# US 12,010,108 B2 · Techniques to provide sensitive information over a voice connection > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,010,108 B2 - Document ID: US12010108B2 - Status: Granted - Kind: B2 - Application number: 17/974,014 - Filed: 2022-10-26 - Published: 2023-02-16 - Granted: 2024-06-11 - Earliest claimed: 2020-04-30 - Assignees: Capital One Services, LLC - Applicants: Capital One Services, LLC - Inventors: Abdelkader M'Hamed Benkreira; Michael Mossoba; Joshua Edwards - Web page: https://patentgrep.com/patent/US12010108B2 ## CPC - G06F 21/6218: {to a system of files or objects, e.g. local or distributed file system or database} - H04L 63/08: {for authentication of entities (cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32)} - G06F 21/32: using biometric data, e.g. fingerprints, iris scans or voiceprints - G06Q 20/3272: {using an audio code} - G06Q 20/351: {Virtual cards} - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - G10L 13/00: Speech synthesis; Text to speech systems - G10L 17/00: Speaker identification or verification techniques - G10L 17/06: Decision making techniques; Pattern matching strategies - H04L 63/10: {for controlling access to devices or network resources} - H04L 65/403: Arrangements for multi-party communication, e.g. for conferences (data switching systems for conference H04L12/18; arrangements for connecting several subscribers to a common circuit, i.e. affording conference facilities H04M3/56; television conferencing systems H04N7/15) - H04L 65/1069: Session establishment or de-establishment - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G10L: SPEECH ANALYSIS TECHNIQUES OR SPEECH SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING TECHNIQUES; SPEECH OR AUDIO CODING OR DECODING ## Abstract Embodiments may generally be directed components and techniques to detect a request to provide banking account information over a one or more voice connections, identify the requested banking account information, and generate speech data representing the banking account information requested. In embodiments further include communicating the speech data to another device. ## Claims ### Claim 1 A computer-implemented method, comprising: generating, using at least one processor, a virtual account number corresponding to a banking account of a user, the virtual account number being generated in response to receiving a request for providing the banking account from a first device; associating, using the at least one processor, at least one restriction with the generated virtual account number, the at least one restriction restricting usage of the generated virtual account number by at least one second device, the at least one second device being communicatively coupled to the first device; converting, using the at least one processor, the generated virtual account number to an audible virtual account number; authenticating, using the at least one processor, the at least one second device and transmitting, upon authenticating the at least one second device, via a voice connection established with the at least one second device, the audible virtual account number to the at least one second device; and providing, using the at least one processor, in accordance with the at least one restriction, funds from the banking account of the user in response to the at least one second device confirming receipt of the audible virtual account number. ### Claim 2 (depends on 1) The method according to claim 1, wherein the funds are provided to enable at least one transaction between the first device and the at least one second device. ### Claim 3 (depends on 1) The method according to claim 1, wherein the at least one restriction includes at least one of the following: a time limit restriction restricting time when the virtual account number is used, an amount restriction restricting an amount of funds provided to the at least one second device, a location restriction restricting usage of the funds provided to the at least one second device to a predetermined geographical area, and any combination of thereof. ### Claim 4 (depends on 3) The method according to claim 3, further comprising preventing providing of the funds from the banking account of the user to the at least one second device upon determining a violation of the at least one restriction. ### Claim 5 (depends on 1) The method according to claim 1, wherein at least one of the first device and the at least one second device include at least one of the following: a mobile device, a telephone device, and any combination of thereof. ### Claim 6 (depends on 1) The method according to claim 1, wherein the converting includes speech synthesizing the virtual account number. ### Claim 7 (depends on 1) The method according to claim 1, wherein the received request includes a request in an audible format, wherein the received request is detected by a speech-recognition analyzer communicatively coupled to the at least one processor. ### Claim 8 (depends on 7) The method according to claim 7, wherein the speech-recognition analyzer is configured to analyze the received request and determine at least one of the following: the banking account number, an expiration date, a card verification value, and any combination of thereof. ### Claim 9 (depends on 1) The method according to claim 1, further comprising authenticating, using the at least one processor, the first device in response to the receiving of the request for the banking account. ### Claim 10 (depends on 9) The method according to claim 9, wherein the authenticating including causing, using the at least one processor, the first device to generate a prompt for providing an authentication input; comparing, using the at least one processor, the authentication input received in response to the generated prompt with a stored authentication input; upon determining a match between the authentication input and the stored authentication input, authenticating the first device; upon a failure to determine a match