US 10,958,774 B1Granted

System for providing a called party with identity verification of the calling party

AssigneeBank of America Corporation

InventorPaul Joseph Harding

Life of this patent

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Abstract

A called-party is provided identity verification of the calling-party during a telephone call. A call request is received for a calling-party to place a call with a called-party. A call management platform or the like associates a passcode with the call request and communicates the passcode to an online network resource and/or a mobile application associated with the calling entity. During the call, in the event the called-party requests identity verification of the calling-party, the called-party is requested to access the online network resource or the mobile application. In response to the called-party logging in to the online network resource or the mobile application, the passcode is communicated from the call management platform to the called-party and is presented with a display of the passcode. The calling-party announces the passcode to the called-party which matches the passcode displayed as a means of verifying the identity of the calling-party.

Claims20

Dependent claims

A system for providing a called-party with identity verification of a calling-party, the system comprising:

at least one of (i) an online network resource associated with the calling-party, and (ii) a mobile application associated with the calling-party;
and
a call management platform including a memory and one or more computing processors in communication with the processor, wherein the memory stores instructions that are executable by one or more computing processors and configured to:
receive a call request that requests the calling-party to initiate a telephone call with the called-party, and
associate a first passcode with the call request and initiate communication of the first passcode to at least one of the online network resource and the mobile application, wherein the online network resource and the mobile application are configured to:
in response the called-party accessing one of the online network resource or the mobile application during the telephone call:
receive authentication credentials from the called-party, and
in response to authenticating the called-party based on the authentication credentials, display, on a called-party device, the first passcode,
wherein in response to displaying the first passcode, the calling-party announces the first passcode to the called-party and a match between the displayed first passcode and the announced first passcode provides the called-party with identity verification of the calling-party.

6 more elements

A computer-implemented method for providing a called-party with identity verification of a calling-party, the method executed by one or more computing device processors and comprising:

receiving an input that requests the calling-party to initiate a telephone call with the called-party;
associating a first passcode with the call request and initiating communication of the first passcode to at least one of an online network resource associated with the calling-party and a mobile application associated with the calling-party,
in response to the called-party accessing, via a called-party device, one of the online network resource or the mobile application during the call:
receiving, at the online network resource or the mobile application, authentication credentials from the called-party;
authenticating the called-party based on the authentication credentials, and
in response to authenticating the called-party, displaying, at the online network resource or within the mobile application, the first passcode,
wherein in response to displaying the first passcode, the calling-party announces the first passcode to the called-party and a match between the displayed first passcode and the announced first passcode provides the called-party with identity verification of the calling-party.

4 more elements

A computer program product comprising a non-transitory computer-readable medium including:

a first set of codes for causing a computer processor to receive a call request that requests the calling-party to initiate a telephone call with the called-party;
a second set of codes for causing a computer processor to associate a first passcode with the call request and initiate communication of the first passcode to at least one of an online network resource associated with the calling-party and a mobile application associated with the calling-party;
a third set of codes for causing a computer processor, in response the called-party accessing, via a called-party device, one of the online network resource or the mobile application during the call, (a) receive, at the online network resource or the mobile application, authentication credentials from the called-party, and in response to authenticating the called-party based on the authentication credentials, (b) display, at the online network resource or within the mobile application, the first passcode,
wherein in response to displaying the first passcode, the calling-party announces the first passcode to the called-party and a match between the displayed first passcode and the announced first passcode provides the called-party with identity verification of the calling-party.

1 more element

Dependencies are inferred from the claim text.