IP Library Patent Application 18816674
Patent Application
App. No. 18/816,674

MODEL FOR ANALZYING AUTHENTICATION ATTEMPTS

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Quick Facts
Patent No.
US None
App. No.
18/816,674
Abstract

An example computer system for analyzing authentication attempts comprises one or more processors; and non-transitory computer-readable storage media encoding instructions which, when executed by the one or more processors, causes the computer system to: receive authentication attempt data from a client device attempting to access a user account; input the authentication attempt data into a voice recognition model; receive a confidence score indicating a likelihood the audio data of the authentication attempt data matches original training data; determine whether the authentication attempt data is authenticated based on the confidence score; input the authentication attempt data into a monitor model; receive flagged authentication attempt failure data from the monitor model; input the flagged authentication attempt failure data into a failure analysis model; receive a classification for the authentication attempt data; determine a response based on the classification.

Claims (56)

1 . A computer system for analyzing authentication attempts, the computer system comprising:

one or more processors; and

non-transitory computer-readable storage media encoding instructions which, when executed by the one or more processors, causes the computer system to:

receive authentication attempt data from a client device attempting to access a user account, the authentication attempt data including audio data;

input the authentication attempt data into a voice recognition model;

receive a confidence score indicating a likelihood the audio data of the authentication attempt data matches original training data;

determine whether the authentication attempt data is authenticated based on the confidence score;

responsive to the authentication attempt data failing to authenticate, input the authentication attempt data into a monitor model;

receive flagged authentication attempt failure data from the monitor model;

input the flagged authentication attempt failure data into a failure analysis model, wherein the failure analysis model is configured to classify the flagged authentication attempt failure data into classifications that indicate a reason the authentication attempt data failed;

receive a classification for the authentication attempt data;

determine a response based on the classification.

2 . The computer system of claim 1 , wherein the failure analysis model is configured to identify an error, the error including a predicted output differing from an actual output by an amount that exceeds a predetermined threshold.

3 . The computer system of claim 1 , wherein the response is to contact a local bank to require additional authentication.

4 . The computer system of claim 1 , wherein the response is to request additional audio training data.

5 . The computer system of claim 1 , wherein the failure analysis model determines a likelihood score of the classification indicating the reason the authentication attempt data failed.

6 . The computer system of claim 1 , wherein the failure analysis model is a nonlinear autoregressive neural network model.

7 . The computer system of claim 1 , wherein the monitor model is configured to:

determine whether authentication attempt failures associated with the user account exceed a monitor threshold; and

determine a frequency of authentication failure attempts, a recency of receiving training data for the user account, a period of time since a last successful authentication, or metadata data of the attempts.

8 . The computer system of claim 1 , wherein the classification is a fraudulent authentication attempt or a poor training data sample.

9 . The computer system of claim 1 , wherein the computer system is further caused to:

responsive to the authentication attempt data successfully authenticating, provide access to the user account, wherein the user account is registered on a transaction network.

10 . The computer system of claim 9 , wherein the computer system is further caused to:

provide rewards to the user account.

11 . A method for analyzing authentication attempts, the method comprising:

receiving authentication attempt data from a client device attempting to access a user account, the authentication attempt data including audio data;

input the authentication attempt data into a voice recognition model;

receive a confidence score indicating a likelihood the audio data of the authentication attempt data matches original training data;

determining whether the authentication attempt data is authenticated based on the confidence score;

responsive to the authentication attempt data failing to authenticate, inputting the authentication attempt data into a monitor model;

receiving flagged authentication attempt failure data from the monitor model;

inputting the flagged authentication attempt failure data into a failure analysis model, wherein the failure analysis model is configured to classify the flagged authentication attempt failure data into classifications that indicate a reason for the authentication attempt data failed;

receiving a classification for the authentication attempt data;

determining a response based on the classification.

12 . The method of claim 11 , wherein the failure analysis model performs identifying an error, the error including a predicted output differing from an actual output by an amount that exceeds a predetermined threshold.

13 . The method of claim 11 , wherein the response is to contact a local bank to require additional authentication.

14 . The method of claim 11 , wherein the response is to request additional audio training data.

15 . The method of claim 11 , wherein the failure analysis model performs determining a likelihood score of the classification indicating the reason the authentication attempt data failed.

16 . The method of claim 11 , wherein the failure analysis model is a nonlinear autoregressive neural network model.

17 . The method of claim 11 , wherein the monitor model is configured to perform:

determining whether authentication attempt failures associated with the user account exceed a monitor threshold;

determining a frequency of authentication failure attempts, a recency of receiving training data for the user account, a period of time since a last successful authentication, or metadata data of the authentication attempt data.

18 . The method of claim 11 , wherein the classification is a fraudulent authentication attempt or a poor training data sample.

19 . The method of claim 11 , further comprising:

responsive to the authentication attempt data successfully authenticating, provide access to the user account, wherein the user account is registered on a transaction network.

20 . A non-transitory computer readable medium having instructions stored thereon, the instructions causing one or more processors to perform:

receiving authentication attempt data from a client device attempting to access a user account;

input the authentication attempt data into an authentication model;

receive a confidence score indicating a likelihood the authentication attempt data matches original training data;

determining whether the authentication attempt data is authenticated based on the confidence score;

responsive to the authentication attempt data failing to authenticate, inputting the authentication attempt data into a monitor model;

receiving flagged authentication attempt failure data from the monitor model;

inputting the flagged authentication attempt failure data into a failure analysis model, wherein the failure analysis model is configured to classify the flagged authentication attempt failure data into classifications that indicate a reason the authentication attempt data failed;

receiving a classification for the authentication attempt data; and

determining a response based on the classification.

Assignments (2)
STATEMENT OF CHANGE OF ADDRESS OF ASSIGNEE Recorded Jun 17, 2025
From: WELLS FARGO BANK, N.A.
To: WELLS FARGO BANK, N.A.
Reel/Frame 071649/0870 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Oct 2, 2024
From: DEBBLAY-BURRELL, TANYA; WARD, MARC; WHALEN, ROXANE S.
To: WELLS FARGO BANK, N.A.
Reel/Frame 068774/0574 →