US 11,727,408 B2
Systems for detecting biometric response to attempts at coercion
Sophie Bermudez, Dartmouth, MA (US); Alexandra Colevas, Arlington, VA (US); Sarah Cunningham, Arlington, VA (US); Michael Saia, New York, NY (US); Kaylyn Gibilterra, New York, NY (US); and Salik Shah, Washington, DC (US)
Assigned to CAPITAL ONE SERVICES, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Aug. 31, 2021, as Appl. No. 17/463,354.
Application 17/463,354 is a continuation of application No. 16/860,095, filed on Apr. 28, 2020, granted, now 11,113,693.
Application 16/860,095 is a continuation of application No. 16/199,502, filed on Nov. 26, 2018, granted, now 10,664,842, issued on May 26, 2020.
Prior Publication US 2021/0398131 A1, Dec. 23, 2021
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/00 (2012.01); G06Q 20/40 (2012.01); G06F 16/22 (2019.01); G06F 16/2457 (2019.01); G06Q 20/10 (2012.01)
CPC G06Q 20/4016 (2013.01) [G06F 16/22 (2019.01); G06F 16/24575 (2019.01); G06Q 20/10 (2013.01); G06Q 20/407 (2013.01); G06Q 20/40145 (2013.01)] 19 Claims
OG exemplary drawing
 
1. A user device comprising:
one or more processors;
a memory in communication with the one or more processors and storing instructions, that when executed by one or more processors, cause the device to:
record, by one or more biometric sensors, user-specific baseline stress data and user-specific baseline calm data, the user-specific baseline stress data being representative of biological information of a user being in a stressed state and the user-specific baseline calm data being representative of biological information of the user in a calm state;
identify a trigger event associated with a potential transfer of funds;
record situational data including biological information associated with a user in response to the identified trigger event;
responsive to determining that the situational data is above a predetermined level of similarity to the user-specific baseline stress data, determine that a suspicious transaction is occurring;
initiate one or more precautionary safety measures, the one or more precautionary safety measures comprising causing at least one of a camera and a microphone associated with the user device to begin recording; and
confirm whether the suspicious transaction was a coerced transaction by:
generating a request for a confirmation of safety of the user for verification of whether a requested transfer of funds was coerced, the verification comprising user recitation of a security phrase;
recording, via the microphone a security phrase provided by the user;
saving the security phrase as recorded security data;
responsive to the recorded security data being determined to be outside the predetermined level of similarity to stored voice data, determining that the requested transfer of funds is a coerced transfer of funds; and
responsive to the recorded security data being determined to be within a predetermined level of similarity to the stored voice data associated with a predetermined security phrase, determining that the requested transfer of funds is a voluntary transfer of funds.