Authentication via a dynamic passphrase

1. A computer-implemented method for voice authentication of a customer in a self-service system, the computer implemented method comprising:

creating a plurality of passphrases from recorded parts of prior interactions of the customer with the self-service system, the interactions comprising phrases the user has uttered, the phrases having more than n words, where n is based on the number of phonemes that can be used to create a phrase having a sufficient ability to be voice recognized by a voice biometric model;

receiving a request for authentication of the customer, the customer is enrolled in the self-service system with a text-independent voice print;

determining a passphrase from the plurality of passphrases to transmit to the customer based on comparing each of the plurality of passphrases to a text-dependent or text-independent voice biometric model;

transmitting a request to the customer to repeat the passphrase;

receiving an audio stream of the passphrase;

authenticating the customer by comparing the audio stream of the passphrase against the text-independent voice print; and

if the customer is authenticated, then storing the audio stream of the passphrase.

2. The computer-implemented method of claim 1 comprising upon receipt of a subsequent request for authentication of the customer, determining another passphrase that is different from the previous passphrase.

3. The computer-implemented method of claim 1 further comprising:

for each subsequent request for authentication, presenting the customer with a unique passphrase of the plurality of passphrases; and

storing an audio stream of each corresponding unique passphrase as recited by the customer.

4. The computer-implemented method of claim 1 wherein determining the passphrase further comprises selecting the passphrase from the plurality of passphrases such that the same passphrase is not used more than a minimum number of reuse times.

5. The computer-implemented method of claim 1 wherein determining the passphrase further comprising combining two or more passphrases from the plurality of passphrases.

6. The computer-implemented method of claim 1 further comprising for each passphrase in the plurality of passphrases that is transmitted to the customer a maximum number of use times, deleting the corresponding passphrases from the plurality of passphrases.

7. The computer-implemented method of claim 1 wherein the plurality of passphrases is input by a user.

8. The computer-implemented method of claim 1 wherein the plurality of passphrases is automatically populated.

9. The computer-implemented method of claim 1 wherein the plurality of passphrases is updated.

10. The computer-implemented method of claim 1 wherein the plurality of passphrases is updated when more than a predefined percentage of customers of a system that executed the method are enrolled with the same passphrases.

11. The computer-implemented method of claim 10 wherein updating the plurality of passphrases is based on computerized text.

12. The computer-implement method of claim 1 wherein the plurality of passphrases are generated by a random phrase generator.

13. The computer-implemented method of claim 1 wherein the passphrase that is selected from the plurality of passphrases has a higher likelihood of causing the customer to be authenticated in comparison to a random passphrase.