SYSTEM AND METHOD OF SUBSCRIPTION IDENTITY AUTHENTICATION UTILIZING MULTIPLE FACTORS

摘要

A system and method of providing voice authentication to institutional customers having consumers or users. The system includes an enrollment module, a verification module, and a database. Each institutional customer has an authentication profile on the system that includes both i) instructions indicating which one or more of the voice biometric engines are to be used for a given consumer's enrollment and/or authentication, and ii) variables for implementing those instructions. A given institutional customer may have more than one set of instructions or variables for different classes of users. Vocal information is received from a user, and a baseline voiceprint is constructed therefrom for enrollment. Subsequently, more vocal information is received from the user to construct a temporary voiceprint. The temporary voiceprint is compared to a corresponding baseline voiceprint in accordance with the institutional customer's authentication profile. The profile is preferably remotely configurable by the institutional customer.