SYSTEMS AND METHODS FOR AUTHENTICATING POTENTIALLY FRAUDULENT TRANSACTIONS USING VOICE PRINT RECOGNITION

• US 20140188730A1
• Filed: 12/18/2013
• Published: 07/03/2014
• Est. Priority Date: 12/28/2012
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Financial Corporation
• Inventors: MURGAI, Nikhil, ROSEMAN, Leonard D.
• Granted Patent: US 10,572,876 B2
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/40145 Biometric identity checks

Abstract

Methods and systems are disclosed for providing fraudulent transaction processes. In one embodiment, a method is disclosed for performing fraudulent transaction processes that may include receiving an indication that a payment transaction has been identified as potentially fraudulent, the payment transaction involving a payment account associated with a user. The method may also include receiving a candidate voice print and comparing the candidate voice print to a user voice print that is associated with the payment account, The method may further include determining, based on the comparison, whether the candidate voice print matches the user voice print, and providing an indication whether the candidate voice print matches the user voice print, the indication configured for use to determine whether to approve or deny the payment transaction.

Claims

1. A device configured to verify potentially fraudulent transactions, comprising:

at least one processor; and

a memory storing instructions that, when executed by the at least one processor, cause the at least one processor to perform operations comprising;

receiving an indication that a payment transaction is potentially fraudulent, the payment transaction being associated with a payment account of a user,

requesting a candidate voice print from the user based on the received indication,

receiving the candidate voice print,

comparing the candidate voice print to a stored user voice print associated with the payment account of the user,

determining whether to verify the candidate voice print based on the comparison, and

providing an indication whether to approve or deny the payment transaction based at least on the determination.

2. The device of claim 1, wherein the at least one processor performs operations further comprising:

verifying the candidate voice print when the candidate voice print meets or exceeds a voiceprint match threshold associated with the payment account of the user.

3. The device of claim 2, wherein the at least one processor performs operations further comprising:

determining not to verify the candidate voice print;

initiating additional verification procedures based on the determination not to verify comprising at least one of;

requesting a PIN associated with the payment account from the user,

requesting that the user provide a second candidate voice print, or

requesting that the user relocate to a new location; and

determining whether to approve or deny the payment transaction based at least on the additional verification procedures.

4. The device of claim 3, wherein the at least one processor performs operations further comprising:

causing suspension of the payment transaction pending completion of the additional verification procedures based at least on the determination not to verify.

5. The device of claim 1, wherein the stored user voice print is stored on a remote server, and wherein the at least one processor performs operations further comprising:

requesting the stored voice print from a remote server; and

receiving the stored voice print in response to the request.

6. The device of claim 1, wherein the stored user voice print is stored on a mobile device associated with the user.

7. The device of claim 1, wherein the voice print comprises a recorded oratory recitation of a passphrase comprising at least one of a phrase chosen by the server, a phrase predetermined by the user, or a user PIN number associated with the purchase account.

8. The device of claim 7, wherein the at least one processor performs operations further comprising:

receiving an indication that the user has forgotten the passphrase; and

providing a user-defined hint regarding content associated with the passphrase.

9. A method for verifying potentially fraudulent transactions on a mobile device, comprising:

receiving, from a server and at a mobile device of a user, an indication that a payment transaction is potentially fraudulent, the payment transaction being associated with a payment account of the user;

providing, to the server, an indication that the payment transaction is authorized by the user;

receiving, from the server and at the mobile device, a request for a candidate voice print of the user based on at least the provided indication;

receiving, at the mobile device, the candidate voice print from the user;

comparing, by one or more processors of the mobile device, the candidate voice print to a user voice print stored on the mobile device and associated with the payment account of the user; and

providing results of the comparison to the server for determining whether to approve or deny the payment transaction.

10. The method of claim 9, wherein the voice print comprises a recorded oratory recitation of at least one of a phrase chosen by the server, a phrase predetermined by the user, or a user PIN number associated with the purchase account.

11. The method of claim 9, further comprising:

determining that the candidate voice print does not match the user voice print based on the comparison;

initiating additional verification procedures based on the determination comprising at least one of;

requesting a PIN associated with the payment account from the user;

requesting that the user provide a second candidate voice print;

or

requesting that the user relocate to a new location; and

providing one or more responses to the additional verification procedures to the server.

12. The method of claim 9, wherein the stored user voice print is stored on a remote server, and wherein comparing the candidate voice print to the stored user voice print further comprises:

requesting the user voice print from the remote server;

receiving the user voice print at the mobile device; and

comparing, by the one or more processors of the mobile device, the received user voice print with the candidate voice print.

13. The method of claim 9, wherein the user voice print is stored on the mobile device.

14. The method of claim 9, wherein the at least one processor performs operations further comprising:

receiving an indication that the user has forgotten the passphrase; and

providing a user-defined hint regarding content associated with the passphrase.

15. A device configured to enroll a user n a fraud detection program, comprising:

at least one processor; and

a memory storing instructions that, when executed by the at least one processor, cause the at least one processor to perform operations comprising;

receiving a request for fraud detection associated with a purchase account of a user,

requesting a user voice print based on the received request or fraud detection,

receiving the user voice print, and

associating the user voice print with the purchase account of the user, the user voice print configured for use in authorizing payment transactions using the payment account.

16. The device of claim 15, wherein the instructions cause the at least one processor to perform further operations comprising:

providing an offer conditioned upon enrolling in fraud detection for the purchase account.

17. The device of claim 16, wherein the offer comprises at least one of a lower interest rate, an increased credit limit, or increased rewards in a reward program.

18. The device of claim 17, wherein the offer is associated with one or more accounts of the user other than the purchase account provided by the financial service provider.

19. The device of claim 15, wherein the received user voice print is provided at a physical location associated with the financial service provider or via a mobile device associated with the user.

20. The device of claim 15, wherein the at least one processor performs operations further comprising:

requesting a user-defined hint regarding the content of a passphrase associated with the voice print; and

associating the user-defined hint with the purchase account.