Patents by Inventor David Karpey
David Karpey has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 9734831Abstract: Methods, systems, computer-readable media, and apparatuses for utilizing voice biometrics to prevent unauthorized access are presented. In some embodiments, a computing device may receive a voice sample. Subsequently, the computing device may determine a voice biometric confidence score based on the voice sample. The computing device then may evaluate the voice biometric confidence score in combination with one or more other factors to identify an attempt to access an account without authorization.Type: GrantFiled: January 11, 2016Date of Patent: August 15, 2017Assignee: Bank of America CorporationInventors: Joseph Timem, Donald Perry, Jenny Rosenberger, David Karpey
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Patent number: 9607621Abstract: Systems and methods for determining an identity of an individual are provided. Audio may be received that includes a key phrase spoken by the individual, and the key phrase may include an identifier spoken by the individual. A key phrase voice print and key phrase text corresponding to the audio may be obtained. The key phrase text may include text corresponding to the identifier spoken by the individual. Voice prints may be retrieved based on the text corresponding to the identifier, and the voice prints may be provided to a voice biometric engine for comparison to the key phrase voice print. The individual may be authenticated based on a comparison of the key phrase voice print to the voice prints. The identifier may include a first name and a last name of the individual.Type: GrantFiled: June 13, 2016Date of Patent: March 28, 2017Assignee: Bank of America CorporationInventors: David Karpey, Mark Pender
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Patent number: 9609134Abstract: Methods, systems, computer-readable media, and apparatuses for handling calls based on a voice biometric confidence score are presented. In some embodiments, a computing device may receive a voice sample associated with a telephone call. Subsequently, the computing device may determine a voice biometric confidence score based on the voice sample. The computing device then may determine to route the telephone call to a certain endpoint based on the voice biometric confidence score.Type: GrantFiled: December 14, 2015Date of Patent: March 28, 2017Assignee: Bank of America CorporationInventors: Joseph Timem, Donald Perry, Jenny Rosenberger, David Karpey
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Publication number: 20160300576Abstract: Systems and methods for determining an identity of an individual are provided. Audio may be received that includes a key phrase spoken by the individual, and the key phrase may include an identifier spoken by the individual. A key phrase voice print and key phrase text corresponding to the audio may be obtained. The key phrase text may include text corresponding to the identifier spoken by the individual. Voice prints may be retrieved based on the text corresponding to the identifier, and the voice prints may be provided to a voice biometric engine for comparison to the key phrase voice print. The individual may be authenticated based on a comparison of the key phrase voice print to the voice prints. The identifier may include a first name and a last name of the individual.Type: ApplicationFiled: June 13, 2016Publication date: October 13, 2016Inventors: David Karpey, Mark Pender
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Patent number: 9396730Abstract: Systems and methods for determining an identity of an individual are provided. Audio may be received that includes a key phrase spoken by the individual, and the key phrase may include an identifier spoken by the individual. A key phrase voice print and key phrase text corresponding to the audio may be obtained. The key phrase text may include text corresponding to the identifier spoken by the individual. Voice prints may be retrieved based on the text corresponding to the identifier, and the voice prints may be provided to a voice biometric engine for comparison to the key phrase voice print. The individual may be authenticated based on a comparison of the key phrase voice print to the voice prints. The identifier may include a first name and a last name of the individual.Type: GrantFiled: September 30, 2013Date of Patent: July 19, 2016Assignee: Bank of America CorporationInventors: David Karpey, Mark Pender
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Patent number: 9380041Abstract: Systems and methods are provided for responding to a communication received from an individual. An identification score may be obtained for the communication that indicates the likelihood that a claimed identity of the individual is the actual identity of the individual. A verification score for the communication may also be obtained that indicates the likelihood a purported source of the communication is the actual source of the communication. An authentication score for the communication may additionally be obtained that indicates the likelihood the individual has been authenticated. An overall score for the communication may be generated and based on the identification score, verification score, and authentication score. A response to the communication may thus be determined based on the overall score. The response may be a grant or denial of access to one or more services requested by the individual through the communication.Type: GrantFiled: September 30, 2013Date of Patent: June 28, 2016Assignee: Bank of America CorporationInventors: David Karpey, Jenny Rosenberger
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Publication number: 20160125884Abstract: Methods, systems, computer-readable media, and apparatuses for utilizing voice biometrics to prevent unauthorized access are presented. In some embodiments, a computing device may receive a voice sample. Subsequently, the computing device may determine a voice biometric confidence score based on the voice sample. The computing device then may evaluate the voice biometric confidence score in combination with one or more other factors to identify an attempt to access an account without authorization.Type: ApplicationFiled: January 11, 2016Publication date: May 5, 2016Inventors: Joseph Timem, Donald Perry, Jenny Rosenberger, David Karpey
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Publication number: 20160112569Abstract: Methods, systems, computer-readable media, and apparatuses for handling calls based on a voice biometric confidence score are presented. In some embodiments, a computing device may receive a voice sample associated with a telephone call. Subsequently, the computing device may determine a voice biometric confidence score based on the voice sample. The computing device then may determine to route the telephone call to a certain endpoint based on the voice biometric confidence score.Type: ApplicationFiled: December 14, 2015Publication date: April 21, 2016Inventors: Joseph Timem, Donald Perry, Jenny Rosenberger, David Karpey
