Experian is partnering with Pennsylvania-based VoiceVerified to supply a combined data-based ID verification and voice biometric authentication service.
Under the alliance, Experian authentication technologies - combining public data sources, predictive analytics and challenge questions - will initially be used to verify customer IDs ahead of enrollment for VoiceVerified's telphony-based biometric. The consumer voiceprint is then used to validate identity for future remote interactions.
Experian says the approach conforms with US Federal Financial Institutions Examination Council guidance requirements for multi-factor authentication in online banking applications.
Jeffrey Randol, chief executive of VoiceVerified, comments: "In order to provide the greatest level of protection possible, the biometric element - in this case a voiceprint - is as unique as a fingerprint and can only be used by the correct individual. Experian's data expertise will allow us to validate an individual's identity at enrollment, ensuring future secure and trustworthy interactions for the client and consumer."
He says the telephony-based service requires virtually no hardware, licensed software or modifications to existing systems.