Intelligent interactive voice response system for processing customer communications

An apparatus, comprising:

• a processor to:
• obtain first user information from a user account stored in a user databank, the first information being associated with a first call record established during a first previously received call from a user device;
• establish a first identity confidence level based on the first user information;
• obtain second user information from the user account stored in the user databank, the second user information being associated with a second call record established during a second previously received call from the user device;
• establish a second identity confidence level based on the second user information;
• obtain third user information from the user account stored in the user databank, the third user information being associated with a third call record established during a third previously received call from the user device;
• obtaining a maximum identity confidence level based on a combination of the first user information, the second user information, and the third user information;
• and
• enable the user device to conduct a maximum security transaction during a call based on the maximum confidence level.

A non-transitory computer readable storage medium to store instructions that when executed cause a processor to perform:

• obtaining first user information from a user account stored in a user databank, the first information being associated with a first call record established during a first previously received call from a user device;
• establishing a first identity confidence level based on the first user information;
• obtaining second user information from the user account stored in the user databank, the second user information being associated with a second call record established during a second previously received call from the user device;
• establishing a second identity confidence level based on the second user information;
• obtaining third user information from the user account stored in the user databank, the third user information being associated with a third call record established during a third previously received call from the user device;
• obtaining a maximum identity confidence level based on a combination of the first user information, the second user information, and the third user information;
• and
• enabling the user device to conduct a maximum security transaction during a call based on the maximum confidence level.