Utilizing voice biometrics

Patent metadata

Field	Value
Publication number	US-9215321-B2
Application number	US-201313922855-A
Country	US
Kind code	B2
Filing date	Jun 20, 2013
Priority date	Jun 20, 2013
Publication date	Dec 15, 2015
Grant date	Dec 15, 2015

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.

First claim

What is claimed is:

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 voice sample associated with a telephone call, wherein receiving the voice sample associated with the telephone call comprises capturing one or more utterances that are responsive to prompts provided by a customer service representative during an in-progress call;
determine a voice biometric confidence score based on the voice sample;
determine to route the telephone call to a first endpoint based on the voice biometric confidence score, wherein determining to route the 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 call, providing routing information to the customer service representative, the routing information being configured to cause the customer service representative to transfer the telephone call to a specialized customer service representative for handling as a potentially illegitimate call; and

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

2. The computing device of claim 1 , wherein receiving the voice sample associated with the telephone call further comprises capturing one or more additional utterances that are responsive to prompts provided by an interactive voice response (IVR) system.

3. The computing device of claim 2 , wherein determining the voice biometric confidence score comprises analyzing the one or more additional captured utterances.

4. The computing device of claim 1 , wherein the first endpoint is a specialized customer service line that is configured to handle potentially illegitimate calls.

5. A method, comprising:
receiving, by a computing device, a voice sample associated with a telephone call, wherein receiving the voice sample associated with the telephone call comprises capturing one or more utterances that are responsive to prompts provided by a customer service representative during an in-progress call;
determining, by the computing device, a voice biometric confidence score based on the voice sample;
determining, by the computing device, to route the telephone call to a first endpoint based on the voice biometric confidence score, wherein determining to route the 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 call, providing routing information to the customer service representative, the routing information being configured to cause the customer service representative to transfer the telephone call to a specialized customer service representative for handling as a potentially illegitimate call; and

based on the telephone call being transferred to the specialized customer service representative, determining, by the computing device, to initiate recording and analysis of the telephone call, wherein a recording of the telephone call is saved and sampled to create a defensive voiceprint for identifying a caller associated with the telephone call as an illegitimate caller.

6. The method of claim 5 , wherein receiving the voice sample associated with the telephone call further comprises capturing one or more additional utterances that are responsive to prompts provided by an interactive voice response (IVR) system.

7. The method of claim 6 , wherein determining the voice biometric confidence score comprises analyzing the one or more additional captured utterances.

8. The method of claim 5 , wherein the first endpoint is a specialized customer service line that is configured to handle potentially illegitimate calls.

9. The method 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.

10. The method of claim 5 , wherein determining the voice biometric confidence score based on the voice sample comprises:
selecting a voiceprint for authenticating a caller associated with the 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 voice sample to determine the voice biometric confidence score.

11. The method of claim 5 ,
wherein the routing information is presented to the customer service representative via a first notification, and
wherein the computing device is configured to cause a second notification to be presented to the specialized customer service representative, the second notification comprising information indicating that a caller associated with the telephone call is attempting to access one or more accounts and information identifying the voice biometric confidence score for the caller.

12. 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 voice sample associated with a telephone call, wherein receiving the voice sample associated with the telephone call comprises capturing one or more utterances that are responsive to prompts provided by a customer service representative during an in-progress call;
determine a voice biometric confidence score based on the voice sample;
determine to route the telephone call to a first endpoint based on the voice biometric confidence score, wherein determining to route the 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 call, providing routing information to the customer service representative, the routing information being configured to cause the customer service representative to transfer the telephone call to a specialized customer service representative for handling as a potentially illegitimate call; and

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

13. The one or more non-transitory computer-readable media of claim 12 , wherein receiving the voice sample associated with the telephone call further comprises capturing one or more additional utterances that are responsive to prompts provided by an interactive voice response (IVR) system.

14. The one or more non-transitory computer-readable media of claim 13 , wherein determining the voice biometric confidence score comprises analyzing the one or more additional captured utterances.

15. The one or more non-transitory computer-readable media of claim 12 , wherein the first endpoint is a specialized customer service line that is configured to handle potentially illegitimate calls.

Assignees

• Bank Of America

Inventors

• Timem Joseph
• Perry Donald
• Rosenberger Jenny
• Karpey David

Classifications

• H04M3/527

  Centralised call answering arrangements not requiring operator intervention · CPC title

• H04M2201/41

  using speaker recognition · CPC title

• H04M3/4936 Primary

  Speech interaction details (speech recognition per se G10L15/00) · CPC title

• H04M2203/6054

  Biometric subscriber identification · CPC title

• H04M3/42221

  Conversation recording systems (at the subscriber's set H04M1/656) · CPC title