AI Based Voice Authentication Banking System

Pavin.R, Siva; Mayarudhran.S,

doi:https://doi.org/10.55041/ijsmt.v2i8.037

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AI BASED VOICE AUTHENTICATION BANKING SYSTEM

AUTHORS:

Siva Pavin.R

Mayarudhran.S

Mentor

MS.C.S.Selin Chandra

Affiliation

Department of Computer Science and Information Technology, Vels Institute of Science, Technology and Advanced Studies, Chennai, India

DOI: 10.55041/ijsmt.v2i8.037

CC BY 4.0 License:

This article is an open access article distributed under the terms and conditions of the Creative Commons Attribution (CC BY) license, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.

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Abstract

This project presents the development of a secure voice authentication system for banking applications using biometric speech recognition technology. The system enables users to perform secure login, registration, and financial transactions using their unique voice patterns instead of traditional passwords. The architecture integrates a frontend developed using Thymeleaf, HTML, CSS, and JavaScript for user interaction and audio recording through microphone access. The backend is built using Spring Boot in Java, which manages REST APIs, authentication logic, user accounts, and banking operations efficiently. A Python-based AI module using Flask processes voice recordings, extracts audio features using Librosa, and converts audio formats using FFmpeg. The extracted voice features are stored in MySQL database and compared during login using Euclidean distance to verify user identity. A threshold-based decision mechanism is used to determine authentication success or failure based on similarity between voice samples. The system also supports secure banking features such as user registration, login, and money transfer using mobile numbers. Overall, the project demonstrates the integration of web technologies, AI-based voice processing, and secure backend systems to build a modern authentication framework for security.

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✓ All ethical standards met

This article has undergone plagiarism screening and double-blind peer review. Editorial policies have been followed. Authors retain copyright under CC BY-NC 4.0 license. The research complies with ethical standards and institutional guidelines.

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