FAQs

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Yes.

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Yes, VoxLoc offer the ability to change the security settings dynamically. VoxLoc can enable its customers to change the degree of certainty of verification, if required. For example, a bank can use the API to change to security settings to reflect if the end user is transferring a large amount rather than a routine small amount. If this is the case, the end user will be asked to repeat multiple phrase a few times, rather than a single phrase, once.

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Yes, it adapts to the end user’s environment.  VoxLoc provides “adaptive verification”, where the system adjusts depending on previously verified environments. This feature provides the end user with more successful verifications more often, in a shorter time and the end user enjoys a more positive overall experience.

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Yes, VoxLoc can offer a fully customisable solution and can make changes to the verification engine and Interactive Voice Response platform, so voice prompts can be easily modified.

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There is no hostage effect. Rather than insisting that the VoxLoc brand be visible, VoxLoc offers a white labelled solution so the end user only experiences their brand of choice during the entire transaction process.

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No. There is a low cost of integration and start-up. Integration is a fast and simple process that a web developer can undertake.

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Typically, 20-35 seconds depending on the user, the language and the time allocated to provide user instructions.

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Typically, anything from 50 to 90 seconds, depending on the user, the language and the time allocated to provide user instructions.

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VoxLoc’s business model has been built specifically to supports a “pay as you use” or variable cost customer model, compared to a substantial upfront fee. This allows VoxLoc to economically offer a prospect customer a demo of the proposed solution instead of engaging in a costly and lengthy sales process.

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Yes, VoxLoc have developed an application programming interface (API) that allows its customers integrate quickly into the VoxLoc solution and reap the benefits of a Software as a Service (SaaS) business model including low cost of technology ownership, first to market advantage and best available technology without the need for an infrastructure upgrade.

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There are two stages to the VoxLoc process. The first step is enrolment into the VoxLoc database. The end user receives a phone call or uses a computer to repeat a phrase or series of numbers when prompted. VoxLoc uses their vocal characteristics to generate a unique voice profile, much like a fingerprint.  VoxLoc then locks this voice profile to an end user account and the end user is enrolled.  The second step is verification, where the end user repeats a phrase and is either verified as the account holder, allowed to proceed into a streamlined auto settle transaction process or if not successful, their access is denied and the transaction cancelled.

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All users need is access to a telephone, the correct number to call and their voice to ensure their transactions are secure.  Voice biometric technology is simple to implement from a user perspective, and is  a quick and reliable form of identity verification. It does not demand that users remember a password or PINs and avoids the lengthy traditional process of asking for personal information, which criminals can easily obtain.

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To verify an identity, a second sample of speech is analysed and the measurement process is repeated. If the result of the calculation matches the result obtained during the enrolment then the identity can be verified. To ensure that the second sample is not a recording of someone’s voice, a further step can be added to the verification process. This is called a liveliness test where the caller is asked to repeat a random phrase or sequence of numbers. If the voice had been recorded, it would be very hard to repeat this accurately and therefore the test would fail.

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A sample of speech is analysed as part of an enrolment process. A variety of measurements are made on the sample and the results entered into a complex algorithm. The output from this algorithm is then encrypted and securely stored (it is a common misconception that the speech sample itself is stored).

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Similar to a fingerprint where the various ridges, troughs and curves on a finger provide a distinct method of identification, the differing physical components of a human throat and mouth produce a unique sound which can be analysed, measured and stored. This is known as a voice print.

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Whereas a fingerprint has approximately 40 unique characteristics, a voice has over 100 separate characteristics. This means that voice biometrics can be used as a very secure way of identifying and verifying an individual using nothing more than a telephone.

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With a concerted effort and technical knowledge it is possible to record someone’s voice and to play it back later, but our engine has built-in liveness testing mechanisms to ensure that the system is speaking to a live speaker.

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Customers like using it. Callers prefer using voice biometric technology over the traditional random five questions (which are susceptible to social engineering attacks).

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It is difficult to break and voice biometric security is strong enough to keep imposters out.

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It is trusted by financial institutions and it is beginning to be used worldwide in a number of production environments.

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The serve is time, day,  language and device agnostic.

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There benefits include that the service is automatable, it Increases security by supplementing existing PIN/password technologies, and leverages existing off-the-shelf server infrastructure

• Available 24 hours a day
• Saves on total agent call duration
• Prevents fraud and detects in-house fraud
• Improves response time for special task forces handling “tiger kidnappings”

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It is being used in all areas in which it is desirable to secure actions, transactions or any type of interaction by identifying or authenticating the person making the transaction. Applications for this technology include access control, physical and remote access to computer systems, forensic or fraud detection and interactive voice response (IVR) services. The primary use in the fight against fraud is in the IVR arena, where speech verification is becoming the norm in telephone banking.

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A voice biometric is the unique representation of the characteristics that make up an individual’s voice. Voice biometric systems extract, characterise and recognise feature sets from a person’s speech signal, which accurately confirm the speaker’s identity. The technology is based on analysing the different speech signals that combined are unique to the speaker.

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Voice biometrics enables reliable, local, easy-to-use and remote identification without the potential of someone losing, copying or stealing another person’s identity.

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VoxLoc is a niche, B2B voice biometric company that securely delivers world class voice verification technology over the internet on a per click or partnership model. This service can verify a person’s identity when they repeat a pass phrase regardless of their location, language or time zone.