Patent ID: 8130915

Claim:
A method of verification of user presence during an interactive voice response (IVR) system session, comprising: during an enrollment phase of an interactive voice response (IVR) system: a first user and a second user providing a first voice print of the first user and a second voice print of the second user to the IVR system, wherein the first user and a second user are authorized users of a joint account of the IVR system; the IVR system capturing the first and second voice prints and creating a first voice reference model of the first user from the first voice print and a second voice reference model of the second user from the second voice print; the IVR system storing the first and second voice reference models; the IVR system receiving a request to conduct a transaction of the joint account that requires presence of both the first and second users during the transaction to complete the transaction; in response to the IVR system receiving a request to conduct a transaction of the joint account, during a verification phase: the IVR system requesting that the first user speak a first password of the first user during a defined period of time and that the second user speak a second password of the second user also during the defined period of time; during the defined period of time, the IVR system receiving the first password from the first user and the second password from the second user and creating a mixed voice print of the first and second passwords received from the first and second user, respectively; the IVR system determining which of the first and second users spoke first at a first time stamp during the mixed voice print and when the other user of the first and second users spoke second at a second time stamp during the mixed voice print; the IVR system creating a joined voice reference model of the first and second users from the first and second voice reference models created during the enrollment phase, comprised at a first time stamp of the joined voice reference model the voice reference model of the user determined to have spoken first and at a second time stamp of the voice reference model of the user determined to have spoken second and wherein the first and second time stamps of the joined voice reference model correspond in time of the joined voice reference model to the first and second time stamps of the mixed voice print; the IVR system comparing the mixed voice print to the joined voice reference model; the IVR system verifying presence of the first and second users and permitting the transaction to proceed when the mixed voice print matches the joined voice reference model.