Systems and methods for authentication of an individual on a communications device
AssigneeUnited Services Automobile Association (USAA)
InventorsMichael Joseph Gaeta, Bharat Prasad
Life of this patent
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Abstract
A system for authenticating a user may comprise at least one subsystem that contacts a device associated with the user, at least one subsystem that receives a device identification key from the device, at least one subsystem that receives a signal comprising a voice sample from the device, at least one subsystem that compares a voice pattern of the voice sample to that of a previously recorded voice sample of the user, and at least one subsystem that compares the received device identification key to a previously stored device identification key associated with the device associated with the user.
Claims7
A computer-based method for authenticating a user attempting to conduct a transaction comprising the steps of:
- a) sending authentication software to be installed on a first user device;
- b) receiving an indication from a known user identifying i) a type of transaction the known user wants to require voice authentication to process and ii) the first user device to associate with the known user;
- c) receiving a transaction attempt from a second device that is different from the first user device, the transaction attempt being purported to be initiated by the known user;
- d) contacting the first user device associated with the known user based on the indication from the known user after step c);
- e) receiving a device identification key from the first user device;
- f) receiving a signal comprising a voice sample from the first user device;
- g) comparing a voice pattern of the voice sample to that of a previously recorded voice sample of the known user;
- and
- h) comparing the received device identification key to a previously stored device identification key associated with the first user device associated with the known user.
Dependencies are inferred from the claim text.