Patent ID: 9049295
Filing Date: 2015-06-02
Classification: G06F,G06Q,H04M

Abstract:
1. A method of processing multiple user call records via an intelligent voice response (IVR) call processing application, the method comprising: receiving a call from a user device; obtaining first user information from a user account stored in a user databank, the first information being associated with a first call record established during a first previously received call from the user device; establishing a first identity confidence level based on the first user information; obtaining second user information from the user account stored in the user databank, the second user information being associated with a second call record established during a second previously received call from the user device; establishing a second identity confidence level based on the second user information; transmitting an offer to the user device based on the first identity confidence level and the second identity confidence level; obtaining third user information from the user account stored in the user databank, the third user information being associated with a third call record established during a third previously received call from the user device; determining the user account has been verified based on a maximum confidence level that is a combination of the first user information, the second user information and the third user information; and enabling the user device to conduct a maximum security transaction during the call based on the established maximum confidence level.