IP Library Granted Patent US 9,609,134
Granted Patent B2
US 9,609,134 · App. 14/968,426 · Granted Mar 28, 2017

Utilizing voice biometrics

Inventors: Joseph Timem (Fair Lawn, NJ); Donald Perry (Charlotte, NC); Jenny Rosenberger (Newark, DE); David Karpey (Harrisburg, NC)
Assignee: Bank of America Corporation
H04M3/5235H04M3/42221H04M3/4936H04M3/5166H04M3/527H04M2201/41H04M2203/6054
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Quick Facts
Patent No.
US 9,609,134
App. No.
14/968,426
Granted
Mar 28, 2017
Kind
B2
Abstract

Methods, systems, computer-readable media, and apparatuses for handling calls based on a voice biometric confidence score are presented. In some embodiments, a computing device may receive a voice sample associated with a telephone call. Subsequently, the computing device may determine a voice biometric confidence score based on the voice sample. The computing device then may determine to route the telephone call to a certain endpoint based on the voice biometric confidence score.

Claims (42)

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 sample associated with an in-progress telephone call, wherein receiving the sample associated with the in-progress telephone call comprises capturing one or more utterances that are responsive to prompts provided by a representative during the in-progress telephone call;

determine a voice biometric confidence score based on the sample;

determine to route the in-progress telephone call to a first endpoint based on the voice biometric confidence score, wherein determining to route the in-progress telephone call to the first endpoint based on the voice biometric confidence score comprises:

based on the voice biometric confidence score falling below a threshold during the in-progress telephone call, providing routing information to the representative, the routing information being configured to cause the representative to transfer the in-progress telephone call to a specialized representative for handling as a potentially illegitimate call; and

based on the in-progress telephone call being transferred to the specialized representative, determine to initiate recording and analysis of the in-progress telephone call, wherein a recording of the in-progress telephone call is saved and sampled to create a defensive voiceprint for identifying a caller associated with the in-progress telephone call as an illegitimate caller.

2. The computing device of claim 1 , wherein the threshold is dynamically adjusted over time based on call metrics information associated with a plurality of voice biometric confidence scores for a plurality of previously flagged calls.

3. The computing device of claim 1 , wherein determining the voice biometric confidence score based on the sample comprises:

selecting a voiceprint for authenticating a caller associated with the in-progress telephone call from at least one database based on input provided by the caller, the input comprising one or more of a username or an account number; and

using the selected voiceprint in analyzing the sample to determine the voice biometric confidence score.

4. The computing device of claim 1 ,

wherein the routing information is presented to the representative via a first notification, and

wherein the computing device is configured to cause a second notification to be presented to the specialized representative, the second notification comprising information indicating that a caller associated with the in-progress telephone call is attempting to access one or more accounts and information identifying the voice biometric confidence score for the caller.

5. 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 sample associated with an in-progress telephone call, wherein receiving the sample associated with the in-progress telephone call comprises capturing one or more utterances that are responsive to prompts provided by a representative during the in-progress telephone call;

determine a voice biometric confidence score based on the sample;

determine to route the in-progress telephone call to a first endpoint based on the voice biometric confidence score, wherein determining to route the in-progress telephone call to the first endpoint based on the voice biometric confidence score comprises:

based on the voice biometric confidence score falling below a threshold during the in-progress telephone call, providing routing information to the representative, the routing information being configured to cause the representative to transfer the in-progress telephone call to a specialized representative for handling as a potentially illegitimate call; and

based on the in-progress telephone call being transferred to the specialized representative, determine to initiate recording and analysis of the in-progress telephone call, wherein a recording of the in-progress telephone call is saved and sampled to create a defensive voiceprint for identifying a caller associated with the in-progress telephone call as an illegitimate caller.

6. The one or more non-transitory computer-readable media of claim 5 , wherein the threshold is dynamically adjusted over time based on call metrics information associated with a plurality of voice biometric confidence scores for a plurality of previously flagged calls.

7. The one or more non-transitory computer-readable media of claim 5 , wherein determining the voice biometric confidence score based on the sample comprises:

selecting a voiceprint for authenticating a caller associated with the in-progress telephone call from at least one database based on input provided by the caller, the input comprising one or more of a username or an account number; and

using the selected voiceprint in analyzing the sample to determine the voice biometric confidence score.

8. The one or more non-transitory computer-readable media of claim 5 ,

wherein the routing information is presented to the representative via a first notification, and

wherein the computing device is configured to cause a second notification to be presented to the specialized representative, the second notification comprising information indicating that a caller associated with the in-progress telephone call is attempting to access one or more accounts and information identifying the voice biometric confidence score for the caller.

9. A method, comprising:

at a computing device comprising at least one processor and memory storing computer readable instructions:

receiving, by the at least one processor, a sample associated with an in-progress telephone call, wherein receiving the sample associated with the in-progress telephone call comprises capturing one or more utterances that are responsive to prompts provided by a representative during the in-progress telephone call;

determining, by the at least one processor, a voice biometric confidence score based on the sample;

determining, by the at least one processor, to route the in-progress telephone call to a first endpoint based on the voice biometric confidence score, wherein determining to route the in-progress telephone call to the first endpoint based on the voice biometric confidence score comprises:

based on the voice biometric confidence score falling below a threshold during the in-progress telephone call, providing routing information to the representative, the routing information being configured to cause the representative to transfer the in-progress telephone call to a specialized representative for handling as a potentially illegitimate call; and

based on the in-progress telephone call being transferred to the specialized representative, determining, by the at least one processor, to initiate recording and analysis of the in-progress telephone call, wherein a recording of the in-progress telephone call is saved and sampled to create a defensive voiceprint for identifying a caller associated with the in-progress telephone call as an illegitimate caller.

10. The method of claim 9 , wherein the threshold is dynamically adjusted over time based on call metrics information associated with a plurality of voice biometric confidence scores for a plurality of previously flagged calls.

11. The method of claim 9 , wherein determining the voice biometric confidence score based on the sample comprises:

selecting a voiceprint for authenticating a caller associated with the in-progress telephone call from at least one database based on input provided by the caller, the input comprising one or more of a username or an account number; and

using the selected voiceprint in analyzing the sample to determine the voice biometric confidence score.

12. The method of claim 9 ,

wherein the routing information is presented to the representative via a first notification, and

wherein the computing device is configured to cause a second notification to be presented to the specialized representative, the second notification comprising information indicating that a caller associated with the in-progress telephone call is attempting to access one or more accounts and information identifying the voice biometric confidence score for the caller.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Dec 14, 2015
From: TIMEM, JOSEPH; ROSENBERGER, JENNY; PERRY, DONALD; KARPEY, DAVID
To: BANK OF AMERICA CORPORATION
Reel/Frame 037286/0849 →
Continuity (2)
Continuation 13922855 · Jun 20, 2013
Related Publication 20160112569A1 · Apr 21, 2016