18380314. Pre-Authentication for Interactive Voice Response System (BANK OF AMERICA CORPORATION)
Pre-Authentication for Interactive Voice Response System
Organization Name
Inventor(s)
Pavan K. Chayanam of Alamo CA US
Srinivas Dundigalla of Charlotte NC US
Pre-Authentication for Interactive Voice Response System
This abstract first appeared for US patent application 18380314 titled 'Pre-Authentication for Interactive Voice Response System
Original Abstract Submitted
Arrangements for pre-authenticating users to interactive voice response (IVR) systems are provided. In some examples, a user may initiate, via an application executing on a mobile device of the user, a telephone call to an IVR system. A computing platform may intercept the call and may generate a one-time passcode (OTP). The OTP may be appended to the telephone number as a suffix and the telephone call may be initiated with the IVR system using the telephone number and appended suffix. The IVR system may extract the OTP and may validate the OTP. If the OTP is validated, the call may be initiated as a pre-authenticated call in which the IVR system might not request authentication data from the user. If the OTP is not validated, the call may be initiated as a standard call in which the IVR system may request authentication data from the user.