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:
May. 12, 2026
Filed:
Jul. 03, 2024
Bank of America Corporation, Charlotte, NC (US);
Sivashalini Sivajothi, Chennai, IN;
Maneesh Kumar Sethia, Hyderabad, IN;
Boddu Vikas Teja, Chandanagar, IN;
Ankit Kumar Sahoo, Hyderabad, IN;
Bank of America Corporation, Charlotte, NC (US);
Abstract
Systems and methods detect and prevent vishing attacks through an integrated framework combining SIP header customization, STIR/SHAKEN frameworks, AI/ML analysis, and real-time speech analysis using the Viterbi algorithm. The system begins with call initiation, embedding authentication information in the SIP header. The SIP data is transmitted and verified using STIR/SHAKEN frameworks, ensuring the authenticity of the caller's identity. Verified data is cross-referenced with third-party databases and analyzed by an AI/ML engine to detect anomalies. If potential fraud is detected, the call is blocked, and the customer is notified. Calls that pass initial checks are further analyzed using the Viterbi algorithm, which converts speech to text and identifies suspicious patterns. An anomaly pattern detector processes the converted text to detect vishing indicators, terminating the call if a match is found. This multi-layered approach ensures robust protection against vishing, enhancing the security and reliability of voice communications while safeguarding users from fraud.