User Security
TD Direct Investing’s voice verification system is a secure and convenient way to confirm the identity of clients who call us. When clients use our Voice Print System instead of being asked questions for verification by a representative, their voices act as their means of instant access.
Leading-edge biometric technology
Our Voice Print System uses leading-edge biometric voice verification technology. Biometrics is the use of a person's unique physical characteristics or traits to identify them. Some biometrics use finger printing, iris scanning and even facial features. The Voice Print System uses biometrics to assign a mathematical model to a person's voice – in essence, a "print" of their voice.
What do clients need to do?
Clients who wish to use the Voice Print System need to enroll. A simple process is followed to register their voice print and link it to their account. When the client calls back, the Voice Print System compares the real-time voice with the stored mathematical model generated at enrollment. If there is a match, the caller has been authenticated.
How do we protect client privacy with the system?
No matter what system, service or product we offer our clients, ensuring their privacy is always a fundamental priority for TD Bank Group. Here's how we are protecting client privacy with the Voice Print System:
- Voice prints are used only to confirm the identity of clients when they call, in accordance with our existing privacy policies.
- Voice prints will not be sold, shared or used for any other purpose other than for client verification.
- When clients enroll with the Voice Print System, their voices are transformed into a mathematical series of data that cannot be re-engineered or re-created into a voice print.
- System security is further enhanced with the use of a secret date password in addition to the voice print.
- If a client chooses to close his/her account for any reason the client's voice prints associated with the account will either be de-activated or deleted.
- The servers that store the mathematical models representing the client's voice print follow all TD Bank Group security policies.
