Patent 11593466 was granted and assigned to Wells Fargo on February, 2023 by the United States Patent and Trademark Office.
Authentication is performed based on a user narrative. A narrative, such as a personal story, can be requested during a setup process. Content, voice signature, and emotion can be determined or inferred from analyzing the narrative. Subsequently, a user can provide vocal input associated with the narrative, such as by retelling the narrative or answering questions regarding the narrative. The vocal input can be analyzed for content, voice signature and emotion, and compared with the initial narrative. An authentication score can then generated based on the comparison.