Multi-factor authentication (voice) – strong protection against hackers
Just entering the password for the user when logging in may not be enough. More and more frequent attacks in the cyber network aimed at identity theft have made it necessary to strengthen the protection of existing authorization methods. Multi-factor authentication has become widespread. Banks and other payment institutions, in order to improve security, have been obliged under the PSD2 Directive *) to introduce strong multi-factor authentication (at least two-stage), which, due to its effectiveness, is also used to secure accounts and systems not only in banks.
What is multi-factor authentication?
Multi-factor authentication (most often used as two-factor authentification (2FA) is an effective method of securing accounts by using an additional verification factor in addition to the password.
The point is that after traditional authorization, we are talking about logging in with a username and password, additional authentication is required in a different way, independent of the previous method, by means of additional identifying elements. Such an element can be a USB key or biometric features - fingerprints, pupil, face and voice. Available research shows that from the point of view of online criminals, it is biometric security that is much more difficult to circumvent. Thanks to the high reliability of biometric systems, this type of authentication has a chance to develop the fastest.
VoiceToken as one of the multi-factor authorization methods
While touch biometrics in the form of fingerprints or face scanning have already settled in our lives for good, voice authentication is still not as common as we would like. For no reason at all, because multi-factor authentication, which uses voice, is a very strong type of authorization. This is the case with the VoiceToken solution, an original idea of BiometrIQ. VoiceToken authentication provides double authentication. While the words are spoken, the compliance of the read words (first step) with the pattern as well as the biometric compatibility of the speaker's voice with his VoicePrint (second step) are verified at the same time.
Extremely high security is ensured by the proprietary algorithm for selecting words to be read, which reduces the possibility of guessing the sequence of words that will be displayed on the screen to almost zero. The Speech To Text (STT) mechanism combined with an innovative biometric engine guarantees high effectiveness, even in the case of attacks based on speech synthesis. Read more about VoiceToken.
Some see multi-factor authentication as inconvenient, but from a security standpoint it is desirable. It protects us more strongly against hacker attacks than previous solutions. Password theft will not result in account access as the second authentication factor will take care of that. It is worth being aware that we can also use multi-factor authentication to protect social media accounts. In order to use this type of protection, it is enough to enable this function in the system settings of the account.
*) From 2019, pursuant to the European Commission's Directive on Payment Services (PSD2), banks and payment service providers are required to use strong customer authentication (SCA). The goal is to increase the security of online transactions, a higher level of credibility and resistance to frauds.
According to the bank.pl, strong customer authentication (SCA) "is a mechanism that aims to increase the security of payment transactions. To implement them, the payment service provider (e.g. bank) is required to use a method consisting of at least two elements belonging to the categories: knowledge (something only the user knows), possession (something only the user has) and customer characteristics (something only the user is). compromising one of them will not weaken the credibility of the others".