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.

Date of Patent:
May. 12, 2026

Filed:

Jul. 08, 2024
Applicant:

Bank of America Corporation, Charlotte, NC (US);

Inventors:

Sivashalini Sivajothi, TamilNadu, IN;

Maneesh Kumar Sethia, Telangana, IN;

Boddu Vikas Teja, Telangana, IN;

Ankit Kumar Sahoo, Telangana, IN;

Assignee:

Bank of America Corporation, Charlotte, NC (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
H04L 9/40 (2022.01); G06F 16/951 (2019.01); G06F 40/279 (2020.01); G06F 40/30 (2020.01); G10L 17/02 (2013.01); G10L 17/26 (2013.01); H04L 41/16 (2022.01); H04M 3/22 (2006.01); H04M 7/00 (2006.01);
U.S. Cl.
CPC ...
H04M 7/0078 (2013.01); G06F 16/951 (2019.01); G06F 40/279 (2020.01); G06F 40/30 (2020.01); G10L 17/02 (2013.01); G10L 17/26 (2013.01); H04L 41/16 (2013.01); H04L 63/1483 (2013.01); H04M 3/2281 (2013.01); H04M 2203/6027 (2013.01);
Abstract

Systems and processes are disclosed for a multi-layered approach to fraud prevention by leveraging a machine learning engine integrated with the Session Initiation Protocol (SIP) to attempt caller identification before transitioning to a voice call, allowing for the potential blocking of unwanted calls. If SIP-based identification remains inconclusive, an anomaly detection engine employing the Viterbi algorithm analyzes the caller's speech patterns during voicemail messages. The Viterbi algorithm converts spoken language into text, identifying suspicious characteristics such as unusual speech patterns, inconsistencies, and keywords associated with scams. If suspicious characteristics are detected, the system automatically blocks callback attempts and notifies the customer of potential spam or unwanted calls. This proactive approach addresses both live and recorded fraudulent calls, enhancing the security of telecommunications by preventing fraudulent interactions before they can cause harm. The system continuously learns from new data, adapting to evolving fraud tactics, providing robust, long-term protection for telecommunications users.


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