Systems and methods for card authentication
US12243045B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | May 16, 2023 |
| Grant date | Mar 4, 2025 |
| Priority date | — |
| Expiry date | May 16, 2043 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG10L17/14
- WIPO fieldComputer technology
- WIPO sectorElectrical engineering
Abstract
Disclosed embodiments may include a system for card authentication. The system may receive, via a user device, a voice request to activate a card associated with a customer account. The system may generate, using a first machine learning model (MLM), a voice fingerprint confidence score based on comparing a first voice in the voice request to a second voice in a stored audio file associated with a customer of the customer account. The system may generate, using a second MLM, a device authentication score based on comparing an address from the user device to a stored address of a known user device associated with the customer account. The system may determine whether the voice request is valid based at least in part on the voice fingerprint confidence score and the device authentication score. The system may activate the card based on the determination that the voice request is valid.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.