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).

  • Patent number: 9734831
    Abstract: 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: Grant
    Filed: January 11, 2016
    Date of Patent: August 15, 2017
    Assignee: Bank of America Corporation
    Inventors: Joseph Timem, Donald Perry, Jenny Rosenberger, David Karpey
  • Patent number: 9607621
    Abstract: 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: Grant
    Filed: June 13, 2016
    Date of Patent: March 28, 2017
    Assignee: Bank of America Corporation
    Inventors: David Karpey, Mark Pender
  • Patent number: 9609134
    Abstract: 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: Grant
    Filed: December 14, 2015
    Date of Patent: March 28, 2017
    Assignee: Bank of America Corporation
    Inventors: Joseph Timem, Donald Perry, Jenny Rosenberger, David Karpey
  • Publication number: 20160300576
    Abstract: 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: Application
    Filed: June 13, 2016
    Publication date: October 13, 2016
    Inventors: David Karpey, Mark Pender
  • Patent number: 9396730
    Abstract: 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: Grant
    Filed: September 30, 2013
    Date of Patent: July 19, 2016
    Assignee: Bank of America Corporation
    Inventors: David Karpey, Mark Pender
  • Patent number: 9380041
    Abstract: 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: Grant
    Filed: September 30, 2013
    Date of Patent: June 28, 2016
    Assignee: Bank of America Corporation
    Inventors: David Karpey, Jenny Rosenberger
  • Publication number: 20160125884
    Abstract: 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: Application
    Filed: January 11, 2016
    Publication date: May 5, 2016
    Inventors: Joseph Timem, Donald Perry, Jenny Rosenberger, David Karpey
  • Publication number: 20160112569
    Abstract: 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: Application
    Filed: December 14, 2015
    Publication date: April 21, 2016
    Inventors: Joseph Timem, Donald Perry, Jenny Rosenberger, David Karpey
  • Patent number: 9236052
    Abstract: 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: Grant
    Filed: June 20, 2013
    Date of Patent: January 12, 2016
    Assignee: Bank of America Corporation
    Inventors: Joseph Timem, Donald Perry, Jenny Rosenberger, David Karpey
  • Patent number: 9215321
    Abstract: 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: Grant
    Filed: June 20, 2013
    Date of Patent: December 15, 2015
    Assignee: Bank of America Corporation
    Inventors: Joseph Timem, Donald Perry, Jenny Rosenberger, David Karpey
  • Publication number: 20150095028
    Abstract: 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: Application
    Filed: September 30, 2013
    Publication date: April 2, 2015
    Applicant: Bank of America Corporation
    Inventors: David Karpey, Mark Pender
  • Publication number: 20150095986
    Abstract: 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: Application
    Filed: September 30, 2013
    Publication date: April 2, 2015
    Applicant: Bank of America Corporation
    Inventors: David Karpey, Jenny Rosenberger
  • Publication number: 20140376703
    Abstract: 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: Application
    Filed: June 20, 2013
    Publication date: December 25, 2014
    Inventors: Joseph Timem, Donald Perry, Jenny Rosenberger, David Karpey
  • Publication number: 20140379340
    Abstract: 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: Application
    Filed: June 20, 2013
    Publication date: December 25, 2014
    Inventors: Joseph Timem, Donald Perry, Jenny Rosenberger, David Karpey
  • Publication number: 20140379339
    Abstract: 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: Application
    Filed: June 20, 2013
    Publication date: December 25, 2014
    Inventors: Joseph Timem, Donald Perry, Jenny Rosenberger, David Karpey
  • Publication number: 20140379525
    Abstract: 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: Application
    Filed: June 20, 2013
    Publication date: December 25, 2014
    Inventors: Joseph Timem, Donald Perry, Jenny Rosenberger, David Karpey