Abstract: A method for separating and authenticating speech of a speaker on an audio stream of speakers over an audio channel may include receiving audio stream data of the audio stream with speech from a speaker to be authenticated speaking with a second speaker. A voiceprint may be generated for each data chunk in the audio stream data divided into a plurality of data chunks. The voiceprint for each data chunk may be assessed as to whether the voiceprint has speech belonging to the speaker to be authenticated or to the second speaker using representative voiceprints of both speakers. An accumulated voiceprint may be generated using the verified data chunks with speech of the speaker to be authenticated. The accumulated voiceprint may be compared to the reference voiceprint of the speaker to be authenticated for authenticating the speaker speaking with the second speaker over the audio channel.

Abstract: A computer-implemented method for proactive fraudster exposure in a customer service center having multiple service channels is provided herein. The computer-implemented method may collect call interactions based on predefined rules by a calls collection engine and store the collected call interactions. The computer-implemented method may further analyze the call interactions by a Proactive Fraud Exposure engine by: (i) generating a voiceprint for each call interaction; (ii) using machine learning technique to group the call interactions into one or more clusters based on respective voiceprints in the voiceprints database; (iii) storing the one or more clusters; and (iv) ranking and classifying the one or more clusters to yield a list of potential fraudsters. The computer-implemented method may further transmit the list of potential fraudsters to a user to enable the user to review said list of potential fraudsters and to add fraudsters from the list to a watchlist database.

Abstract: A computer-implemented method for proactive fraudster exposure in a customer service center according to content analysis and voice biometrics analysis, is provided herein. The computer-implemented method includes: (i) collecting call interaction; (ii) storing the collected call interactions; (iii) performing a first type analysis to cluster the call interactions into ranked clusters and storing the ranked clusters in a clusters database; (iv) performing a second type analysis on a predefined amount of the highest ranked clusters, into ranked clusters and storing the ranked clusters; the first type analysis is a content analysis and the second type analysis is a voice biometrics analysis, or vice versa, (v) enabling a user to repeat steps (iii) and (iv); (vi) retrieving from the ranked clusters, a list of fraudsters; and transmitting the list of potential fraudsters to an application to display to a user said list of potential fraudsters via a display unit.

Abstract: A computer-implemented method for proactive fraudster exposure in a customer service center according to content analysis and voice biometrics analysis, is provided herein. The computer-implemented method includes: (i) collecting call interaction; (ii) storing the collected call interactions; (iii) performing a first type analysis to cluster the call interactions into ranked clusters and storing the ranked clusters in a clusters database; (iv) performing a second type analysis on a predefined amount of the highest ranked clusters, into ranked clusters and storing the ranked clusters; the first type analysis is a content analysis and the second type analysis is a voice biometrics analysis, or vice versa, (v) enabling a user to repeat steps (iii) and (iv); (vi) retrieving from the ranked clusters, a list of fraudsters; and transmitting the list of potential fraudsters to an application to display to a user said list of potential fraudsters via a display unit.

Abstract: Systems and methods for generating and implementing a real-time multi-factor authentication policy across multiple channels, are configured to: during a pre-authentication stage: receive, via a user interface, information defining one or more scenarios; receive, via the user interface, information defining one or more authentication flows; for each of the one or more scenarios, map one of the one or more authentication flows to a given scenario; and generate a multi-factor authentication policy associated with each of the one or more scenarios; and during a real-time authentication stage: upon receiving an interaction, identify, by a decision engine, a relevant scenario of the one or more scenarios; implement, by the decision engine, the multi-factor authentication policy associated with the relevant scenario; and determine, by the decision engine, an authentication result.

Abstract: A method for separating and authenticating speech of a speaker on an audio stream of speakers over an audio channel may include receiving audio stream data of the audio stream with speech from a speaker to be authenticated speaking with a second speaker. A voiceprint may be generated for each data chunk in the audio stream data divided into a plurality of data chunks. The voiceprint for each data chunk may be assessed as to whether the voiceprint has speech belonging to the speaker to be authenticated or to the second speaker using representative voiceprints of both speakers. An accumulated voiceprint may be generated using the verified data chunks with speech of the speaker to be authenticated. The accumulated voiceprint may be compared to the reference voiceprint of the speaker to be authenticated for authenticating the speaker speaking with the second speaker over the audio channel.

