Utilizing voice biometrics
First Claim
Patent Images
1. A system, comprising:
- at least one processor; and
a memory device storing computer readable instructions that, when executed by the at least one processor, cause the system to;
receive a first voice sample associated with a first channel, wherein the first channel is a first product channel of a financial institution, and the first voice sample is captured by a mobile banking application that is executed on a mobile device and configured to allow a user of the mobile device to view one or more account balances, deposit one or more checks, and transfer funds associated with one or more financial accounts;
determine a first voice biometric confidence score based on the first voice sample;
evaluate the first voice biometric confidence score in combination with one or more other factors to identify a first attempt to access a first account without authorization, the first account being maintained by the financial institution, wherein evaluating the first voice biometric confidence score in combination with the one or more other factors comprises assigning a weight to the first voice biometric confidence score and assigning one or more additional weights to the one or more other factors;
determine that the first voice sample is associated with an actual attempt to access the first account without authorization based on evaluating the first voice biometric confidence score in combination with the one or more other factors;
based on determining that the first voice sample is associated with the actual attempt to access the first account without authorization, lock the first account to prevent one or more transactions from being performed on the first account until the first account is unlocked by at least one legitimate user of the first account;
receive a second voice sample associated with a second channel, the second voice sample being different from the first voice sample, and the second channel being different from the first channel, wherein the second channel is a second product channel of the financial institution;
determine a second voice biometric confidence score based on the second voice sample;
evaluate the second voice biometric confidence score in combination with the one or more other factors to identify a second attempt to access a second account without authorization, the second account being maintained by the financial institution; and
dynamically adjust one or more of the weights based on call metrics.
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Abstract
Methods, systems, computer-readable media, and apparatuses for utilizing voice biometrics to prevent unauthorized access 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 evaluate the voice biometric confidence score in combination with one or more other factors to identify an attempt to access an account without authorization.
67 Citations
21 Claims
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1. A system, comprising:
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at least one processor; and a memory device storing computer readable instructions that, when executed by the at least one processor, cause the system to; receive a first voice sample associated with a first channel, wherein the first channel is a first product channel of a financial institution, and the first voice sample is captured by a mobile banking application that is executed on a mobile device and configured to allow a user of the mobile device to view one or more account balances, deposit one or more checks, and transfer funds associated with one or more financial accounts; determine a first voice biometric confidence score based on the first voice sample; evaluate the first voice biometric confidence score in combination with one or more other factors to identify a first attempt to access a first account without authorization, the first account being maintained by the financial institution, wherein evaluating the first voice biometric confidence score in combination with the one or more other factors comprises assigning a weight to the first voice biometric confidence score and assigning one or more additional weights to the one or more other factors; determine that the first voice sample is associated with an actual attempt to access the first account without authorization based on evaluating the first voice biometric confidence score in combination with the one or more other factors; based on determining that the first voice sample is associated with the actual attempt to access the first account without authorization, lock the first account to prevent one or more transactions from being performed on the first account until the first account is unlocked by at least one legitimate user of the first account; receive a second voice sample associated with a second channel, the second voice sample being different from the first voice sample, and the second channel being different from the first channel, wherein the second channel is a second product channel of the financial institution; determine a second voice biometric confidence score based on the second voice sample; evaluate the second voice biometric confidence score in combination with the one or more other factors to identify a second attempt to access a second account without authorization, the second account being maintained by the financial institution; and dynamically adjust one or more of the weights based on call metrics. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method, comprising:
at a computer system comprising at least one processor and a memory device storing computer readable instructions; receiving, by the at least one processor, a first voice sample associated with a first channel, wherein the first channel is a first product channel of a financial institution, and the first voice sample is captured by a mobile banking application that is executed on a mobile device and configured to allow a user of the mobile device to view one or more account balances, deposit one or more checks, and transfer funds associated with one or more financial accounts; determining, by the at least one processor, a first voice biometric confidence score based on the first voice sample; evaluating, by the at least one processor, the first voice biometric confidence score in combination with one or more other factors to identify a first attempt to access a first account without authorization, the first account being maintained by the financial institution, wherein evaluating the first voice biometric confidence score in combination with the one or more other factors comprises assigning a weight to the first voice biometric confidence score and assigning one or more additional weights to the one or more other factors; determining, by the at least one processor, that the first voice sample is associated with an actual attempt to access the first account without authorization based on evaluating the first voice biometric confidence score in combination with the one or more other factors; based on determining that the first voice sample is associated with the actual attempt to access the first account without authorization, locking, by the at least one processor, the first account to prevent one or more transactions from being performed on the first account until the first account is unlocked by at least one legitimate user of the first account; receiving, by the at least one processor, a second voice sample associated with a second channel, the second voice sample being different from the first voice sample, and the second channel being different from the first channel, wherein the second channel is a second product channel of the financial institution; determining, by the at least one processor, a second voice biometric confidence score based on the second voice sample; evaluating, by the at least one processor, the second voice biometric confidence score in combination with the one or more other factors to identify a second attempt to access a second account without authorization, the second account being maintained by the financial institution; and dynamically adjusting, by the at least one processor, one or more of the weights based on call metrics. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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19. One or more non-transitory computer-readable media having computer-executable instructions stored thereon that, when executed by a computer system comprising at least one processor and a memory device, cause the computer system to:
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receive a first voice sample associated with a first channel, wherein the first channel is a first product channel of a financial institution, and the first voice sample is captured by a mobile banking application that is executed on a mobile device and configured to allow a user of the mobile device to view one or more account balances, deposit one or more checks, and transfer funds associated with one or more financial accounts; determine a first voice biometric confidence score based on the first voice sample; evaluate the first voice biometric confidence score in combination with one or more other factors to identify a first attempt to access a first account without authorization, the first account being maintained by the financial institution, wherein evaluating the first voice biometric confidence score in combination with the one or more other factors comprises assigning a weight to the first voice biometric confidence score and assigning one or more additional weights to the one or more other factors; determine that the first voice sample is associated with an actual attempt to access the first account without authorization based on evaluating the first voice biometric confidence score in combination with the one or more other factors; based on determining that the first voice sample is associated with the actual attempt to access the first account without authorization, lock the first account to prevent one or more transactions from being performed on the first account until the first account is unlocked by at least one legitimate user of the first account; receive a second voice sample associated with a second channel, the second voice sample being different from the first voice sample, and the second channel being different from the first channel, wherein the second channel is a second product channel of the financial institution; determine a second voice biometric confidence score based on the second voice sample; evaluate the second voice biometric confidence score in combination with the one or more other factors to identify a second attempt to access a second account without authorization, the second account being maintained by the financial institution; and dynamically adjust one or more of the weights based on call metrics. - View Dependent Claims (20, 21)
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Specification