Patent ID: 7340042

Claim:
A system of providing to institutional customers third-party voice authentication of consumers of the institutional customers, comprising: a first communication link, accessible by the consumers; software associated with said first communication link that prompts the consumers to enter vocal responses; at least one centralized server in communication with said first communication link; an enrollment module on said at least one centralized server in communication with said first communication link for collecting voice samples of the consumers from said prompted vocal responses and constructing baseline voiceprints of said voice samples; a verification module on said at least one centralized server in communication with said first communication link and said enrollment module for collecting voice samples and constructing temporary voiceprints for comparison to corresponding said baseline voiceprints; a plurality of voice biometric engines residing on said system and accessible by said verification module for determining how similar a given temporary voiceprint is to one of said baseline voiceprints; for each of the institutional customers, a profile residing on said system having instructions indicating which one or more of said voice biometric engines are to be used for a corresponding consumer's enrollment or voice authentication and variables for implementing said instructions; and a second communication link between said system and the institutional customers, wherein if one of said temporary voiceprints is determined to be sufficiently close to a corresponding of said baseline voiceprints by at least one of said voice biometric engines in accordance with a corresponding said profile, the consumer is authenticated.