Patent Document ID: 9172808
Application ID: 14188009
Patent Status: 1

Claim One:
1. A method for authentication, comprising: obtaining identifying data and a voice print from a caller; obtaining account behavior information pertaining to a financial account, wherein the account behavior information uniquely identifies historic financial transaction patterns for a previously authenticated user associated with the account; comparing the voice print to one or more stored voice prints; calculating four or more initial scores that each indicate a likelihood that the caller is the previously authenticated user, wherein the four or more initial scores comprise: (a) an initial metadata score calculated based on the account behavior information and the identifying data; (b) an initial device score calculated based on device fingerprinting and monitoring signal variances; (c) an initial fraud voice score calculated based on the comparison of the voice print to the one or more stored voice prints, wherein the one or more stored voiceprints comprise one or more fraudulent voice prints; and (d) an initial authorized voice score calculated based on the comparison of the voice prints to the one or more stored voiceprints, wherein the one or more stored voiceprints further comprise one or more authorized voiceprints for that account; calculating a confidence interval score that accounts for any change in confidence that the four or more initial scores are correct; determining whether to authenticate based on differences between the four or more initial scores and the confidence interval score.