US 12,243,045 B2
Systems and methods for card authentication
Elizabeth Qian, Long Island, NY (US); Robert Fenster, Reston, VA (US); and David Huang, Henrico, VA (US)
Assigned to CAPITAL ONE SERVICES, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on May 16, 2023, as Appl. No. 18/318,227.
Prior Publication US 2024/0386414 A1, Nov. 21, 2024
Int. Cl. G06Q 20/34 (2012.01); G06V 40/16 (2022.01); G10L 17/00 (2013.01)
CPC G06Q 20/354 (2013.01) [G06V 40/172 (2022.01); G10L 17/00 (2013.01)] 19 Claims
OG exemplary drawing
 
1. A card authentication system comprising:
one or more processors; and
memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the card authentication system to:
receive, via a user device, an audio file comprising a first voice of a customer;
associate the audio file with a first customer account of the customer;
store the audio file;
receive, via the user device, a first credential token and a voice request to activate a card associated with a second customer account, wherein the voice request comprises a first number associated with the card;
generate, using a first machine learning model, a voice fingerprint confidence score based on comparing a second voice in the voice request to the first voice of the stored audio file;
generate, using a second machine learning model, a device authentication score based on (i) comparing an address from the user device to a stored address of a known user device associated with the second customer account and (ii) determining whether the user device and the known user device are connected to a shared communication network;
determine whether the first credential token is valid by comparing the first credential token to a second credential token associated with the user device;
determine whether the voice request is valid based at least in part on the determination of whether the first credential token is valid and by:
determining whether the first number matches a stored second number associated with the card;
responsive to determining the first number matches the stored second number, determining whether the device authentication score exceeds a first predetermined threshold; and
responsive to determining the device authentication score exceeds the first predetermined threshold, determining whether the voice fingerprint confidence score satisfies a second predetermined threshold; and
activate the card based on the determination that the voice request is valid.