Abstract: An integrity network is used to authorize electronic transfer of funds between two entities such as a caller or user and a third party. The network is accessed by a user via an electronic device that is capable of transmitting voice, such as a telephone. The network uses voice recognition functions, and optionally other information to uniquely identify the user and hence guarantee the integrity of transactions. In one embodiment, a user's phone number, a cellular phone serial number, or other code can be used as a security token. A person called via the network can further validate the identity of the user. Once validated, the user becomes a trusted member of the integrity network. Financial product can be provided to the trusted member with guarantees to the network of the identity of the trusted member.