Abstract: A method that includes receiving, by a server, an access request sent to a network address of a resource server from a user using a user device, the access request comprising a unique record identifier is provided. The method includes placing a call to the user device, receiving from the user a voice response to a prompt associated with an implied security question for the user, comparing the voice response of the user with a selected voice biometrics record, converting the voice response into a speech-to-text phrase, and comparing the speech-to-text phrase against a stored secret text phrase to verify that the speech-to-text phrase matches an answer to the silent security question. A method for signing a transaction, including collecting a plurality of voice samples from a user during a transaction and concatenating the plurality of voice samples into a single sound file is also provided.