公开(公告)号：US20240184876A1

公开(公告)日：2024-06-06

申请号：US18072903

申请日：2022-12-01

Applicant: Bank of America Corporation

Inventor： Rohit Sawkar ,  Pratap Dande ,  Morgan Allen ,  Kevin A. Delson ,  Gilbert Gatchalian ,  Swetha Ravi ,  Lalit Dhawan

IPC: G06F21/45 ,  G06F21/32

CPC classification number: G06F21/45 ,  G06F21/32

Abstract: Systems and methods for multi-dimensional voice-based digital authentication are provided. Methods include receiving, at a central server from a remote user device, a request to access a protected digital resource; displaying a prompt, at the device, requesting a spoken password expression; capturing, at the device, an expression spoken in response to the prompt; determining that the expression satisfies predetermined attributes of the password expression; calculating a voice pattern representation of the expression; determining that the voice pattern representation of the expression satisfies a threshold similarity to a voice pattern representation of the user that is stored in a database at the central server; and, in response to the expression satisfying the predetermined attributes of the password expression and satisfying the threshold similarity to the voice pattern representation of the user that is stored in the database at the central server, authorizing the device to access the protected digital resource.

公开(公告)号：US20240179505A1

公开(公告)日：2024-05-30

申请号：US18070734

申请日：2022-11-29

Applicant: Bank of America Corporation

Inventor： Rohit Sawkar ,  Pratap Dande

IPC: H04W4/90 ,  G06F3/01 ,  G06F3/16 ,  G06N20/00

CPC classification number: H04W4/90 ,  G06F3/017 ,  G06F3/167 ,  G06N20/00

Abstract: A method triggers a user-definable emergency response in a voice-command based authentication system. The method receives gestures on a mobile device, and provides an interface at the mobile device to trigger an automatic interaction with an artificial intelligence (“AI”) engine stored on the mobile device. The AI accesses a database for storing legacy information associated with the caller and runs an application program interface that provides the AI engine access to the legacy information. The AI engine receives the gestures generated by the caller, accesses the database storing legacy information generated by the caller and constructs an emergency profile of the caller. The emergency profile may be based on the legacy information, a machine learning model; and/or a user training session that initializes an emergency response signal threshold level. When the gestures exceed the emergency response signal threshold level, the method may generate the emergency response.