SECURE VOICE BIOMETRIC ENROLLMENT AND VOICE ALERT DELIVERY SYSTEM

• US 20110260832A1
• Filed: 04/25/2011
• Published: 10/27/2011
• Est. Priority Date: 04/27/2010
• Status: Abandoned Application

• Current Assignee: Csidentity Corporation (Experian plc)
• Original Assignee: Csidentity Corporation (Experian plc)
• Inventors: Chapa, Isaac, Ross, Joe, Cruz, Adrian, Gottschalk, Harold E. JR.
• Application Number:
  US13/093,664
• Publication Number:
  US 20110260832A1
• Time in Patent Office: Days
• US Class Current: 340/5.84
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: H04M 2201/40 using speech recognition speech recognition per se G10L15/00
• CPC Class Codes: H04M 2203/2016 Call initiation by network rather than by subscriber
• CPC Class Codes: H04M 2203/6027 Fraud preventions
• CPC Class Codes: H04M 3/4872 Non-interactive information services

Abstract

In one embodiment, a method includes enrolling a potential enrollee for an identity-monitoring service. The enrolling includes acquiring personally-identifying information (PII) and capturing a voiceprint. Following successful completion of the enrolling, the potential enrollee is an enrollee. The method further includes, responsive to an identified suspicious event related to the PII, creating an identity alert, establishing voice communication with an individual purporting to be the enrollee, and performing voice-biometric verification of the individual. The voice-biometric verification includes comparing one or more spoken utterances with the voiceprint. Following successful completion of the voice-biometric verification, the individual is a verified enrollee. In addition, the method includes authorizing delivery of the identity alert to the verified enrollee.

Claims

1. A method comprising:

enrolling a potential enrollee for an identity-monitoring service, the enrolling comprising acquiring personally-identifying information (PII) and capturing a voiceprint;

wherein, following successful completion of the enrolling, the potential enrollee is an enrollee;

responsive to an identified suspicious event related to the PII;

creating an identity alert;

establishing voice communication with an individual purporting to be the enrollee;

performing voice-biometric verification of the individual, the voice-biometric verification comprising comparing one or more spoken utterances with the voiceprint;

wherein, following successful completion of the voice-biometric verification, the individual is a verified enrollee; and

authorizing delivery of the identity alert to the verified enrollee.

2. The method of claim 1, wherein the enrolling comprises a mixed-mode enrollment, the mixed-mode enrollment comprising:

acquiring the PII from the individual via non-voice communication over a computer network; and

capturing the voiceprint from the individual via voice communication.

3. The method of claim 1, wherein the enrolling comprises verifying the PII, the verifying comprising at least one selected from the group consisting of:

verifying existence of the PII;

verifying consistency of the PII; and

verifying that the PII does not correspond to a known stolen identity.

4. The method of claim 3, wherein the verifying comprises:

generating a score for the PII, the score representing a relative confidence in at least one selected from the group consisting of;

that the PII exists;

that the PII is consistent; and

that the PII does not correspond to a known stolen identity;

comparing the score to a pre-established threshold; and

wherein the successful completion of the enrolling requires the score to exceed the predetermined threshold.

5. The method of claim 4, wherein the verifying comprises, responsive to the score failing to exceed the predetermined threshold, allowing the individual at least one additional attempt to pass the verification.

6. The method of claim 1, wherein the enrolling comprises authenticating the individual as an owner of the PII, the authenticating comprising:

presenting knowledge-based authentication (KBA) questions related to the enrollee;

receiving answers to the KBA questions; and

verifying the answers to the KBA questions.

7. The method of claim 1, wherein the enrolling comprises associating the voiceprint with a unique identifier for the enrollee.

8. The method of claim 1, wherein the enrolling comprises:

providing a menu of options to the enrollee for delivery of identity alerts; and

receiving, from the enrollee, a selection from the menu of options.

9. The method of claim 1, wherein establishing voice communication comprises causing an outbound call to be placed to the enrollee.

10. The method of claim 1, wherein establishing voice communication comprises:

causing a notification to be sent to the enrollee, the notification comprising a call-in number for an inbound call; and

receiving an inbound call from the individual.

11. The method of claim 10, wherein the notification comprises at least one selected from the group consisting of:

a voicemail, a text message, and an email message.

12. The method of claim 1, wherein the enrollment is facilitated via a computer residing at a kiosk, the kiosk being operated by an agent for a business.

13. The method of claim 1, wherein acquiring PII comprises acquiring the PII via an online data form over the Internet.

14. The method of claim 13, wherein:

the enrolling comprises;

prompting the potential enrollee, via the Internet, to choose between placing an inbound call to an interactive voice-response (IVR) system and having the IVR system place an outbound call to the individual;

receiving a selection from the individual responsive to the prompting; and

responsive to the selection, placing an outbound call or receiving an inbound call; and

the capturing comprises capturing a voiceprint via the inbound call or the outbound call.

