Natural Language and IoT Products Go Hand in Hand

Right now there is a “fourth industrial revolution” occurring, as the Internet of Things (IoT) continues to pick up speed. And according to a report from Opus Research, natural language will emerge as the main user interface behind the IoT.

The key takeaway from the report is that virtual assistants like Siri (Apple) and Alexa (Amazon) are conditioning consumers to trust conversational technologies. The concept of using voice-activated controls for authentication and navigation purposes is no longer considered disruptive or radical. Voice recognition is now a mainstream technology. And it’s forcing companies to form new strategies for customer support, branding, marketing, loyalty and e-commerce.

What’s more, the report explains, consumers now desire products that understand them. And consumers are disinclined to use technologies that require them to learn commands and mechanical usage instructions.

For this reason, Opus predicts that natural speech will become the primary method of user authentication for the IoT. This means you can expect to see more products like lights fixtures, stoves, security and entertainment systems that can be controlled with vocal commands.

This may sound intimidating if you have never worked with voice recognition software. Building IP-enabled products is one thing…but how on earth can you make them voice-activated?

The good news is that you don’t have to do any heavy lifting! You can outsource this process to a voice biometric authentication provider like VoiceVault. VoiceVault  offers custom voice biometric identity verification solutions that can be embedded into any device. VoiceVault offers accurate, and secure voice algorithms that run on small, integrated circuits (IC).

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It’s Not That Easy To Hack A Voiceprint

Your business is considering using voice biometric identity verification to protect its mobile accounts. This is a viable way to phase out password-based authentication. But is voice biometric authentication secure? Can a fraudster hack a voiceprint?

Despite its growing popularity (countless organizations across high-risk industries like healthcare, finance, insurance and automotives are now using the technology) there is growing concern that voice biometric authentication can be hacked.

Some critics, in other words, believe that hackers can use computer-generated voice samples to spoof voice biometric systems and gain access to private accounts. Adobe, for instance, recently created a stir when it unveiled Project Voco — a new solution that allows users to modify audio and mimic someone else’s voice. This product is essentially like Photoshop for voice samples.

Here at VoiceVault, we are aware of the threat that this new technology poses. But we are not worried about the reliability of voice biometric identity verification — and you shouldn’t be worried, either.

VoiceVault’s mobile voice biometric identity verification engine, ViGo, is specially designed to determine whether a voiceprint is coming from a live person, or from a computer. ViGo looks for more than just a mirror sound byte during the authentication process. It also factors deep determining factors like the average speed, pitch and tone of a person’s voice.

This technology comes with a false acceptance rate of just 0.01 percent, and a false reject rate of 5 percent. So the odds of a hacker spoofing the system are very low. Plus, ViGo can be fortified with multifactor security safeguards like passwords and questions for added protection.

Are you still unsold? Register for a free trial of ViGo today, and try to spoof the system yourself!

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Blockchain Technology: It’s A Start

At the recent Money20/20 conference in Las Vegas, it was hard to walk two feet in any direction without hearing the word “blockchain.” Blockchain architecture is being hailed as a revolutionary technology and a major disruptor across just about every industry — particularly in finance.

But what is it, and why is it receiving so much attention right now?

A blockchain is a never-ending, distributed transaction ledger. Blockchains are managed autonomously, without the need for a central authority. They can be either public, or private. Many companies are turning to blockchains to streamline transactions, and to reduce costs and complexities.

Blockchains are also more secure than centralized databases, because they cannot be easily modified. The distributed architecture of a blockchain eliminates the threat of someone exploiting the database from a single point of entry.

If your business is considering implementing blockchain architecture, that’s a great start in safeguarding your data. But it won’t solve your user authentication problems. For example, while a blockchain setup can protect your business from unauthorized data tampering, it won’t protect your business from users making fraudulent transactions.

To nip the problem in the bud, you’ll want to couple your blockchain with a strong mobile voice biometric authentication solution.

Why use voice biometric authentication to secure your mobile accounts? A voice biometric engine will analyze a user’s voiceprint at the time of login and scan for a variety of determining factors before granting him or her entry.

With a voice biometric authentication solution in place, you can rest assured that all transactions within your blockchain are placed intentionally.

Are you to new to voice biometrics? Try a demo for yourself, and you will see just how easy and secure it is. To get started, click here.

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Signatures Should Never Slow Down Transactions

Up until this point, your business has been requiring customers to submit “wet,” or ink-based signatures for certain transactions.

This is a highly inefficient process, for the following reasons:

It delays the transaction: Wet signatures must often be sent through the mail, received and processed before they can be finalized. In some cases, it can take several days or weeks to receive a wet signature and finalize a transaction. Aside from delaying closings, this process can also give customers the chance to reconsider their commitments.

It’s inconvenient for the customer: Transactions should also be painless. If at all possible, customers should not have to be physically present when authorizing transactions. There’s nothing worse than having to travel long distances to close deals.

It’s risky: Paper documents can be lost, stolen, destroyed or manipulated.

