An authentication system is described for controlling a person's access to a resource, which may be a physical resource or a network resource. The authentication system obtains credential information for the person (e.g., using a coded card or keypad for username and password), a voice print from the person, and the current geographical location of the user. The voice print and geographic location are preferably obtained from a telephone call that occurs between the person and the authentication system. The call can take the form of a cell phone call placed by the person to the authentication system. The authentication system includes a user profile database. If the credential information and voice print match those of persons authorized to access the resource, and the user is at a registered permissible location to access the resource, the authentication system sends a signal to the resource indicating that the authentication was successful.

 
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