Patent ID: 11935545
Assignee: TRUIST BANK
Field: Computer technology (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A back-end server system for step-up authentication for conversational interface using spoken passphrases, the system comprising:
at least one processor;
a communication interface communicatively coupled to the at least one processor; and
a memory device storing executable code that, when executed, causes the processor to:
receive, by the server system, a conversational request through the conversational interface for an action which the conversational interface determines, via a machine learning (ML) model and based on a derived intent for the action by a user, requires step-up authorization, wherein the conversational request is received from a virtual private cloud that utilizes an entity lambda trigger to interact with a entity interaction model utilized by the conversational interface and that utilizes APIs to interact with the server system, wherein the derived intent is compared, by the conversational interface, to a collection of intents stored to the entity interaction model, wherein the entity interaction model triggers the step-up authorization to initiate interaction with the virtual private cloud in response to the derived intent and enables the derived intent and a search phrase to be passed from the entity interaction model to a cloud provider of the virtual private cloud;
respond, via the conversational interface, to the user through conversational artificial intelligence (AI) warning the user that an additional step is required;
transmit, over a dedicated communication channel to the user and different than the conversational interface, a secret passphrase generated using a spoken passphrase dictionary stored to a passphrase database of the server system;
receive, from the conversational interface, a spoken submission from the user in response to the warning;
confirm validity of the received spoken submission by comparing the spoken submission to the passphrase; and
in response to confirmation of the spoken submission, authorize the requested action.