Visa to get behind voice recognition

Visa International Inc. is partnering with a maker of voice recognition software to develop voice authentication technology for use with Visa-brand credit cards. The two companies will be looking at applications of the biometric security in the areas of e-commerce, mobile commerce and risk management, according to a statement released Friday by Vocent Solutions Inc.

"Voice recognition is one of the ways that we're getting to the vision of universal commerce -- which we refer to as u-commerce -- being able to conduct commerce anytime, anyway, anywhere you want," said Georgann Scally, vice president of strategic alliances at Visa International.

"To do that, you have to deploy every technology available. We think voice authentication and recognition are technologies that show a lot of promise. They're simple, easy, non-invasive and very accurate," Scally said.

Visa's role in the strategic alliance will be to develop standards concerning the use of Vocent's voice recognition technology and to create prototype solutions using that technology, according to Scally. It would then be up to Vocent and Visa's member financial institutions to decide how to deploy voice recognition technology -- if at all.

Scally sees many possible applications for Vocent's technology, however.

"Pretty much every PC today comes with built in (microphones). There's also mobile commerce -- cell phones or cell phones combined with PDAs," Scally said.

Scally also sees room for Vocent's technology in Visa's Verified by Visa program to secure online credit card transactions, with voice identification replacing or even supplementing passwords to verify the identity of the purchaser.

"Vocent would be a great partner in the Verified by Visa space. You could possibly do three-factor authentication, depending on what the bank would want to do. Another possibility would be to eliminate the pin and use voice instead of a pin."

Those types of solutions, however, will require the development of technology to send speech pattern information over data channels, as opposed to phone lines, according to Craig Gould, manager of marketing and communications at Vocent.

"It's not a product we have today, but we're working towards that goal," said Gould.

For now, Visa is in the process of deploying Vocent's Voice Secure Password Reset product internally to enable its 5,000 employees to reset network passwords through Visa's internal help desk, according to Gould and Scally.

Voice Secure works by recording a voice sample for each customer or employee -- typically the sound of that person pronouncing the numbers zero through nine. Vocent's software makes a digital representation of that person's vocal track. That information is then stored and used for future comparisons, according to Gould.

The identity of subsequent callers is verified by asking each caller to pronounce a randomly selected sequence of those digits into the phone receiver. Vocent's software uses sophisticated algorithms and speech recognition technology to match the caller to the recorded digital representation of that person's voice. The random number sequence guards against the use of recorded voices to trick the system.

"It's recognition and verification simultaneously," said Gould.

In order to break into the market for credit card transactions, however, Vocent will have to not only conquer the technical challenges of delivering voice authentication information over the Internet, but also design products that are easy to implement and secure, according to security analyst Pete Lindstrom, research director at Spire Security.

"(Vocent) has to make sure that they've nailed down the architecture. The strength of the biometric is its uniqueness, but you have to maintain the integrity of the entire system for it to work," said Lindstrom.

Beyond that, both Visa and Vocent will need to get member banks and financial institutions behind the new authentication system.

"The challenge in the credit card space with new technology is that there's a robust existing business model to deal with," said Lindstrom. "Microsoft can deploy new technology because their products are backwards compatible. Smart cards tend not to be backwards compatible."

Join the newsletter!

Error: Please check your email address.
Rocket to Success - Your 10 Tips for Smarter ERP System Selection
Keep up with the latest tech news, reviews and previews by subscribing to the Good Gear Guide newsletter.

Paul Roberts

Show Comments

Brand Post

Most Popular Reviews

Latest Articles


PCW Evaluation Team

Andrew Teoh

Brother MFC-L9570CDW Multifunction Printer

Touch screen visibility and operation was great and easy to navigate. Each menu and sub-menu was in an understandable order and category

Louise Coady

Brother MFC-L9570CDW Multifunction Printer

The printer was convenient, produced clear and vibrant images and was very easy to use

Edwina Hargreaves

WD My Cloud Home

I would recommend this device for families and small businesses who want one safe place to store all their important digital content and a way to easily share it with friends, family, business partners, or customers.

Walid Mikhael

Brother QL-820NWB Professional Label Printer

It’s easy to set up, it’s compact and quiet when printing and to top if off, the print quality is excellent. This is hands down the best printer I’ve used for printing labels.

Ben Ramsden

Sharp PN-40TC1 Huddle Board

Brainstorming, innovation, problem solving, and negotiation have all become much more productive and valuable if people can easily collaborate in real time with minimal friction.

Sarah Ieroianni

Brother QL-820NWB Professional Label Printer

The print quality also does not disappoint, it’s clear, bold, doesn’t smudge and the text is perfectly sized.

Featured Content

Product Launch Showcase

Latest Jobs

Don’t have an account? Sign up here

Don't have an account? Sign up now

Forgot password?