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Patent number: 9236052Abstract: Methods, systems, computer-readable media, and apparatuses for utilizing voice biometrics to prevent unauthorized access are presented. In some embodiments, a computing device may receive a voice sample. Subsequently, the computing device may determine a voice biometric confidence score based on the voice sample. The computing device then may evaluate the voice biometric confidence score in combination with one or more other factors to identify an attempt to access an account without authorization.Type: GrantFiled: June 20, 2013Date of Patent: January 12, 2016Assignee: Bank of America CorporationInventors: Joseph Timem, Donald Perry, Jenny Rosenberger, David Karpey
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Patent number: 9215321Abstract: Methods, systems, computer-readable media, and apparatuses for handling calls based on a voice biometric confidence score are presented. In some embodiments, a computing device may receive a voice sample associated with a telephone call. Subsequently, the computing device may determine a voice biometric confidence score based on the voice sample. The computing device then may determine to route the telephone call to a certain endpoint based on the voice biometric confidence score.Type: GrantFiled: June 20, 2013Date of Patent: December 15, 2015Assignee: Bank of America CorporationInventors: Joseph Timem, Donald Perry, Jenny Rosenberger, David Karpey
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Publication number: 20150095028Abstract: Systems and methods for determining an identity of an individual are provided. Audio may be received that includes a key phrase spoken by the individual, and the key phrase may include an identifier spoken by the individual. A key phrase voice print and key phrase text corresponding to the audio may be obtained. The key phrase text may include text corresponding to the identifier spoken by the individual. Voice prints may be retrieved based on the text corresponding to the identifier, and the voice prints may be provided to a voice biometric engine for comparison to the key phrase voice print. The individual may be authenticated based on a comparison of the key phrase voice print to the voice prints. The identifier may include a first name and a last name of the individual.Type: ApplicationFiled: September 30, 2013Publication date: April 2, 2015Applicant: Bank of America CorporationInventors: David Karpey, Mark Pender
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Publication number: 20150095986Abstract: Systems and methods are provided for responding to a communication received from an individual. An identification score may be obtained for the communication that indicates the likelihood that a claimed identity of the individual is the actual identity of the individual. A verification score for the communication may also be obtained that indicates the likelihood a purported source of the communication is the actual source of the communication. An authentication score for the communication may additionally be obtained that indicates the likelihood the individual has been authenticated. An overall score for the communication may be generated and based on the identification score, verification score, and authentication score. A response to the communication may thus be determined based on the overall score. The response may be a grant or denial of access to one or more services requested by the individual through the communication.Type: ApplicationFiled: September 30, 2013Publication date: April 2, 2015Applicant: Bank of America CorporationInventors: David Karpey, Jenny Rosenberger
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Publication number: 20140376703Abstract: Methods, systems, computer-readable media, and apparatuses for handling calls based on a voice biometric confidence score are presented. In some embodiments, a computing device may receive a voice sample associated with a telephone call. Subsequently, the computing device may determine a voice biometric confidence score based on the voice sample. The computing device then may determine to route the telephone call to a certain endpoint based on the voice biometric confidence score.Type: ApplicationFiled: June 20, 2013Publication date: December 25, 2014Inventors: Joseph Timem, Donald Perry, Jenny Rosenberger, David Karpey
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Publication number: 20140379340Abstract: Methods, systems, computer-readable media, and apparatuses for utilizing voice biometrics to prevent unauthorized access are presented. In some embodiments, a computing device may receive a voice sample. Subsequently, the computing device may determine a voice biometric confidence score based on the voice sample. The computing device then may evaluate the voice biometric confidence score in combination with one or more other factors to identify an attempt to access an account without authorization.Type: ApplicationFiled: June 20, 2013Publication date: December 25, 2014Inventors: Joseph Timem, Donald Perry, Jenny Rosenberger, David Karpey
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Publication number: 20140379339Abstract: Methods, systems, computer-readable media, and apparatuses for selecting authentication questions based on a voice biometric confidence score are presented. In some embodiments, a computing device may receive a voice sample. Subsequently, the computing device may determine a voice biometric confidence score based on the voice sample. The computing device then may select one or more authentication questions based on the voice biometric confidence score.Type: ApplicationFiled: June 20, 2013Publication date: December 25, 2014Inventors: Joseph Timem, Donald Perry, Jenny Rosenberger, David Karpey
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Publication number: 20140379525Abstract: Methods, systems, computer-readable media, and apparatuses for utilizing voice biometrics to provide relationship-based service are presented. In some embodiments, a computing device may receive a voice sample associated with a customer of an organization. Subsequently, the computing device may determine a voice biometric confidence score based on the voice sample. The computing device then may determine a relationship between the customer and the organization based on the voice sample and the voice biometric confidence score.Type: ApplicationFiled: June 20, 2013Publication date: December 25, 2014Inventors: Joseph Timem, Donald Perry, Jenny Rosenberger, David Karpey