Alternate user communication handling based on user identification
AssigneeBank of America Corporation
InventorsDharmender Kumar Satija, Eren Kursun
Life of this patent
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Abstract
The invention relates to providing alternate user communication based on user identification. A communication from a user may be received, and the communication may include an authentication credential from the user. When the user is determined to be an unauthorized user based on the authentication credential, the communication may be extended in order to capture more information from the unauthorized user, and to deter the unauthorized user from making other unauthorized access attempts. In addition to the extension of the communication with the unauthorized user, one or more additional alternate treatments may be presented to the unauthorized user in order to identify, track, and/or prevent access by the unauthorized user.
Claims20
A system for providing alternate user communication based on user identification, the system comprising:
- one or more memories having computer readable code stored thereon;
- and
- one or more processors operatively coupled to the one or more memories, wherein the one or more processors are configured to execute the computer readable code to:
- receive a communication from a user;
- receive an authentication credential from the user, wherein the authentication credential is received from one or more user computer systems;
- determine when the user is an unauthorized user based on the authentication credential;
- extend the communication with the unauthorized user, wherein extending the communication with the unauthorized user comprises:
- determining an unauthorized user wait time for the unauthorized user;
- and
- providing a wait time to the unauthorized user, wherein the wait time provided to the unauthorized user is less than the unauthorized user wait time;
- and
- capture unauthorized user information from the unauthorized user during the communication.
A computer implemented method for providing alternate user communication based on user identification, the method comprising:
- receiving, by one or more processors, a communication from a user;
- receiving, by the one or more processors, an authentication credential from the user, wherein the authentication credential is received from one or more user computer systems;
- determining, by the one or more processors, when the user is an unauthorized user based on the authentication credential;
- extending, by the one or more processors, the communication with the unauthorized user, wherein extending the communication with the unauthorized user comprises:
- determining an unauthorized user wait time for the unauthorized user;
- and
- providing a wait time to the unauthorized user, wherein the wait time provided to the unauthorized user is less than the unauthorized user wait time;
- and
- capturing, by the one or more processors, unauthorized user information from the unauthorized user during the communication.
A computer program product for providing alternate user communication based on user identification, the computer program product comprising at least one non-transitory computer-readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising:
- an executable portion configured to receive a communication from a user;
- an executable portion configured to receive an authentication credential from the user, wherein the authentication credential is received from one or more user computer systems;
- an executable portion configured to determine when the user is an unauthorized user based on the authentication credential;
- an executable portion configured to extend the communication with the unauthorized user, wherein extending the communication with the unauthorized user comprises:
- determining an unauthorized user wait time for the unauthorized user;
- and
- providing a wait time to the unauthorized user, wherein the wait time provided to the unauthorized user is less than the unauthorized user wait time;
- and
- an executable portion configured to capture unauthorized user information from the unauthorized user during the communication.
Dependencies are inferred from the claim text.