Intelligent Technical Protocol Based Approach Leveraging AI-ML to Block Vishing Scammers

Patent №

US 12,626,257

Granted

2026-05-12

Filed 2024

Owner

Bank of America Corporation

Lab

AI components

0

Assignment

None on record

Dataset

AIPD

Application

18763525

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.

G06Q 20/4016H04L 63/1483G06F 16/951G06F 40/279G06F 40/30G10L 15/183G10L 17/02G10L 17/26+7 more

Ownership

Bank of America Corporation

From the same owner

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