The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Mar. 24, 2026
Filed:
Jan. 02, 2024
United Services Automobile Association (Usaa), San Antonio, TX (US);
Gabrielle Diane Salazar, San Antonio, TX (US);
Dustin Bowen Bitter, Lehi, UT (US);
Mitzi Ruiz, San Antonio, TX (US);
Jeanie Graciela Lopez, San Antonio, TX (US);
Oscar Guerra, San Antonio, TX (US);
William Daniel Farmer, Carrollton, TX (US);
Jennifer Marie Chandler-Bradley, Tampa, FL (US);
United Services Automobile Association (USAA), San Antonio, TX (US);
Abstract
An authentication service proofs a user by identifying expected interactions and/or interaction characteristics of the user with an interactive voice response system. Specifically, during an interactive voice response (IVR) system session, an initial proofing of a user via one or more credentials supplied by the user via the IVR system session is performed. Interactions by the user with the IVR system are tracked. After the initial proofing of the user, response datasets are recorded, providing an indication of the tracked interactions by the user and an association of a user account of the user in a response data store. Periodically, the response datasets are accessed and interaction-based proofing data rules are generated based at least in part upon the accessed response datasets. The interaction-based proofing data rules are provided for subsequent proofing of the user based upon subsequent actions of the user.