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.
Ownership
Bank of America Corporation