Multi-dimensional voice-based digital authentication

Patent metadata

Field	Value
Publication number	US-2024184876-A1
Application number	US-202218072903-A
Country	US
Kind code	A1
Filing date	Dec 1, 2022
Priority date	Dec 1, 2022
Publication date	Jun 6, 2024
Grant date	—

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.

First claim

What is claimed is:

1 . A method for multi-dimensional voice-based digital authentication, the method comprising:
receiving, at a central server from a remote user device, a request to access a protected digital resource; displaying a prompt on a display of the remote user device, said prompt requesting a user of the remote user device to speak a password expression; capturing, via a microphone of the remote user 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 remote user device to access the protected digital resource.

2 . The method of claim 1 wherein satisfying the predetermined attributes of the password expression comprises matching a word sequence preselected by the user.

3 . The method of claim 2 wherein the word sequence is a target word sequence that is one of a plurality of word sequences preselected by the user, and a word sequence is selected as the target word sequence depending on a predetermined factor.

4 . The method of claim 3 wherein the predetermined factor is geographic location, and the method further comprises:
determining, via a global positioning system (GPS) sensor of the remote user device, a geographic location of the remote user device; and
transmitting the geographic location of the remote user device to the central server.

5 . The method of claim 3 wherein the predetermined factor is time-based.

6 . The method of claim 1 wherein satisfying the predetermined attributes of the password expression comprises responding accurately to a question that is part of the prompt.

7 . The method of claim 6 wherein the question is a predetermined security question with a preset accurate response.

8 . The method of claim 6 wherein:
the protected digital resource is associated with a digital application running on the remote user device; and
the question is based on activity of the user that is logged by the digital application and stored in the database at the central server.

9 . The method of claim 8 wherein the activity comprises travel activity.

10 . The method of claim 8 wherein the activity comprises transactional activity.

11 . The method of claim 1 wherein 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 is a part of a multi-factor authentication, and the multi-factor authentication also comprises one or more of a list comprising:
biometric verification;
a preset password; and
a one-time password.

12 . A system for multi-dimensional voice-based digital authentication, the system comprising a central server in communication with a remote user device, wherein:
the remote user device is a computing device comprising a first processor, a first memory, a display screen, and a microphone; the central server comprises a second processor, a second memory, and computer executable instructions stored in the second memory; and the system is configured to:
receive, at the central server from the remote user device, a request to access a protected digital resource;
display a prompt on the display screen of the remote user device, said prompt requesting a user of the remote user device to speak a password expression;
capture, via the microphone of the remote user device, an expression spoken in response to the prompt;
determine that the expression satisfies predetermined attributes of the password expression;
calculate a voice pattern representation of the expression;
determine 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, authorize the remote user device to access the protected digital resource.

13 . The system of claim 12 wherein satisfying the predetermined attributes of the password expression comprises matching a word sequence preselected by the user.

14 . The system of claim 13 wherein the word sequence is a target word sequence that is one of a plurality of word sequences preselected by the user, and a word sequence is selected as the target word sequence depending on a predetermined factor.

15 . The system of claim 14 wherein the predetermined factor is geographic location, and the system is further configured to:
determine, via a global positioning system (GPS) sensor of the remote user device, a geographic location of the remote user device; and
transmit the geographic location of the remote user device to the central server.

16 . The system of claim 13 wherein the predetermined factor is time-based.

17 . The system of claim 12 wherein satisfying the predetermined attributes of the password expression comprises responding accurately to a question that is part of the prompt.

18 . The system of claim 17 wherein the question is a predetermined security question with a preset accurate response.

19 . The system of claim 17 wherein:
the protected digital resource is associated with a digital application running on the remote user device;
the question is based on activity of the user that is logged by the digital application and stored in the database at the central server; and
the activity comprises travel activity and transactional activity.

20 . The system of claim 12 wherein 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 is a part of a multi-factor authentication, and the multi-factor authentication also comprises one or more of a list comprising:
biometric verification;
a preset password; and
a one-time password.

Assignees

• Bank Of America

Inventors

• Sawkar Rohit
• Dande Pratap
• Allen Morgan
• Delson Kevin A
• Gatchalian Gilbert
• Ravi Swetha
• Dhawan Lalit

Classifications

• G06F21/45 Primary

  Structures or tools for the administration of authentication · CPC title

• G06F21/32 Primary

  using biometric data, e.g. fingerprints, iris scans or voiceprints · CPC title