between the authentication input and the stored authentication input, preventing an authentication of the first device and generation and providing of the virtual account number to the at least one second device. ### Claim 11 (depends on 10) The method according to claim 10, wherein the authentication input includes at least one of the following: a username and a password, a password pattern, a password and an email confirmation, a biometric input, and any combination thereof. ### Claim 12 (depends on 1) The method according to claim 1, wherein the voice connection includes a connection established over at least one of the following networks: a cellular telephone network, a public switched telephone network, a voice over internet protocol network, and any combination thereof. ### Claim 13 A system, comprising: at least one processor; and at least one non-transitory storage media storing instructions, that when executed by the at least one processor, cause the at least one processor to perform operations including generating a virtual account number corresponding to a banking account of a user, the virtual account number being generated in response to receiving a request for providing the banking account from a first device to at least one second device; converting the generated virtual account number to an audible virtual account number; authenticating the at least one second device and transmitting, upon authenticating the at least one second device, via a voice connection established with the at least one second device, the audible virtual account number to the at least one second device; and providing funds from the banking account of the user in response to the at least one second device confirming receipt of the audible virtual account number. ### Claim 14 (depends on 13) The system according to claim 13, wherein the generating the virtual account number includes associating at least one restriction with the generated virtual account number, the at least one restriction restricting usage of the generated virtual account number by at least one second device, the at least one second device being communicatively coupled to the first device. ### Claim 15 (depends on 14) The system according to claim 14, wherein the funds are provided to enable at least one transaction between the first device and the at least one second device. ### Claim 16 (depends on 15) The system according to claim 15, wherein the at least one restriction includes at least one of the following: a time limit restriction restricting time when the virtual account number is used, an amount restriction restricting an amount of funds provided to the at least one second device, a location restriction restricting usage of the funds provided to the at least one second device to a predetermined geographical area, and any combination of thereof; wherein the operations further comprise preventing providing of the funds from the banking account of the user to the at least one second device upon determining a violation of the at least one restriction and cancelling the transaction. ### Claim 17 (depends on 13) The system according to claim 13, wherein at least one of the first device and the at least one second device include at least one of the following: a mobile device, a telephone device, and any combination of thereof. ### Claim 18 (depends on 13) The system according to claim 13, wherein the converting includes speech synthesizing the virtual account number. ### Claim 19 (depends on 13) The system according to claim 13, wherein the received request includes a request in an audible format, wherein the received request is detected by a speech-recognition analyzer communicatively coupled to the at least one processor; wherein the speech-recognition analyzer is configured to analyze the received request and determine at least one of the following: the banking account number, an expiration date, a card verification value, and any combination of thereof. ### Claim 20 A computer program product comprising a non-transitory machine-readable medium storing instructions that, when executed by at least one programmable processor, cause the at least one programmable processor to perform operations comprising: receiving a request for providing a banking account of a user from a first device; authenticating the first device in response to the receiving of the request for the banking account, the authenticating including causing the first device to generate a prompt for providing an authentication input; comparing the authentication input received in response to the generated prompt with a stored authentication input; upon determining a match between the authentication input and the stored authentication input, authenticating the first device; upon a failure to determine a match between the authentication input and the stored authentication input, preventing an authentication of the first device; generating, based on the authenticating of the first device, a virtual account number corresponding to the banking account of the user, the virtual account number being generated in response to the receiving of the request for providing the banking account from the first device; associating at least one restriction with the generated virtual account number, the at least one restriction restricting usage of the generated virtual account number by at least one second device, the at least one second device being communicatively coupled to the first device; converting the generated virtual account number to an audible virtual account number; authenticating the at least one second device and transmitting, upon authenticating the at least one second device, via a voice connection established with the at least one second device, the audible virtual account number to the at least one second device; and providing, in accordance with the at least one restriction, funds from the banking account of the user in response to the at least one second device confirming receipt of the audible virtual account number.