Authenticate.

With Voice.

Biometrics at a Glance

The term “biometrics” is derived from the Greek words “bio” (life) and “metrics” (to measure). Automated biometric systems have only become available over the last few decades, due to significant advances in the field of computer processing. Many of these new automated techniques, however, are based on ideas that were originally conceived hundreds, even thousands of years ago.

Biometrics at a Glance• Dates back to as early as 500 B.C. when Babylonian business transactions are recorded in clay

tablets that include fingerprints.• First “documented” method was the Bertillon system in France that measured and recorded

fingerprints in 1870.• 1904- NY State Prison system has first “fingerprint” record keeping “database”.• 1960- In Sweden, acoustic speech production is documented in the first voice biometric

attempt to study patterns of voice sound.• 1970- Behavioral and biological components of speech are first modeled using motion X-Rays. • 1976- First prototype system for speaker recognition is developed by Texas Instruments and

tested by US Air Force and MITRE Corporation. • 1980- National Institute of Science and Technology (NIST) establishes NIST Speech Group to

study speech processing techniques. • 1996- National Security Agency (NSA) begins funding NIST advancement in voice biometric

identification software.

Company and Product Overview• Joint Venture between NSDB and Signature Card Services.

– Collective 30 years experience in payment processing– NSBD holds several international patents in the

payments/processing space.– Signature Card Services is in the top 2% of acquirers world-wide.

• Offices in Hong Kong and Sydney. • First voice biometric company offering three different and

unique services: Voice Matching, Voice Passwords and Voice Authentication.

• Web-based software that easily integrates into a companies website, mobile application or proprietary software.

Face BiometricsInexpensive software that is readily available. Can be manipulated, only distinguishing characteristic are jaw/eye settings.

Pros and Cons of Popular Biometrics

Fingerprint BiometricsOldest and most widely available technology. Manipulation possible, easy to hack (German minister’s fingerprints were faked from high resolution photos).

Pros and Cons of Popular Biometrics

Signature BiometricsLeast expensive method for collection and modern signature comparison software is easily attainable/inexpensive. Has been proven to be easily manipulated and not secure.

Pros and Cons of Popular Biometrics

Voice BiometricsStatic and dynamic system (speaker recognition and verification) which is only multi-factor authentication scenario. Least expensive from a cost factor.Very fast and considered least intrusive. Voice may change with age/illness/ambient noise. New technology is addressing.

Pros and Cons of Popular Biometrics

Vocaone Product SuitevocaPASS (matching voiceprints -- specifically to benefit account security)vocaSIGN (validating text-dependent speech -- specifically to provide accurate cardholder authentication for high-risk merchants and applicable payment gateways)vocaMATCH (an online voiceprint matching service, specifically to benefit law enforcement )

Why Vocaone?• 40% of business costs for individual cases of

identity theft exceed $15,000. The Aberdeen Group has estimated that $221 billion a year is lost by businesses worldwide due to identity theft.

• Average voice authentication time is 5 seconds. • EMV adoption will most likely cause fraud to

migrate online, increasing the need for stronger authentication solutions like voice-biometric based tools.

• Simple integration• Low cost

Easy Enrollment and Sign Up

Initial Enrollment Screen

Verification

Automated Phone Call Back

Microphone/At PC Enrollment

Verification of Microphone Enrollment

Approval Notification

Welcome Message

Next Steps• Let us know your scope of work/needs• Evaluate APIs– PHP Documentation

• Integrate

For more information please contact sales@vocaone.com

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