Abstract: In a system and method for audio analysis in a cloud-based computerized an authentication (RTA) manager micro-service may send an audio packet to a voice processor micro-service. The voice processor may extract features of the audio. The RTA manager may obtain the extracted features from the voice processor; calculate, based on the extracted features, a quality grade of the audio packet, and send the extracted features to an at least one voice biometrics engine if the quality grade is above a threshold. Each of the at least one voice biometrics engines may be configured to generate a voiceprint of the audio packet, based on the extracted features of the audio packet and to perform at least one of: authenticate a speaker, detect fraudsters, and enrich a previously stored voiceprint of the speaker with the voiceprint of the audio packet.

Abstract: A method for separating and authenticating speech of a speaker on an audio stream of speakers over an audio channel may include receiving audio stream data of the audio stream with speech from a speaker to be authenticated speaking with a second speaker. A voiceprint may be generated for each data chunk in the audio stream data divided into a plurality of data chunks. The voiceprint for each data chunk may be assessed as to whether the voiceprint has speech belonging to the speaker to be authenticated or to the second speaker using representative voiceprints of both speakers. An accumulated voiceprint may be generated using the verified data chunks with speech of the speaker to be authenticated. The accumulated voiceprint may be compared to the reference voiceprint of the speaker to be authenticated for authenticating the speaker speaking with the second speaker over the audio channel.

Abstract: A system and method of voice authentication of an audio stream represented to be the spoken voice of a person, may include receiving via a device such as telephony device a voice stream or voice recording represented to be that of a person speaking, providing an interfering or interrupting audio signal to the device, and using information regarding the interfering audio signal, determining if the voice stream indicates a reaction to the audio output. In such a manner it may be determined if the spoken voice is that of a real, live, person, speaking in real-time, or that of a device or person attempting to imitate a person (e.g. using a recording).

Abstract: In a system and method for audio analysis in a cloud-based computerized an authentication (RTA) manager micro-service may send an audio packet to a voice processor micro-service. The voice processor may extract features of the audio. The RTA manager may obtain the extracted features from the voice processor; calculate, based on the extracted features, a quality grade of the audio packet, and send the extracted features to an at least one voice biometrics engine if the quality grade is above a threshold. Each of the at least one voice biometrics engines may be configured to generate a voiceprint of the audio packet, based on the extracted features of the audio packet and to perform at least one of: authenticate a speaker, detect fraudsters, and enrich a previously stored voiceprint of the speaker with the voiceprint of the audio packet.

Abstract: A computerize method for voice authentication of a customer in a self-service system is provided. A request for authentication of the customer is received and the customer is enrolled in the self-service system with a text-independent voice print. A passphrase from a plurality of passphrases to transmit to the customer is determined based on comparing each of the plurality of passphrases to a text-dependent or text-independent voice biometric model. The passphrase is transmitted to the customer, and when the customer responds, an audio stream of the passphrase is received. The customer is authenticated by comparing the audio stream of the passphrase against the text-independent voice print.

Abstract: Methods and systems for transforming a text-independent enrolment of a customer in a self-service system into a text-dependent enrolment are provided. A request for authentication of a customer that is enrolled in the self-service system with a text-independent voice print is received. A request is transmitted to the customer to repeat a passphrase and the customer's response is received as an audio stream of the passphrase. The customer is authenticated by comparing the audio stream of the passphrase against the text-independent voice print and if the customer is authenticated then a text-dependent voice print is created based on the passphrase, otherwise discard the audio stream of the passphrase.

Abstract: Methods and systems for transforming a text-independent enrolment of a customer into a text-dependent enrolment are provided. A request for authentication of a customer that is enrolled in the self-service system with a text-independent voice print is received. A request is transmitted to the customer to repeat a passphrase and the customer's response is received as an audio stream of the passphrase. The customer is authenticated by comparing the audio stream of the passphrase against the text-independent voice print and if the customer is authenticated then a text-dependent voice print is created based on the passphrase. Upon receipt of a subsequent request for authentication of the customer, a request may be transmitted to the customer to repeat the passphrase. Another audio stream of the passphrase may be received. The customer may be authenticated by comparing the another audio stream of the passphrase with the text-dependent voice print.

