Category Archive: Identity

vbcsf: Reality Check: e-Government Applications for Voice Authentication

Roanne Levitt of VoiceTrust eServices Canada: they’re involved in National ID program for an emerging Nation. Also proof of life. This nation has 10 million citizens, half do not possess a national ID. Program in place to register citizens and provice IDs. Nation was struck by a natural disaster and everyone lost their IDs. New program is designed to enable: participation in government, job, school, vote, acquire a title to real property. Involves many government ministries.

When a citizen registers, their photo is taken, fingerprint, signature recorded. Their voice is not registered at this point, but that will change. Problem with current registry: need to equip offices with fingerprint readers (and cost to acquire, distribute, infrastructure, IT personnel to maintain). Rejection rate for manual workers (cuts, worn prints, dry hands) is high, and citizens must come into office to verify identity. Corporations (e.g., banks) have a hard time with verification. Continue Reading

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vbcsf: Reality Check: The Future of Secure, Mobile Authentication

Ollie Whitehouse of NCC Group and Lauren Horaist from RSA join Derek Top. Starting off with Ollie: Mobile Security and 2FA (two factor authentication). NCC is a large independent consultancy, iSEC Partners in the US.

Mobile security: reality and elephants, future enablers; authentication and mobile of 2FA and voice biometrics. Security threats are numerous: hardware, various OS platforms (iOS, Android, Windows), vendor customizations (undermining platform security), apps (poor design & implementation), user activity & practices (including jail breaking). Challenges (an elephant in the room): mobile vendor fragmentation, vendor spend on security, 18-24 month device life cycles, carrier certification of updates required, user awareness/education and experience with security patches and carrier desire for security patches. Continue Reading

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vbcsf: Reality Check: The Case for Voice + Face Recognition

From jungles of Equador to Main Street USA using multi-modal biometrics, with Alexy Khitrov, SpeechPro. As always, it starts with the government (1958) with forensic audio analysis. SpeechPro is 22 years old, deployments in 75 countries. Strong R&D in core of company, 150 of them scientists and developers, 30 PhDs. Working globally with law enforcement, wide portfolio of related products for Enterprise clients. Increasing interest to voice as biometric in US and abroad, including Equador: country-wide system combined with face recognition. Two non-intrusive modalities, fewer challenges in collection: quick, no need to touch anything, can be done remotely, cheap and available hardware.

Customer experience vs security: challenges to customers, fraudsters keep coming with new ways. Security reacts with additional layers of questions, PINs, cards, etc. which drops customer experience. They’re doing Voicekey.Onepass: multimodal–voice + face, non-intrusive, seamless, biometric for web and mobile with existing hardware. Security: in their testing with both systems, they have yet to see a false positive. Patents pending, “liveness” detection through linking speech and face movement during utterance. Works great for financials, remote access to corporate networks, other.

Enrollment: put face in oval on screen, system will take a picture and prompt you to say your name and password three times (one tap). Level 1: tracking facial movements during passphrase.Level 2: prompted password, random combination of numbers. Key benefits: high accuracy, easy to integrate and use, works on mobile, web and physical access (voice phone). Applicable for Enterprise: passive verification, change of speaker detection, watch list search, emotion detection, speech analysis (they have products in each area). It’s never just one technology (VoiceKey Platform). Enterprise security doesn’t have to be work.

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vbcsf: Reality Check: The Power of a Black List, the Promise of a White List

Mark Lazar of Victrio: Making it work in the real world. Victrio is emerging leader in passive voice recognition; team expertise in voice recognition and call centers. Three years of implementation experience, clients include three of top five financial firms. On track to screen 100 million calls in 2013. They have the largest fraudster database in the world.

History in voice biometrics over time: Schwab and HSN (1990s); Hartford Insurance, Marriott, US Bank (early 2000s); AT&T, Visa, Bank of America, First Horizon (mid-2000s). Late 2000s: American Express, ABN/AMRO, Bell Canada, Bank of America, Santander efforts terminated–detection rates were ok but huge number of false positives, wasn’t commercially viable. Some efforts moved to internal use only, others terminated. Today: customers are increasingly frustrated (65% frustrated, 50% too time consuming, and professional fraudsters aren’t stopped. Big target in call centers with social engineering (training, turnover; 1 in 5,000 is fraudulent). Continue Reading

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