Abstract: An apparatus including a computer processor, and a computer memory. The computer processor may be programmed to receive a voice input of a first person and a request for authorization by the first person to access an account from an authorized computer software application; to perform audio watermark recognition technology on the voice input to determine if the voice input satisfies expected audio watermark data stored in the computer memory for a first authorized person; to perform voice biometric technology on the voice input to determine if the voice input satisfies expected voice biometric data stored in the computer memory for the first authorized person; and to produce an output to the authorized computer software application to indicate that the voice input is from the first authorized person, based at least in part on the voice input satisfying expected audio watermark data and expected voice biometric data.