SIV Applications

Claudia Daboul (IBP)Martin Eckert (T-Systems)Judith Markowitz (J. Markowitz, Consultants)08. Aug 2006

The SBC SIV-Applications Collection

Purpose of the document• Project of VoiceXML Forum Speaker Biometrics Committee (SBC)• Provide a representative set of sample SIV applications from a technical perspective• Complement the SIV-requirements document by the same working group• Serve as a test-set for the development of an SIV-extension for VoiceXML• Sample applications should cover the most important markets/industries and the most

important application categories

Main parts of the document • Overview about markets and existing applications• Future applications based on voice authentication

The SBC SIV-Applications Collection

Existing SIV applications in the document• Examples for transaction authentication

• Access to mobile phone contract details• Authentication for direct banking service• Automated password reset

• Examples for access control• SIV controlled door locks• Voice-coded car-theft protection• Personal computer access control• PC-access 2: multi-biometric authentication with usb-camera• Border control• Airborne interactive response system (AIRS)

• Examples for audio mining• Forensics: SIV on intercepted calls

The SBC SIV-Applications Collection

Future SIV applications in the document• Examples for Personalization of IVR dialogue

• E-Mail sending service• Examples for Information Retrieval

• Voice-mail tagging• Caller-identification for call-center: caller-black-list• Speech-skimming: automatic meeting transcription

• Examples for access control• Voice-only-access control for ATM• Multi-modal access control for ATM with vendor independent biometric data• PIN-less call-center authentication

The SBC SIV-Applications Collection

Classification of applicationsindustry: telecom, financial services, government, military, health care ... type: authentication for self administration, access control, audio mining …security level: low, medium, highscale of deployment: national/international, small/medium/large groups, customers ...VoiceXML-Relevance: low, medium, high

VoiceXML-Relevance• Main focus of the document are VoiceXML applications and applications that could

conceivably be implemented using voice XML• Main indications for VoiceXML-relevance:

• SIV done over a phone• SIV embedded in an IVR dialog• SIV used with concurrent ASR, e.g. for challenge response• Application has been implemented using VoiceXML with a vendor-specific SIV-

extension.• VoiceXML Relevance Scoring:

• High: two or more of above criteria • Medium: one of above criteria • Low: none of above criteria

The SBC SIV-Applications Collection

Example 1: Access To Mobile Phone Contract Details

Authentication for self-administration of mobile phone accounts (pilot implementation)

Implementer: T-SystemsVoiceXML-Platform: UnisysVerifier (text dependent) +ASR: Nuance 8.5

Authentication-Phases:Designation A: Mobile phone number transmittedDesignation B: Mobile phone number spokenIdentification: Caller repeats up to three random digit sequencesEnrollment: On six fixed digit sequencesAdaptation: If verification score exceeds threshold in more than one utterance

Benefits:• Higher security compared to CLI-Only-Authentication. • Higher flexibility compared to CLI-Only-Authentication (call in also from land line). • Higher convenience compared to Two-Factor-Authentication with PIN or TAN.

The SBC SIV-Applications Collection

Example 2: First Direct Bank of Israel Leumi

Call-Center Authentication for Direct Banking Service.

Implementer: PersayVerifier: FreeSpeech (text independent) from Persay

Authentication Phases:Designation: ID entered through DTMF Authentication: Background speaker verification on live

conversationAuthentication Alternative: Knowledge-based questions Enrollment: Data collected on three subsequent callsAdaptation: Offline reject analysis

Benefits:• Higher security compared to PIN-Code-Only-Authentication. • Higher convenience compared to Two-Factor-Authentication with mandatory

knowledge based question.• Shorter verification process compared to Two-Factor-Authentication

The SBC SIV-Applications Collection

Technical Features Example 1: • Small group identification• Concurrent processing by co-located SIV+ASR resources• Text-prompted SIV-mode on random digit sequences• Access to enrollment and authentication fallback: TANs• Enrollment on a fixed number of fixed phrases• Variable length identification-session• Detection of replay attack through challenge response• Combination of SIV and N-Best-Processing (LSIC) on designation utterance• Supervised adaptation

Technical Features Example 2:• Verification (single voice) • Background SIV processing on bridged transfer• Text-independent SIV-mode on live free speech• Access to enrollment and authentication fallback: Knowledge-based question• Enrollment distributed on several calls• Intermediate verification scores requested by operator when needed• Detection of replay attack through human operator• Language independent system

The SBC SIV-Applications Collection

Next steps

• Document will be reviewed by several companies with SIV background• Check requirements document against applications document to verify all

requirements are collected• Delivery to the W3C Voice Browser group (subgroup Speaker Authentication)

You are interested to review the document or want to provide input to your SIV application?

Any feedback would be appreciated.

http://www.voicexml.org/resources/biometrics.html

Thank you