Validating identity and/or location from video and/or audio
AssigneeWells Fargo Bank, N.A.
InventorDavid Newman
Life of this patent
Estimating the term…
Abstract
An electronic computing device includes a processing unit and system memory. The system memory includes instructions which, when executed by the processing unit, cause the electronic computing device to: receive a communication containing audio data; automatically identify one or more sounds in the audio data of the communication that can be correlated with a geographical location; use the identification of the one or more sounds to identify the geographical location for the audio data; and verify an identity of an individual using the geographic location from the audio data.
Claims20
A method for authenticating a financial transaction, comprising:
- receiving a communication from an individual, the communication including the individual's voice or image;
- confirming that the voice or the image matches the individual;
- using audio from the communication to correlate a geographical origin of the communication, including:
- extracting an audio pattern from the communication;
- and
- matching the audio pattern with a known pattern from a geographic region to correlate the geographic origin;
- and
- approving the financial transaction when the geographic origin of the communication corresponds to a geographic location of the financial transaction based upon the audio pattern.
An electronic computing device comprising:
- a processing unit;
- and
- system memory, the system memory including instructions which, when executed by the processing unit, cause the electronic computing device to:
- receive a communication from an individual relating to a financial transaction of the individual, the communication including the individual's voice or image;
- confirm that the voice or the image matches the individual;
- use audio from the communication to correlate a geographical origin of the communication, including to:
- extract an audio pattern from the communication;
- and
- match the audio pattern with a known pattern from a geographic region to correlate the geographic origin;
- and
- approve the financial transaction when the geographic origin of the communication corresponds to a geographic location of the financial transaction based upon the audio pattern.
An electronic computing device comprising:
- a processing unit;
- and
- system memory, the system memory including instructions which, when executed by the processing unit, cause the electronic computing device to:
- receive a communication from an individual relating to a financial transaction of the individual, the communication including the individual's voice or image;
- confirm that the voice or the image matches the individual;
- use audio from the communication to correlate a geographical origin of the communication, comprising:
- sample the audio and extract one or more acoustic vectors from the audio;
- create a dataset for a city using the one or more acoustic vectors from the audio data;
- and
- when a determination is made that the dataset for the city is correlated with a specific location, designate the specific location as the geographic location of the financial transaction;
- approve the financial transaction when the geographic origin of the communication corresponds to the geographic location of the financial transaction;
- and
- deny the financial transaction when the geographic origin of the communication does not correspond to the geographical location of the financial transaction.
Dependencies are inferred from the claim text.