US 2021/0084033 A1 · METHOD AND SYSTEM FOR INTEGRATING VOICE BIOMETRICS

Method and system for integrating voice biometrics

AssigneeJPMorgan Chase Bank, N.A.

InventorsDonna M. BARRETT, Julia CAY, Brian FLANAGAN, Corinne BIGELOW, Kalpana JAYARAMAN, Laura YOST, Paul D. MAGASINY, Steven FISHMAN, Rafid A. ZANE, Stephanie J. SCHRIEBER, Bryant R. BARRERA, Slobodan PETKOVICH, Matthew D. MATHENY, Nikhil DHOBLE

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Abstract

Systems and methods for determining whether a voice biometrics credential provides a reliable mechanism for authenticating a user are provided. The method includes receiving at least one set of voice data from the user; determining, based on the received at least one set of voice data, a value of at least one parameter that corresponds to a user-specific voice biometrics credential; obtaining at least one user-specific item of information; accessing at least one business rule that relates to the user; and determining, based on the at least one set of voice data, the at least one user-specific item of information, and the at least one business rule, whether the user-specific voice biometrics credential is usable for authenticating the user.

Claims20

Dependent claims

A method for determining whether a voice biometrics credential provides a reliable mechanism for authenticating a user, comprising:

receiving at least one set of voice data from the user;
determining, based on the received at least one set of voice data, a value of at least one parameter that corresponds to a user-specific voice biometrics credential;
obtaining at least one user-specific item of information;
accessing at least one business rule that relates to the user;
and
determining, based on the at least one set of voice data, the at least one user-specific item of information, and the at least one business rule, whether the user-specific voice biometrics credential is usable for authenticating the user.

3 more elements

A computing apparatus for determining whether a voice biometrics credential provides a reliable mechanism for authenticating a user, the computing apparatus comprising:

a processor;
a memory;
and
a communication interface coupled to each of the processor and the memory,
wherein the processor is configured to:
receive, via the communication interface, at least one set of voice data from the user;
determine, based on the received at least one set of voice data, a value of at least one parameter that corresponds to a user-specific voice biometrics credential;
obtain at least one user-specific item of information;
access, from the memory, at least one business rule that relates to the user;
and
determine, based on the at least one set of voice data, the at least one user-specific item of information, and the at least one business rule, whether the user-specific voice biometrics credential is usable for authenticating the user.

8 more elements

Dependencies are inferred from the claim text.

Facts

Application

16/570,480Filed 13 Sep 2019

Published

18 Mar 2021

Term ends

Not estimatedThe source records don’t support an estimate.

Classification11 codes

H04L 63/0861
For authentication of entities: using biometrical features, e.g. fingerprint, retina-scan
G06F 21/316
User authentication: by observing the pattern of computer usage, e.g. typical user behaviour
G06F 21/32
User authentication: using biometric data, e.g. fingerprints, iris scans or voiceprints
G10L 15/26
Speech recognition: speech to text systems