UTILIZING VOICE BIOMETRICS

• US 20140379339A1
• Filed: 06/20/2013
• Published: 12/25/2014
• Est. Priority Date: 06/20/2013
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Timem, Joseph, Perry, Donald, Rosenberger, Jenny, Karpey, David
• Application Number:
  US13/922,699
• Publication Number:
  US 20140379339A1
• Time in Patent Office: Days
• US Class Current: 704/246
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06F 21/554 involving event detection and direct action
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G10L 17/22 Interactive procedures; Man-machine interfaces

Abstract

Methods, systems, computer-readable media, and apparatuses for selecting authentication questions based on a voice biometric confidence score are presented. In some embodiments, a computing device may receive a voice sample. Subsequently, the computing device may determine a voice biometric confidence score based on the voice sample. The computing device then may select one or more authentication questions based on the voice biometric confidence score.

Claims

1. A computing device, comprising:

at least one processor; and

memory storing computer readable instructions that, when executed by the at least one processor, cause the computing device to;

receive a voice sample;

determine a voice biometric confidence score based on the voice sample; and

select one or more authentication questions based on the voice biometric confidence score.

2. The computing device of claim 1, wherein the voice sample is received via a telephone call.

3. The computing device of claim 1, wherein the voice sample is received via a microphone installed at a retail location.

4. The computing device of claim 1, wherein the voice sample is received via a mobile application.

5. The computing device of claim 1, wherein selecting one or more authentication questions based on the voice biometric confidence score includes selecting a number of questions based on the voice biometric confidence score.

6. The computing device of claim 1, wherein selecting one or more authentication questions based on the voice biometric confidence score includes selecting one or more types of questions based on the voice biometric confidence score.

7. The computing device of claim 1, wherein the memory stores additional computer readable instructions that, when executed by the at least one processor, further cause the computing device to:

after selecting the one or more authentication questions, provide the selected questions to a customer service representative.

8. A method, comprising:

receiving, by a computing device, a voice sample;

determining, by the computing device, a voice biometric confidence score based on the voice sample; and

selecting, by the computing device, one or more authentication questions based on the voice biometric confidence score.

9. The method of claim 8, wherein the voice sample is received via a telephone call.

10. The method of claim 8, wherein the voice sample is received via a microphone installed at a retail location.

11. The method of claim 8, wherein the voice sample is received via a mobile application.

12. The method of claim 8, wherein selecting one or more authentication questions based on the voice biometric confidence score includes selecting a number of questions based on the voice biometric confidence score.

13. The method of claim 8, wherein selecting one or more authentication questions based on the voice biometric confidence score includes selecting one or more types of questions based on the voice biometric confidence score.

14. The method of claim 8, further comprising:

after selecting the one or more authentication questions, providing, by the computing device, the selected questions to a customer service representative.

15. One or more non-transitory computer-readable media having computer-executable instructions stored thereon that, when executed by a computing device, cause the computing device to:

receive a voice sample;

determine a voice biometric confidence score based on the voice sample; and

select one or more authentication questions based on the voice biometric confidence score.

16. The one or more non-transitory computer-readable media of claim 15, wherein the voice sample is received via a telephone call.

17. The one or more non-transitory computer-readable media of claim 15, wherein the voice sample is received via a microphone installed at a retail location.

18. The one or more non-transitory computer-readable media of claim 15, wherein the voice sample is received via a mobile application.

19. The one or more non-transitory computer-readable media of claim 15, wherein selecting one or more authentication questions based on the voice biometric confidence score includes selecting a number of questions based on the voice biometric confidence score.

20. The one or more non-transitory computer-readable media of claim 15, wherein selecting one or more authentication questions based on the voice biometric confidence score includes selecting one or more types of questions based on the voice biometric confidence score.

21. The one or more non-transitory computer-readable media of claim 15, having additional computer-executable instructions stored thereon that, when executed by the computing device, further cause the computing device to:

after selecting the one or more authentication questions, provide the selected questions to a customer service representative.