15. The method of claim 1, wherein acquiring PII comprises loading the PII from an import file.

16. The method of claim 1, wherein the identified suspicious event is received from an external system via an application programming interface (API).

17. The method of claim 1, wherein creating an identity alert comprises evaluating the identified suspicious event to determine whether an identity alert is merited.

18. The method of claim 1, the method comprising, responsive to the voice-biometric verification ending in failure, allowing the individual at least one additional attempt to successfully complete the voice-biometric verification.

19. The method of claim 18, the method comprising, responsive to the individual failing to pass the voice-biometric verification after a predefined number of attempts, routing the individual to a live agent for manual verification.

20. The method of claim 1, the method comprising delivering the identity alert to the verified enrollee.

21. The method of claim 20, the method comprising delivering the identity alert to the verified enrollee via text-to-speech (TTS) technology.

22. A voice-biometric system comprising:

an interactive voice-response (IVR) system operable to exchange voice communication with a communication device over a network;

a voice-alert system (VAS) communicably coupled to the IVR system via a computer network, the VAS operable, in conjunction with the IVR system, to;

enroll a potential enrollee for an identity-monitoring service, the enrollment comprising acquiring personally-identifying information (PII) and capturing a voiceprint;

wherein, following successful completion of the enrolling, the potential enrollee is an enrollee;

responsive to an identified suspicious event related to the PII;

create an identity alert;

establish voice communication with an individual purporting to be the enrollee;

perform voice-biometric verification of the individual, the voice-biometric verification comprising comparing one or more spoken utterances with the voiceprint;

wherein, following successful completion of the voice-biometric verification, the individual is a verified enrollee; and

authorize delivery of the identity alert to the verified enrollee.

23. The voice-biometric system of claim 22, wherein the VAS is operable to acquire the PII via an online data form over the Internet.

24. The voice-biometric system of claim 22, wherein:

the IVR system is operable to perform text-to-speech (TTS) conversion, automated speech recognition (ASR), and DTMF signaling to recognize touch-tone responses; and

the VAS is operable, in conjunction with the IVR system, to acquire the PII via at least one of the following;

TTS conversion, ASR, and DTMF signaling.

25. The voice-biometric system of claim 22, wherein the VAS is operable to load the PII from an import file.

26. The voice-biometric system of claim 22, the voice-biometric system comprising:

an enrollee database;

wherein the VAS is operable to cause the voice print to be stored in the enrollee database.

27. The voice-biometric system of claim 22, wherein the VAS comprises an application programming interface (API) operable to receive an alert from an external computer system, the created identity alert comprising the received alert.

28. The voice-biometric system of claim 22, the voice-biometric system comprising an identity-monitoring system, the identity-monitoring system operable to identify suspicious events related to the PII.

29. The voice-biometric system of claim 22, the voice-biometric system comprising an identity-verification server, the identity-verification server operable to authenticate the individual as an owner of the PII, the authentication comprising:

presentation of knowledge-based authentication (KBA) questions related to the enrollee;

receipt of answers to the KBA questions; and

verification of the answers to the KBA questions.

30. The voice-biometric system of claim 22, wherein the VAS is operable to deliver the identity alert via a web portal over the Internet.

31. The voice-biometric system of claim 22, wherein:

the IVR system is operable to perform text-to-speech (TTS) conversion, automated speech recognition (ASR), and DTMF signaling to recognize touch-tone responses; and

the VAS is operable, in conjunction with the IVR system, to deliver the identity alert via TTS conversion.

32. The voice-biometric system of claim 22, wherein establishment of voice communication comprises:

a notification sent to the enrollee, the notification comprising a call-in number for an inbound call; and

receipt of an inbound call from the individual to the IVR system.

33. The voice-biometric system of claim 33, wherein:

the notification comprises at least one selected from the group consisting of;

a voicemail, a text message, and an email message; and

wherein the VAS, in conjunction with the IVR system, is operable to send the notification.

34. A computer-program product comprising a computer-usable medium having computer-readable program code embodied therein, the computer-readable program code adapted to be executed to implement a method comprising:

enrolling a potential enrollee for an identity-monitoring service, the enrolling comprising acquiring personally-identifying information (PII) and capturing a voiceprint;

wherein, following successful completion of the enrolling, the potential enrollee is an enrollee;

responsive to an identified suspicious event related to the PII;

creating an identity alert;

establishing voice communication with an individual purporting to be the enrollee;

performing voice-biometric verification of the individual, the voice-biometric verification comprising comparing one or more spoken utterances with the voiceprint;

wherein, following successful completion of the voice-biometric verification, the individual is a verified enrollee; and

authorizing delivery of the identity alert to the verified enrollee.