Detection presents a modular architecture which can be easily integrated into any fraud detection or ID&V application. There are two very distinct integration options depending on whether a RT or offline solution is required. The following schema presents the typical integration of KIVOX Passive Detection for an offline blacklist solution. Modules in blue are offered by Agnitio, while modules in orange and red represent part of your development or existing components:

6 Modular and scalable architecture (2/2) This second schema presents the typical integration of KIVOX Passive Detection for real time passive speaker authentication or a real time blacklist matching solution. Modules in blue are offered by Agnitio, while modules in orange and red represent part of your development or existing components KIVOX is run by Agnitio. Agnitio is the world leader in voice biometrics in the homeland security sector and has successfully adapted its robust technology for suitable corporate authentication solutions. Today, AGNITIO s technology is used in over 30 countries by military organizations, law enforcement agencies and forensic experts. For more details contact us on: corp.com info@agnitio- corp.com