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

Claim 11:
12. A method for step-up authentication for conversational interfaces using spoken passphrases, the method comprising:
receiving, by a server system, a conversational request through a conversational interface of the conversational interfaces 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 an entity interaction model utilized by the conversational interfaces and that utilizes APIs to interact with the server system, wherein the 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;
responding, via the conversational interface, to the user through conversational artificial intelligence (AI) warning the user that an additional step is required;
transmitting, 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;
receiving, by the conversational interface, a spoken submission from the user in response to the warning;
confirming validity of the received spoken submission by comparing the spoken submission to the passphrase; and
in response to confirmation of the spoken submission, authorizing the requested action.