Abstract: A system, method and apparatus is disclosed for voice biometric and interactive authentication including the obtaining of a voice authentication file and a sequence of user's face images and making a decision about the presence of a dummy on the images. A distinctive feature of invention combine pronunciation of a phrase (in addition to physically typing in) taken from this grid with the voice biometrics that will double check not only if the voice is correct, but if the numbers are correct as well. This passphrase is secured during pronunciation because the numbers are changing randomly and frequently while the same numbers are also placed in the other places along the selected graphic, grid, pattern or a combination thereof.