# US 12,192,403 B2 · Computer-based systems having computing devices programmed for caller identity verification and methods of use thereof

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- Number: US 12,192,403 B2
- Document ID: US12192403B2
- Status: Granted
- Kind: B2
- Application number: 18/057,352
- Filed: 2022-11-21
- Published: 2024-05-23
- Granted: 2025-01-07
- Earliest claimed: 2022-11-21
- Assignees: Capital One Services, LLC
- Applicants: Capital One Services, LLC
- Inventors: Tyler Maiman; Lin Ni Lisa Cheng; Dwij Trivedi; Asher Smith-Rose; Salik Shah
- Web page: https://patentgrep.com/patent/US12192403B2

## CPC

- H04M 3/42059: {Making use of the calling party identifier}
- H04M 3/42042: {Notifying the called party of information on the calling party (details within substation equipment H04M1/57, signalling details H04Q3/72)}
- H04M 3/436: Arrangements for screening incoming calls {, i.e. evaluating the characteristics of a call before deciding whether to answer it (based on the calling party profile H04M3/42059; based on location H04M3/42348; based on presence H04M3/42365; diversion H04M3/54)}
- H04M: TELEPHONIC COMMUNICATION (circuits for controlling other apparatus via a telephone cable and not involving telephone switching apparatus G08)

## Abstract

Systems and methods of caller identity verification and notification are disclosed. In one embodiment, an exemplary computer-implemented method may include: configuring a notification application, executing at a first computing device associated with a first user, the first user associated with an entity; receiving, from the notification application executing on the first computing device, an indication when the first user initiates a particular call to a second user; determining an application associated with the entity and installed on the second computing device of the second user, the application having an icon displayed at a screen of the second computing device; and instructing the application, executing on the second computing device, when the second computing device has received the particular call from the first user, to update an appearance of the icon associated with the application to display an indicator with regard to that the first user is associated with the entity.

## Claims

### Claim 1

A method comprising:
configuring, by one or more processors, a notification application, executing at a first computing device associated with a first user, such that to transmit an indication upon the first user initiating a call to another user, the first user associated with an entity;
receiving, by the one or more processors, from the notification application executing on the first computing device, a particular indication when the first user initiates a particular call to a second user;
receiving, by the one or more processors, from a second computing device of the second user, a permission indicator identifying a permission by the second user to detect calls being received by the second computing device;
receiving, by the one or more processors, from the second computing device, a second indication of the particular call being received from the first user;
determining, by the one or more processors, an application associated with the entity and installed on the second computing device of the second user, the application having an icon displayed at a screen of the second computing device; and
instructing, by the one or more processors, the application, executing on the second computing device, when the second computing device has received the particular call from the first user, to update an appearance of the icon associated with the application to display an indicator with regard to that the first user is associated with the entity.

### Claim 2 (depends on 1)

The method of claim 1, wherein the appearance of the icon is updated prior to the second user answers the call from the first user.

### Claim 3 (depends on 1)

The method of claim 1, wherein the indicator comprises one or more of: an outline surrounding the icon, a drop shadow on the icon, and a bubble on the icon.

### Claim 4 (depends on 1)

The method of claim 1, wherein the indicator is displayed in an on or off mode.

### Claim 5

A method comprising:
obtaining, by one or more processors, a trained call verification machine learning model that determines a likelihood of when a phone number is associated with a fraudulent entity or a legitimate entity;
receiving, by the one or more processors, from a computing device of a first user, a permission indicator identifying a permission by the first user to detect calls being received by the computing device;
receiving, by the one or more processors, from the computing device, an indication of a particular call being received from a second user at a particular phone number, the second user claiming to be associated with a particular entity;
identifying, by the one or more processors, an application installed on the computing device, the application associated with the particular entity and having an icon displayed at a screen of the computing device;
utilizing, by the one or more processors, the trained call verification machine learning model to determine a likelihood that the particular phone number is associated with the particular entity; and
instructing, by the one or more processors, the computing device to update an appearance of the icon associated with the application to display an indicator to reflect the likelihood that the particular phone number is associated with the particular entity.

