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The California Consumer Privacy Act: Big Data, Biometrics and Consumer Trust

The California Consumer Privacy Act: Big Data, Biometrics and Consumer Trust

LumenVox is proudly marching into 2020 with the support of California legislation that aligns with our goal to ensure consumer privacy.

According to The Economist, “the world’s most valuable resource is no longer oil, but data.” This fact has triggered trust issues with consumers in all 50 states of the US and around the globe. Technology has progressed at an astounding pace. Our home state of California has decided it’s time for the laws to catch up.

California directly addresses these data privacy issues for its nearly 40 million constituents with the passing of The California Consumer Privacy Act (CCPA). The Act was signed by Governor Brown in 2018 and goes into full effect January 1st, 2020: All businesses registered within the state of California are required to comply with the laws. The passing and enactment of this legislation represents a significant landmark to ensure the fair and ethical handling of consumer data.

Because the largest multinational technology companies in the world (Google, Facebook, etc.) operate within the state of California, this Act will more than likely affect more than just Californians. As of 2019, all fifty states enforce legislation to protect consumers’ private information, but the CCPA calls for stricter data ground rules, greater transparency from the companies and greater control for the consumers. It also names specific, time-bound consequences if companies do not comply.

The CCPA protects consumers’ privacy by requiring the following:

  • General Disclosure. If a business collects personal information, this needs to be disclosed in a privacy policy on the business website.
  • Requests for Information: Consumers have the right to request to know what data is collected, as it specifically pertains to the individual.
  • Deletion: If the consumer desires, personal information can and will be deleted by the business.
  • Same Service: The business is required to provide “equal service and pricing…even if they [consumers] exercise their privacy rights under the Act.” There can be no discriminating towards consumers who want to keep their data to themselves.

LumenVox is proud to call California home, and just like our state, we believe consumer trust is even more valuable than data. When it comes to information as sensitive as biometrics, protection is key. This privacy legislation empowers consumers and limits the sovereignty of technology. We are here to exemplify the fact that biometrics can both comply with these laws and surpass consumer expectations.

Card Reader Fraud – A Warning

Card Reader Fraud – A Warning

Everyone in security knows the 3 factors of authentication: something you know (like a password), something you have (like a smartphone or card reader) and something you are (like a fingerprint). But today, very few banks use all 3 factors for online security. And many, still rely on card readers as the something you have token. Card readers typically require you to insert your bank card, enter your PIN, and then report the 6 digit code displayed on the reader.

As the second authentication token, the card reader is critical to online security. So it was with some considerable concern that the following warning is now being issued after being logged into the Royal Bank of Scotland’s online banking:

Have you been asked to use your card reader and provide codes generated by it to someone over the phone? STOP!

Remember:

– We will NEVER ask you for a card reader code to stop or verify transactions over the phone, if you are being asked to share this code over the phone, it’s fraud.

– You should NEVER log onto Digital Banking whilst sharing your screen with someone else. If you are being asked by companies you trust, such as your internet provider, to log in to your Digital Banking while sharing your screen, it’s fraud.

RBS is warning that it is possible to compromise the “something you have” token by spoofing the customer with fake news about his or her account. The vulnerable customer discloses the secret code from the card reader thereby enabling a potential theft from their account.

While knowledge can be stolen and physical tokens compromised by criminal manipulation, it is much harder to obtain biometric data (something you are). A determined thief, with access to things you touch, might be able to extract a fingerprint. But it’s hard work. And it is dangerous since the thief will need to enter your home or office to get at the print. Voice biometrics and facial recognition are much harder to steal. A good voice authenticator or a face recognizer will look for signs of liveness, and your identity, that makes it just too hard to break in.

It’s time the banks get serious about protecting us customers and adopt an effective way to recognize something you are. To learn more, download our product information sheet and/or contact us today.

Announcing LumenVox Version 17.0.200

Announcing LumenVox Version 17.0.200

LumenVox is excited to announce the release of LumenVox Version 17.0.200. In this release, we have:

  • Added support for a new short-utterance transcription (Natural Language) functionality to process audio with a maximum length of approximately 30 seconds.
  • Added a new Out of Service configuration option for the ASR (Automated Speech Recognizer) service, allowing system administrators to enter maintenance mode from the Dashboard, which permits currently pending requests to be completed, but any new requests will be rejected (to be potentially handled by other ASR servers in the cluster).
  • Added a new feature to the ASR load-balancing mechanism to actively route ASR requests based on the language specified.

Useful for situations where you do not want to be constrained by a specific grammar, or challenged by implementing a more complex and costly Statistical Language Model, the LumenVox Short-Utterance Transcription functionality utilizes a built-in, general Statistical Language Model that has been tuned for everyday use to provide a text representation of supplied audio.

Supporting LumenVox’ commitment to making speech applications more secure and easier to administer, additional enhancements were made to our diagnostic tools and dashboard, including more robust grammar handling within the LumenVox Speech Tuner.

For a comprehensive list of improvements and features released with LumenVox Version 17.0.200, please click here.

