Patent ID: 11954192
Assignee: CAPITAL ONE SERVICES, LLC
Field: Computer technology (Electrical engineering)
Classification: CPC G  H | IPC G

Claim 13:
14. One or more non-transitory computer-readable media storing instructions that, when executed by one or more processors, cause a computing device to:
receive an indication of a request, from a user, for access to an account;
select, from an authentication questions database, an authentication question;
cause presentation, to the user, of the authentication question;
receive voice data indicating one or more vocal utterances by the user in response to the authentication question;
process the voice data;
determine, based on the processed voice data, a first confidence score that indicates a degree of confidence of the user when answering the authentication question;
modify an overall confidence score based on the first confidence score, wherein the overall confidence score is based on a plurality of confidence scores that each comprise an indication of a different degree of confidence of a different user when answering the authentication question; and
based on determining that the overall confidence score satisfies a threshold, store, in the authentication questions database, data preventing the authentication question from being used in future authentication processes corresponding to one or more different users.