Preventing financial fraud through voice biometrics

In the internet age, loss of personal credentials through security breaches (such as the recent Target breach) has become a common occurrence. This places individuals and financial institutions at an elevated risk of fraudulent activity. However some of this activity may be stopped in its tracks through voice biometrics. Consider that case when a user calls the wire transfer line to request a wire. The user presents some “secret” information, and then is able to complete the transaction. However under this setup the secret information could easily be stolen and then used against the account owner. However, if the bank deploys a voice biometric system, not only will the credentials of the user be stored in the system’s database, by also a small biometric key of the user that will be less than a kilobyte in size, shall contain the voiceprint of the user. Every time the user calls for a transaction, his voice shall be analyzed and a match will be created to tell if it is the same user. If an imposter makes the call, the system will clearly warn the agent to increase the security level, and use stricter authentication methods.

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Voice-enable your mobile app to enable hands-free usage

Texting thumb is every smartphone user’s nightmare. All because mobile apps have invaded every facet of modern lives—socializing, shopping, banking, and so on. And, they promise to get still more versatile. Voice technology is predicted to power the next wave of mobile apps.

Consider for example a grocery store shopping mobile app. What every smartphone owner could use is a voice-enabled version, which would accept spoken input instead of compelling the user to fumble on a tiny keyboard. And the app would actually understand and respond to what has been said. Using an online grocery store’s app, they could just rattle off their shopping list and let the app search for the items and fill the cart. Then they could command the app to proceed to checkout, and voila! Without a single keystroke, the chore is done (leave aside waiting for the home delivery). No fumbling, no worn out thumbs. Nothing beats hands-free voice input—wouldn’t you agree?

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Automatic subtitling with speech recognition

Thanks to the evolution of speech recognition technology, there’s an easier and faster way of converting speech into text—such as for generating transcripts of audio content. Machines can perform this time-consuming tedious job accurately and quickly.

So who needs speech to text functionality?

Audio sections of libraries generate transcripts of faculty lectures and guest talks for students’ reference. Organizations like TED generate English transcripts of TED talks, which make it easier for people to translate the talks into other languages for a wider reach. Broadcasters generate closed captioning, also called subtitling for television programming, which lets the deaf and those who are hard of hearing follow the news and shows.

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