A voice authentication transaction system may receive, as part of an authorization request to authorize a transaction of the customer, information that specifies an identity of the customer and a sample of the customer's speech. The system may generate various voice information based on the specified speech sample, and may determine whether to authorize the transaction based at least in part on validating the speech sample, such as by comparing the generated voice information with stored voice reference information already associated with the indicated customer identity. The customer may present a portable instrument such as a mobile device or smartcard to a point-of-sale terminal, and the portable instrument may include securely stored voice reference information for comparison with the voice information generated based on the provided speech sample. The voice reference information may be securely stored by a remote server.
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