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Using calling party number for caller authentication

  • US 10,389,872 B1
  • Filed: 09/11/2017
  • Issued: 08/20/2019
  • Est. Priority Date: 12/02/2016
  • Status: Active Grant
First Claim
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1. A method, comprising:

  • receiving, by an authentication device, a call request and associated calling party information that includes a calling party number, wherein the call request is initiated by a caller;

    retrieving, by the authentication device, one or more parameters associated with the calling party number, the one or more parameters comprising a number of accounts linked to the calling party number;

    comparing, by the authentication device, the one or more parameters to one or more respective threshold values;

    verifying, by the authentication device, that the call request originates from a location or a device associated with the calling party number;

    generating, by the authentication device based on at least one of the verifying and the comparing, an authentication result indicating whether the calling party number is authenticated;

    sending, by the authentication device, the authentication result to a call processing device that processes the call request from the caller according to the authentication result, wherein the authentication result is sent to the call processing device before the call request is answered by a called party device;

    tracking, by the authentication device, the number of accounts linked to the calling party number and fraud information associated with each of the linked accounts;

    associating, by the authentication device, the authentication result with the calling party number; and

    adjusting, by the authentication device, one or more thresholds corresponding to the one or more retrieved parameters based on an accuracy of the authentication result;

    wherein the generating comprises;

    retrieving the fraud information associated with each of the linked accounts;

    using a result of the verifying and the comparing to compute a risk score indicating how likely the call request is associated with fraud, the risk score computed based at least in part on whether any fraud associated with one of the linked accounts occurred within a threshold number of days; and

    comparing the risk score with a risk threshold to determine the authentication result.

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