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| 1. About Voice Biometrics
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Voice verification is conceptually similar to fingerprinting. It is common knowledge that each person's
fingerprints have unique characteristics that can be used to distinguish one person from another. It
has also been proven that each person can be identified by the unique features of his or her vocal
characteristics and speaking patterns, i.e. no two voices are exactly the same, and your voice is
something that is unqiue to you.
In the past, voice biometrics took a back seat to other physical biometric methods of identification and verification,
such as fingerprints, facial recognition and iris scans, but new algorithms and more robust computer processing power
have increased accuracy rates exponentially, making voice biometrics a competitive threat to the more invasive,
traditional methods of identification and verification.
Since speaking is natural and effortless, and voice signal is perfectly right for real-time recording
and transmission over the telecom and Internet networks, voice biometric technology is especially good
at remote identity security for phone and web applications.
In addition, new legislation for higher levels of security in commerce make voice biometrics an attractive low-cost
option for enterprises now required to ask for three levels of ID to prevent identity theft and fraud in commerce
and homeland security.
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2. X-Guardian™ - the Leading Voice Biometric Technoloy
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The X-Guardian™ from Fondian is
the leading technology in the field of voice biometric speaker recognition, which utilizes
individually-unique biometric power of human voice to verify someone's identity over the phone or web.
The X-Guardian™ technology enables and delivers accurate, secure
and ultra reliable voice authentication solutions for dynamic security needs of financial institutions,
telecom service providers, healthcare providers, enterprises, and law enforcement and government agencies.
The X-Guardian™ server is a software server engine built on top of X-Guardian™ biometric
technology. X-Guardian™ server is designed for easy integration with existing IVR, VoIP and call center
systems to protect private information, improve efficiency, and enhance the secure delivery of remote
services over the phone and internet. Its applications include:
- Automated Password Reset
- Two-Factors Authentication
- Caller Authentication at Call Center
- Phone and On-line banking
- Payment Verification
- Web Authentication
- Voice Track, Presence Monitoring, Time and Attendance
Key features of X-Guardian™ software include:
- A fast, convenient, natural and cost-effective method of authentication;
- Unparalleled levels of accuracy;
- Capability to do enrolment and verification over the different channels or voice devices;
- Easy integration with existing IVR, VoIP and call center systems ;
- Also, together with X-FonServer™ and X-Qnet™ from Fondian alone, construct a
fully-functional, secure and complete software platform for remote voice and data self-services;
- Ultra-reliable non-stop performance;
- Simple and effective approach to defeat attack from tape-recording and playback with Fondian's speech content identifier.
In a word, X-Guardian™ opens up unlimited possibilities for remote transactions by allowing your customers
to do business with you by Internet, telephone, mobile phone or wireless device with an easy, secure and hassle-free
identity authentication process.
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3. Market Opportunity of Voice Authentication
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| Market | Application | Drivers | | Financial Services |
Access to Banking, Brokerage, 401K | Reduce Financial Risk, U.S. FFIEC Two-Factor Authentication Guidance |
| Telecom | Calling Card
Cellular Roaming
Unified Messaging
Auto Attendant
| Reduce Fraud
Protect Personal Information
Competitive Advantage
| | Retail |
Order Entry
Personalized Service | Reduce Fraud
Increase Revenue (1:1Marketing) |
| Enterprise and IT | Access to Intranet, Extranet and Corporate Applications
PIN Reset |
Increase Security
Reduce Cost | | Travel | Frequent Customer Services |
Convenience
Personalization | | Internet | Authenticate Users for
Internet
Banking and e-Commerce | Reduce Financial Risk | | Health: HMOs, Hospitals,Insurance |
Access to Patient Information
Authorize Drug Prescription
Authorize Insurance Payment |
Protect Personal Privacy
Meet HIPAA (Health Insurance Portability and Accountability Act of 1996)
Reduce Fraud | | Government/Military | Access to Sensitive Information
Parolee Tracking | Increase Security
Reduce Cost |
(Voice authentication solutions for every market)
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X-Guardian™, X-FonServer™ and X-Qnet™ are
the trademarks of Fondian® Corporation
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Solutions for Connecting People and Information
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