2016 Pindrop™.

THE FUTURE OF

RSA Conference 2016

VOICE AUTHENTICATION

2016 Pindrop™.

VOICE IS THE NEW INTERFACE

2016 Pindrop™.

THE CALL CENTER IS THE WEAKEST LINK

PHYSICALHighly Defended

6+ Layers of Security

ONLINEHighly Defended

6+ Layers of Security

PHONELightly Defended

1-2 Layers of Security*

ANI CheckKnowledge-based Authentication

LoginIP Address

Device FingerprintOut of Band

KBA’sSession / Behavior

Perimeter Surveillance

Physical PaymentIdentificationPIN Number

Access Controls

Marking Two Factor

2016 Pindrop™.

FINDING THE TRUTH

“Achieving absolute certainty about an identity's legitimacy is

impossible. Focus instead on assessing the probability that an

identity claim is legitimate.”

Gartner: “Absolute Identity Proofing Is Dead; Use Dynamic Identity Assessment Instead”, November 16, 2015

2016 Pindrop™.

HOW DO YOU VERIFY A CALLER?

Phone Number• Easily found

• Easily spoofed

Knowledge-based Authentication• Widely available (Facebook, Ancestry,

criminal databases, etc.)• Guessable

Voice Biometrics• Difficult to fake (currently)

• Easier to make fail

2016 Pindrop™.

PINDROP IN PRACTICE

Pindrop analyzes all inbound calls

Easy to read scores allow better call handling so call centers can

save time and money

Low risk – fast authentication

14

5

22

19

3167

89

5

67Medium risk – agent proceed with additional authentication

89ESCALATE – transfer call to fraud-trained call agent

Tier II/Fraud

Case Manager

Call: High RiskCaller ID Spoofing PresentKnow Fraud ANI404-505-6060

89

2016 Pindrop™.

PHONEPRINTING™ AUDIO ANALYSIS

Pindrop’s Patented Phoneprint™

147 factors analyzedon every call

Risk ScoreEvery call, every time

Initial call

Geo-Location

Call Type

Risk Factors

Unique Phone

LossPacket loss, Robotization, Dropped frames

SpectrumQuantization, Frequency filters, Codec artifacts

NoiseClarity, Correlation, Signal-to-noise ratio

80%+ detection rate of ALL fraud calls <1% false positives

2016 Pindrop™.

PHONE TRAFFIC ANI

CallData

Reputation Consortium

Geography

Phone Type

Phoneprint

Voiceprint

Multifactor Analysis

Continuous Scoring for IVR Analytics and 30 Seconds for Audio analysis

Network

Behavior

Call Statistics

Pre-

call

IVR

Cal

l Cen

ter

Audio

Quick verification of good calls reduces call time and saves money

Suspicious callers are flagged, routed or “Step up Authenticated”. Additional investigation further reduces losses

Bad callers and high risk accounts are flagged and losses stopped

Cal

l Pro

gres

sion

CONTINUOUS CALL SCORING ANALYTICS

2016 Pindrop™.

VERIFYING A CALLER WITH PINDROP

Phone Number

Phone Reputation

IVR Behavior

Call Behavior

Phoneprint

Voiceprint

Location

Device Type

Knowledge-based Authentication

2016 Pindrop™.

THE PINDROP DIFFERENCE

CollaborativeShare info across organizations

Every CallFunction in adverse conditions, on all or most calls

Anomaly DetectionDetect fraud on the first call

TransparentFast, behind the scenes

MultifactorExamine multiple aspects of call for accuracy

PredictiveDetect attacks early in the Kill Chain

2016 Pindrop™.

PINDROPPhone Fraud Stops Here.