A voice authentication system having a cognitive recall mechanism for password verification is provided. A user is enrolled for password verification by receiving a first voice input from the user representing the password prompt and a second voice input representing a correct response to the password prompt. The first and second voice inputs may be stored as waveforms, as voiceprints, recognized speech data, or a combination thereof. During verification, the identity of the user is verified by outputting the user-provided password prompt and evaluating a response to password prompt against the correct response. Thus, the user is able to select his own password prompt to facilitate cognitive recall of the password during a subsequent verification phase.

 
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