So, what can you do to abandon wet signatures?

You should look into voice biometric identity verification.

VoiceVault’s e-signature technology can be used to enforce legally binding transactions. It’s recognized as legally binding under the E-Sign Act. It’s also compliant with HIPAA/ CMS, DOI, FDA 21CFR Part II and the EU Directive 1993/93/EC.

How does it work? It’s simple: All a customer has to do is speak a short phrase into the microphone of his or her device. VoiceVault’s voice biometric identity verification engine will then scan the customer’s voiceprint and asses a variety of different factors to determine if it is authentic.

Using VoiceVault’s e-signature solution, your business can expedite sales and improve the customer experience.

Want to learn more information? For more information, click here. You can also request a demo today!
Want to see how easy the process is? Click here to try a free demo.

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In Case You Missed It: BioConnect Talks Voice Biometrics at Money20/20

In a recent post, we explained how identity management provider BioConnect is using VoiceVault’s voice biometric identity verification software to enhance its universal identity management platform.

BioConnect users can now log into multiple accounts using just their voice — providing an easy, and convenient, authentication experience that is free of passwords and security questions.

Last week, BioConnect showcased their solution during a demonstration at Money20/20, one of the biggest financial technology events of the year.

BioConnect VP of Strategic Marketing & Global Alliances Bianca Lopes was joined on stage by her client, whose company is directly benefiting from their product. Attendees were able to see firsthand what a voice biometric-based login looks like.

Lopes also spoke about the need for identity management solutions that are agnostic of modality, device and identity. She explained how consumers today want to be able to authenticate using any device and modality. So merchants, banks, fintech startups and gateway companies need to be able to offer seamless authentication across multiple channels.

We recommend that you watch the brief presentation below, as it will give you a better overview of how companies are using voice biometrics to improve the login experience.

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Use Voice Biometrics To Protect Mobile Payments

Mobile payments now account for 14 percent of transactions among merchants who accept them. However, they also account for 21 percent of fraud cases.

Indeed, mobile fraud is a major challenge that companies need to overcome on their mobile applications. It’s just not easy to tell, though, whether a customer is in fact who he or she claims to be when making a transaction.

Fortunately, there is a readily-available solution that can help: Voice biometric identity verification.

Voice biometric authentication allows an end user to verify his or her identity by simply speaking a short phrase into the microphone of a mobile device. It’s a painless process that only takes about five seconds. And it’s much more secure than any other type of authentication solution on the market, as a voiceprint cannot be easily compromised.

Voice biometric authentication is great for a customer, as it provides peace of mind for sensitive payment information. And it’s great for a merchant, as it can help reduce costly fraud instances.

Here at VoiceVault, we offer a mobile payments authentication solution that can be easily added onto your existing application or platform. Your company can use our code to enhance its existing solution, without having to undergo a major software overhaul.

One company that recently integrated our technology is BioConnect, which offers a universal Identity Platform. BioConnect users can now log into their accounts with their own voice. They simply have to respond to a short visual or audio prompt.

“Ease of use, security and fraud reduction are major drivers as to why we’re seeing changes to identity verification within every day, run of the mill banking applications,” stated Bianca Lopes, Vice President of Strategic Marketing and Global Alliances for BioConnect. “VoiceVault has a brilliant track record and a sound voice recognition technology that will provide enterprise clients with ease of use, scalability and ultimately, greater choice by being a part of the BioConnect Identity Platform.”

Are you at Money 20/20 in Las Vegas? If so, make sure to stop by and check out BioConnect’s use case demonstration, which will take place during the Demos & Announcements track (October 25 at 5:30).

VoiceVault will also be on hand at Money 20/20 at booth 1433.

VoiceVault Money2020

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Voice Biometrics and Omnichannel Shopping: They Go Hand in Hand

Your company has omnichannel fever. Sales, engineering and marketing are working together to create a seamless shopping experience across all channels—from your main website to your mobile applications. And in doing so, the team is leaving no stone unturned.

Now, it’s time to consider how your identity verification setup aligns with your omnichannel strategy.

Login, after all, is a big part of the shopping experience for customers. Customers must verify their identities every time they switch devices or attempt to access secure areas. So the type of login that you choose can either help or hinder the omnichannel process.

A traditional login experience – meaning one that uses usernames and passwords – will act as a barrier for customers. It may even deter some customers from using certain channels. For example, if a customer has a complicated password and lengthy username, he or she may have to write down their login credentials. And that customer may be less inclined to use your mobile channels while they are on-the-go.

One user-friendly alternative you should consider is voice biometric identity verification.

A voice-based authentication system will work across all of your channels—providing a simple, safe and consistent login experience for your customers. Instead of having to manually type in a password and username at every checkpoint, all your customers will have to do is recite a short phrase into his or her phone. A cloud-based voice biometric engine will then scan the customer’s voiceprint and grant login if the credentials are a perfect match.

Voice-based authentication is the ideal identity verification solution for shoppers, as it’s non-invasive and extremely convenient. The process only takes a few seconds.