If you’d like to watch a previously recorded webinar about the release, including participant Q&A, please click here.

Announcing LumenVox 16.0.100

LumenVox is excited to announce the release of LumenVox 16.0.100. In this release, we have added support for a new Italian model as our tenth supported ASR language. This includes the addition of new Italian-language Boolean, currency, date, digits, number, phone and time “built-in” grammars.

LumenVox continues to make improvements to our diagnostic tools, supporting our commitment to making speech easier to administer, manage and support. LumenVox has expanded the available SNMP trap messages, giving you greater monitoring capabilities in your data center. LumenVox 16.0.100 also includes improved parsing of SSML times. This effectively adds more flexibility as to how users can specify time strings. Support has also been added for the Microsoft Windows Server 2016.

About LumenVox

LumenVox is a speech automation software company providing core speech technologies that include the LumenVox Speech Recognizer, Text-to-Speech Engine, Call Progress Analysis, Speech Tuner, and natural language solution support. Based on industry standards, LumenVox Speech Software is certified as one of the most accurate, natural sounding, and reliable solutions in the industry. LumenVox technology provides tools for effectively connecting and communicating with users, increasing user satisfaction, and improving employee productivity. For more information, call +1.858.707.7700 or visit www.lumenvox.com

Announcing LumenVox 15.1

San Diego, California – January 31, 2017 – LumenVox is excited to announce the release of LumenVox Version 15.1. In this release, German has been added to the LumenVox Automated Speech Recognition (ASR) library. In addition, LumenVox has made significant improvements to overall pronunciation generation and processing for the Canadian French, British English, Brazilian Portuguese, Mexican Spanish, Columbian Spanish and Indian English ASR languages, expanding our commitment to our customers and partners across the globe.

The LumenVox 15.1 product suite now includes Text-To-Speech (TTS) Load Distribution to allow for load balancing for both ASR and TTS resources from a single Media Server. Also added are multi-tenant enhancements to the LumenVox Media Server as well as enhanced SNMP Features and several Speech Tuner enhancements. Another key enhancement allows for licenses to be released prior to sending MRCP responses.

LumenVox continues to make improvements to our diagnostic tools, supporting our commitment to making speech easier to administer, manage and support. With LumenVox 15.1, users can add file attachments (network trace logs, etc.) to diagnostic reports sent to LumenVox Technical Support team to allow for faster case resolution.

“Our commitment to responsiveness and resolution for our customers and partners is reflected in the tools we design to streamline our Support process,” said Jeff Hopper, VP Client Services. “This focus on continual improvement is highlighted by our cumulative Net Promoter Score (NPS) of 89, and 2016 NPS result of 92.”

About LumenVox

LumenVox is a speech automation software company providing core speech technologies that include the LumenVox Speech Recognizer, Text-to-Speech Engine, Call Progress Analysis, Speech Tuner, and natural language solution support. Based on industry standards, LumenVox Speech Software is certified as one of the most accurate, natural sounding, and reliable solutions in the industry. LumenVox technology provides tools for effectively connecting and communicating with users, increasing user satisfaction, and improving employee productivity. For more information, call +1.858.707.7700 or visit www.lumenvox.com

LumenVox 15.0 Now Available

San Diego, California – October 6, 2016 – LumenVox is pleased to announce celebration of our 15th year in business with the release of Version 15.0 of the LumenVox product suite.

Highlights of the LumenVox 15.0 product suite include a new grammar compilation engine providing improved performance within the Automated Speech Recognizer (ASR). Extensive security enhancements have also been added to the LumenVox Dashboard as well as updates to our Flexible Licensing communications. Version 15.0 also introduces additional administrative and diagnostic functionality, including SNMP support with new monitoring of server communications, license failures and system events, all with configurable trap notifications.

LumenVox realizes that performance metrics are key to maintaining quality customer experience and in Version 15.0, we have added Key Performance Indicators (KPI) to allow system metrics to be recorded over time. In addition, the Media Server now has Call Detail Record (CDR) logging which provides in-depth information about individual call sessions. This functionality is useful in supporting Multi-Tenant environments. LumenVox has also added 42 new built-in grammars for all of their supported languages.

“I am proud that LumenVox is celebrating our fifteenth year as the leading alternative provider of speech technology and enablement tools. Many of the enhancements incorporated into LumenVox 15.0 have been driven by partner feedback and requests”, states Ed Miller, CEO, LumenVox. “We strive to deliver superior Total Cost of Ownership (TCO) by making speech more affordable and easier to implement.”

About LumenVox

LumenVox is a speech automation software company providing core speech technologies that include the LumenVox Speech Recognizer, Text-to-Speech Engine, Call Progress Analysis, Speech Tuner, and natural language solution support. Based on industry standards, LumenVox Speech Software is certified as one of the most accurate, natural sounding, and reliable solutions in the industry. LumenVox technology provides tools for effectively connecting and communicating with users, increasing user satisfaction, and improving employee productivity. For more information, call +1.858.707.7700 or visit www.lumenvox.com