US 11,889,011 B2Granted

Restricting access based on voice communication parameters

AssigneeCapital One Services, LLC

InventorsAsher Smith-Rose, Tyler Maiman, Lin Ni Lisa Cheng, Salik Shah

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Abstract

Methods and systems are described herein for manipulating a communication acceptance screen, manipulating an interactive communication acceptance icon, and restricting access to accounts based on voice communication parameters. In particular, when a communication is detected from one device to another device, that communication may be risky. Thus, the risk is mitigated by giving a user information about the source of the communication to give a user a chance to reject the communication. In addition, in instances where the user accepts the communication, the system enables monitoring the communication and restricting any accounts that are disclosed within the communication.

Claims20

Dependent claims

A system for restricting access to accounts based on voice communication parameters, the system comprising:

one or more processors;
and
a non-transitory computer-readable storage medium storing instructions, which when executed by the one or more processors cause the one or more processors to:
determine a risk level associated with a voice communication;
in response to determining that the risk level associated with the voice communication exceeds a risk threshold, initiate voice data monitoring of the voice communication;
retrieve one or more account identifiers associated with a user account;
periodically receive a textual transcript of a latest portion of the voice communication;
compare each textual transcript with the one or more account identifiers;
detect, based on the voice data monitoring of the voice communication, an account identifier in the voice communication;
access, based on the account identifier, an account associated with the account identifier;
and
assign a restriction to the account associated with the account identifier, wherein the restriction restricts one or more actions associated with the account.

9 more elements

A method comprising:

detecting a communication between a first communication device and a second communication device;
retrieving one or more account identifiers associated with a user account of a user of the first communication device;
periodically receiving a textual transcript of a portion of the communication;
searching each textual transcript for the one or more account identifiers;
in response to locating the one or more account identifiers in a particular textual transcript, detecting account access information in the communication;
and
updating an account associated with the account access information with a restriction.

4 more elements

A non-transitory, computer-readable medium for restricting access to accounts based on voice communication parameters, storing instructions that when executed by one or more processors, cause the one or more processors to perform operations comprising:

detecting a communication between a first communication device and a second communication device;
retrieving one or more account identifiers associated with a user account of a user of the first communication device;
periodically receiving a textual transcript of a portion of the communication;
searching each textual transcript for the one or more account identifiers;
in response to locating the one or more account identifiers in a particular textual transcript, detecting account access information in the communication;
and
updating an account associated with the account access information with a restriction.

4 more elements

Dependencies are inferred from the claim text.

Facts

Application: 17/820,557Filed 17 Aug 2022 · continuation
Priority: 7 Jun 2021
Published: US 2022/0400172 A115 Dec 2022
Granted: 30 Jan 2024
Term ends: Not estimatedThe source records don’t support an estimate.

Classification11 codes

H04M 1/663
With means for preventing unauthorised or fraudulent calling: preventing unauthorised calls to a telephone set
G10L 15/26
Speech recognition: speech to text systems
H04M 1/575
Arrangements for indicating or recording the number of the calling subscriber at the called subscriber's set: means for retrieving and displaying…
H04M 1/72469
User interfaces specially adapted for cordless or mobile telephones: for operating the device by selecting functions from two or more displayed…