Want to see how easy the process is? Click here to try a free demo.

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The Yahoo Hack: It Could Have Been Your Company

The business world is still reeling from Yahoo’s recent announcement that 500 million user accounts were hacked in 2014. The hack is regarded as the largest publicly-disclosed data breach of all time.

As of right now, the incident is under investigation by the FBI. The source, motive and method behind the attack are still unknown.  It remains to be seen whether the breach will impact Yahoo’s pending $4.8 billion sale to Verizon.

What is clear is that hackers obtained direct access to customers’ names, email addresses, birthdates and phone numbers. In some cases, security questions and answers were revealed as well.

This data breach should be a clear reminder that passwords are highly vulnerable to hacking. It’s an opportunity to look into security solutions other than passwords.

“Cybercriminals know that consumers use the same passwords across websites and applications, which is why these millions of leaked password credentials are so useful for perpetuating fraud,” explained FIDO Alliance executive director Brett McDowell in a recent CNET article. “We need to take that ability away from criminals, and the only way to do that is to stop relying on passwords altogether.”

One way to do this is to implement voice biometric identity verification.

Voice biometric identity verification can be used as a standalone security checkpoint for mobile or Web accounts. Or, it could be used in conjunction with other technologies. This strategy is called two-factor authentication.

With a voice biometric authentication system enabled, stolen passwords are rendered useless. In order to log into an account, a user is required to submit an exact voiceprint. Voiceprints are almost impossible to spoof, based on the fact that they analyze multiple parts of a person’s speech.

VoiceVault’s ViGo developer program makes it incredibly easy to install voice biometric authentication. See for yourself! To start your free 45-day trial of the ViGo developer program, click here.


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Heading to Money 20/20 2016? Focus on Identity and Access Management

It’s almost time for one of the biggest financial innovation conferences of the year: Money 20/20, October 23-26 in Las Vegas. This event will bring together over 10,000 attendees and 500 speakers from 75 countries.

If you’re heading to Money 20/20 for the first time, you are in for quite an experience. Money 20/20 is a whirlwind of financial ideas and technological innovations. Just walking through the exhibition floor will open your eyes to countless new opportunities. Track topics will span from digital banking and personal finance to blockchain technology.

Since you’ll have limited time at Money 20/20, and a limited budget, it’s a good idea to head into the conference with a clear idea of some things you want to improve in your organization.

One process that you should shortlist is identity and access management – especially if you are still using a password and username-based login system.

Why focus on learning more about identity and access management at Money 20/20? As of right now, your business has no plan to abandon its password-based login system. Instead, your passwords are becoming longer, and more complex.

As a result, you can expect to see an increase in customer lockouts. Complex passwords are difficult to remember, and difficult to enter – especially on mobile devices. So customers are bound to run into difficulties during the login process.

What happens when customers get locked out of their accounts? They must dial into your help desk. Agents must manually reset their passwords, which takes time. And when the contact center is closed, customers must wait until the following business day to unlock their accounts.

VoiceVault Identity Manager (ViM) is a voice-based identity access and management solution that can help streamline this problem. ViM allows customers to reset passwords using their own secure voiceprints. It’s a fully-automated solution that can run 24 hours a day, 7 days a week, 365 days a year. This program can run on an IVR system, and on a mobile device.

Here’s the best part: It costs as low as $1 per user, per year.

So if you’re heading to Money 20/20, make sure to stop by the VoiceVault booth (#1433) to learn more about how ViM can help reduce password-related complications. VoiceVault will be on hand as a star sponsor of the event.

VoiceVault Money2020

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Worried How Your Customers Will React if you Abandon Passwords?

You and your stakeholders want to move forward with mobile voice biometric identity verification. There is just one thing holding your business back. That is, fear about how your customers – who have long been using passwords – will react.

We understand this challenge. Your customers, are all familiar with passwords. And they may be reluctant to abandon them in favor of a new technology.

You can sway their opinions by communicating the following points:

It’s similar to using a traditional password: The voice authentication process still involves entering a code to gain access to an account. It’s just a different method of doing so. Instead of typing in numbers and letters, the user speaks a short phrase.

Customers can still use traditional passwords: Voice biometric authentication does not have to fully replace passwords. They can be used together for additional security. This is called multifactor authentication.

It’s much faster: Voice biometric authentication takes just a few seconds.  Plus, it completely eliminates time-consuming problems like forgetting credentials and getting locked out.

The process is safer: A traditional password can easily be stolen or spoofed by a hacker. A voiceprint, however, cannot be stolen or spoofed. It is too complex.

Traditional passwords are being phased out: Businesses everywhere are moving on from passwords. In fact, 66 percent of enterprises are currently phasing out passwords and even usernames.

Keep in mind that change and innovation is always met with a bit of resistance at first. By implementing voice biometric identity verification, your company will greatly enhance its mobile security strategy. And customers will soon see how much easier and user-friendly the process is.


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