### Claim 6 (depends on 5)

The method of claim 5, further comprising:
comparing, by the one or more processors, the likelihood with a threshold to determine a binary value indicating whether the particular phone number is associated with the particular entity; and
designating, by the one or more processors, the binary value as the likelihood that the particular phone number is associated with the particular entity.

### Claim 7 (depends on 5)

The method of claim 5, wherein the likelihood comprises a range of values.

### Claim 8 (depends on 5)

The method of claim 5, wherein the indicator comprises one or more of: an outline surrounding the icon, a drop shadow on the icon, and a bubble on the icon.

### Claim 9 (depends on 8)

The method of claim 8, wherein the indicator further comprises a visual cue corresponding to the likelihood, the visual cue associated with a range of visual cues corresponding to a range of values.

### Claim 10 (depends on 9)

The method of claim 9, wherein the range of visual cues corresponds to a range of color gradients.

### Claim 11

A system comprising:
one or more processors; and
a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, cause the one or more processors to:
configure a notification application, executing at a first computing device associated with a first user, such that to transmit an indication upon the first user initiating a call to another user, the first user associated with an entity;
receive, from the notification application executing on the first computing device, a particular indication when the first user initiates a particular call to a second user;
receive, from a second computing device of the second user, a permission indicator identifying a permission by the second user to detect calls being received by the second computing device;
receive, from the second computing device, a second indication of the particular call being received from the first user;
determine an application associated with the entity and installed on the second computing device of the second user, the application having an icon displayed at a screen of the second computing device; and
instruct the application, executing on the second computing device, when the second computing device has received the particular call from the first user, to update an appearance of the icon associated with the application to display an indicator with regard to that the first user is associated with the entity.

### Claim 12 (depends on 11)

The system of claim 11, wherein the appearance of the icon is updated prior to the second user answers the call from the first user.

### Claim 13 (depends on 11)

The system of claim 11, wherein indicator comprises one or more of: an outline surrounding the icon, a drop shadow on the icon, and a bubble on the icon.

### Claim 14 (depends on 11)

The system of claim 11, wherein the indicator is displayed in an on or off mode.

### Claim 15

A system comprising:
one or more processors; and
a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, cause the one or more processors to:
obtain a trained call verification machine learning model that determines a likelihood of when a phone number is associated with a fraudulent entity or a legitimate entity;
receive, from a computing device of a first user, a permission indicator identifying a permission by the first user to detect calls being received by the computing device;
receive, from the computing device, an indication of a particular call being received from a second user at a particular phone number, the second user claiming to be associated with a particular entity;
identify an application installed on the computing device, the application associated with the particular entity and having an icon displayed at a screen of the computing device;
utilize the trained call verification machine learning model to determine a likelihood that the particular phone number is associated with the particular entity; and
instruct the computing device to update an appearance of the icon associated with the application to display an indicator to reflect the likelihood that the particular phone number is associated with the particular entity.

### Claim 16 (depends on 15)

The system of claim 15, wherein the instructions further cause the one or more processors to:
compare the likelihood with a threshold to determine a binary value indicating whether the particular phone number is associated with the particular entity; and
designate the binary value as the likelihood that the particular phone number is associated with the particular entity.

### Claim 17 (depends on 15)

The system of claim 15, wherein the likelihood comprises a range of values.

### Claim 18 (depends on 15)

The system of claim 15, wherein the indicator comprises one or more of: an outline surrounding the icon, a drop shadow on the icon, and a bubble on the icon.

### Claim 19 (depends on 18)

The system of claim 18, wherein the indicator further comprises a visual cue corresponding to the likelihood, the visual cue associated with a range of visual cues corresponding to a range of values.

### Claim 20 (depends on 19)

The system of claim 19, wherein the range of visual cues corresponds to a range of color gradients.