Biometrics is the technology used to identify, verify and authenticate an individual using his unique traits like iris, retina, veins, fingerprint, palm and others. These traits are unique and cannot be copied or replicated easily, due to this feature the biometric devices are mainly used for security and surveillance purposes by government, defense, healthcare, banking, law enforcement and for access permit in organizations.
Eastern Bank Taps Nuance Voice Biometrics to Innovate the Customer Experience; Becomes First in North America to Replace Security Questions with Voice Biometric Authentication. http://www.marketwatch.com/story/eastern-bank-taps-nuance-voice-biometrics-to-innovate-the-customer-experience-becomes-first-in-north-america-to-replace-security-questions-with-voice-biometric-authentication-2015-06-18
Software on the mobile phone then has the job of comparing the user’s voice with both files and deciding which is authentic, like a multiple choice quiz. It then sends back the answers to this ‘quiz’ rather than transmitting the voice recording.