Automated proofing in interactive voice response

A computer-implemented method comprising:

• during an interactive voice response (IVR) system session, performing an initial proofing of a user via one or more credentials supplied by the user via the IVR system session;
• tracking interactions by the user with the IVR system;
• after the initial proofing of the user, recording response datasets comprising an indication of the tracked interactions by the user and an association of a user account of the user in a response data store;
• periodically accessing the response datasets and generate, update, or both interaction-based proofing data rules based on the accessed response datasets;
• providing the interaction-based proofing data rules for subsequent proofing of the user based upon subsequent actions of the user;
• generating, updating, or both the interaction-based proofing data rules based on particular preferences indicated by the tracked interactions;
• identifying a request to access a protected portion of an electronic service;
• in response to identifying the request to access the protected portion of the electronic service, performing proofing of the user via the interaction-based proofing data rules;
• and
• providing access to the protected portion of the electronic service based upon the proofing of the user via the interaction-based proofing data rules, by:
• determining a level of match of a subsequent set of tracked interactions, characteristics of the subsequent set of tracked interactions, or both with expected interactions, expected characteristics of interactions, or both specified in the interaction-based proofing data rules;
• and
• providing the access based upon the level of match, by:
• when the level of match comprises a first level of match, requiring a first set of additional authentication data to grant the access;
• when the level of match comprises a second level of match greater than the first level of match, requiring a second set of additional authentication data less than the first set of additional authentication data to grant the access;
• when the level of match comprises a third level of match greater than the second level of match, requiring a third set of additional authentication data less than the second set of additional authentication data to grant the access;
• and
• when there is not enough tracked interactions to proof the user:
• identifying a set of particular interactions by the user that will satisfy one or more of the interaction-based proofing data rules;
• and
• providing one or more additional interaction prompts to attempt to trigger the particular interactions by the user that will satisfy the interaction-based proofing data rules.