Patent ID: 7992196

Claim:
A method for performing secured identity authentication of a user of a terminal using biometric voice verification comprising: establishing a first connection between the terminal and an institution; establishing a second connection between the institution and a verification service, wherein the verification service maintains a pre-existing voiceprint of the user; generating a secret key and a session identifier in the verification service; sending the secret key session identifier to the institution via the second connection; establishing a third connection between the verification service and the terminal; generating a random voice prompt by the verification service and sending the random voice prompt to the user via the third connection; repeating the random voice prompt by the user, generating an audio data and supplying the audio data to the verification service via the third connection; converting the audio data to a voiceprint via the verification service; and determining via the verification service one of a match between the voiceprint and the pre-existing voiceprint and a non-match between the voiceprint and the pre-existing voiceprint; generating a binary string in the verification service, wherein the binary string matches the secret key if the verification service determines the match between the voiceprint and the pre-existing voiceprint and wherein the binary string does not match the secret key if the verification service determines the non-match between the voiceprint and the pre-existing voiceprint; sending the secret key from the verification service to the institution; sending the binary string from the verification service to the terminal; sending the binary string from the terminal to the institution; and authenticating an identity of the user by comparing the binary string to the secret key at the institution.