Voice biometric analysis systems and methods for verbal transactions conducted over a communications network

摘要

A voice biometric analysis system for authenticating a customer as am authorized payment card user to a merchant over a communications network includes a passive voice biometric analysis device configured to: store a plurality of respective voice samples of enrolled authorized payment card users; sample a verbal conversation between the customer and the recipient over the communications network; analyze the customer's voice characteristics from the monitored verbal conversation; compare, during the conversation, the analyzed customer's voice characteristics in the monitored verbal conversation to characteristics of at least one of the stored voice sample to authenticate the customer as one of the enrolled authorized payment card users; and advise the merchant whether the customer has been authenticated as an enrolled authorized payment card user.