Abstract: A computerize method for voice authentication of a customer in a self-service system is provided. A request for authentication of the customer is received and the customer is enrolled in the self-service system with a text-independent voice print. A passphrase from a plurality of passphrases to transmit to the customer is determined based on comparing each of the plurality of passphrases to a text-dependent or text-independent voice biometric model. The passphrase is transmitted to the customer, and when the customer responds, an audio stream of the passphrase is received. The customer is authenticated by comparing the audio stream of the passphrase against the text-independent voice print. If the customer is authenticated, then storing the audio stream of the passphrase and the topic of the passphrase.

Abstract: In a system and method for audio analysis in a cloud-based computerized an authentication (RTA) manager micro-service may send an audio packet to a voice processor micro-service. The voice processor may extract features of the audio. The RTA manager may obtain the extracted features from the voice processor; calculate, based on the extracted features, a quality grade of the audio packet, and send the extracted features to an at least one voice biometrics engine if the quality grade is above a threshold. Each of the at least one voice biometrics engines may be configured to generate a voiceprint of the audio packet, based on the extracted features of the audio packet and to perform at least one of: authenticate a speaker, detect fraudsters, and enrich a previously stored voiceprint of the speaker with the voiceprint of the audio packet.

Abstract: Methods and systems for transforming a text-independent enrolment of a customer in a self-service system into a text-dependent enrolment are provided. A request for authentication of a customer that is enrolled in the self-service system with a text-independent voice print is received. A request is transmitted to the customer to repeat a passphrase and the customer's response is received as an audio stream of the passphrase. The customer is authenticated by comparing the audio stream of the passphrase against the text-independent voice print and if the customer is authenticated then a text-dependent voice print is created based on the passphrase, otherwise discard the audio stream of the passphrase.

Abstract: Methods and systems for transforming a text-independent enrolment of a customer in a self-service system into a text-dependent enrolment are provided. A request for authentication of a customer that is enrolled in the self-service system with a text-independent voice print is received. A request is transmitted to the customer to repeat a passphrase and the customer's response is received as an audio stream of the passphrase. The customer is authenticated by comparing the audio stream of the passphrase against the text-independent voice print and if the customer is authenticated then a text-dependent voice print is created based on the passphrase, otherwise discard the audio stream of the passphrase.

Abstract: A computerize method for voice authentication of a customer in a self-service system is provided. A request for authentication of the customer is received and the customer is enrolled in the self-service system with a text-independent voice print. A passphrase from a plurality of passphrases to transmit to the customer is determined based on comparing each of the plurality of passphrases to a text-dependent or text-independent voice biometric model. The passphrase is transmitted to the customer, and when the customer responds, an audio stream of the passphrase is received. The customer is authenticated by comparing the audio stream of the passphrase against the text-independent voice print.

Abstract: Methods and systems for transforming a text-independent enrolment of a customer in a self-service system into a text-dependent enrolment are provided. A request for authentication of a customer that is enrolled in the self-service system with a text-independent voice print is received. A request is transmitted to the customer to repeat a passphrase and the customer's response is received as an audio stream of the passphrase. The customer is authenticated by comparing the audio stream of the passphrase against the text-independent voice print and if the customer is authenticated then a text-dependent voice print is created based on the passphrase, otherwise discard the audio stream of the passphrase.

Abstract: A system and method for database flow management may include a rule engine which may examine information related to an interaction; select an action queue from the plurality of action queues; and store, in the selected action queue, archiving information related to the interaction. A recorder may select an action queue from the plurality of action queues; extract archiving information from the selected action queue and perform an archiving operation based on the extracted archiving information. The recorder may update an archiving information queue according to a result of the archiving operation. A unit may examine the plurality of archiving information queues to identify completed archiving operations and update a global table to include completed archiving operations. Other embodiments are described and claimed.