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US Patent 11436309 Dynamic knowledge-based voice authentication

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Is a
Patent
Patent

Patent attributes

Patent Applicant
Bank of America
Bank of America
Current Assignee
Bank of America
Bank of America
Patent Jurisdiction
United States Patent and Trademark Office
United States Patent and Trademark Office
Patent Number
11436309
Date of Patent
September 6, 2022
Patent Application Number
16924580
Date Filed
July 9, 2020
Patent Citations
‌
US Patent 10200364 Enhanced secure authentication
‌
US Patent 10102359 Device access using voice authentication
‌
US Patent 10140992 System and method for voice authentication over a computer network
‌
US Patent 10417405 Device access using voice authentication
Patent Primary Examiner
‌
Jeffrey C Pwu
CPC Code
‌
G10L 17/04
‌
G06F 21/32
‌
H04L 63/0861
‌
G10L 17/24
‌
G06F 21/62

An authentication subsystem receives a request for authentication of a user to access a server. A voiceprint is determined for the user based on recordings of the user speaking. Authentication phrases is determined for the user based on the voiceprint. Based public user data and/or user transaction data, user knowledge is determined which reflects topics about which the user has knowledge. An authentication question is generated based on the authentication phrases and the user knowledge. An anticipated answer to the authentication question one of the authentication phrases. The authentication question is provided to a device operated by the user. If a response voiceprint associated with an actual spoken response to the authentication question sufficiently matches an anticipated voiceprint for an expected recording of the anticipated answer, the user is granted access to the server. Otherwise, access to the server is denied.

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