Communication Verification Using Authentic Record Matching

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Solution Overview

Problem

Customers lack the ability to definitively determine whether communications received from institutions are authentic or fraudulent, relying on context clues that are increasingly difficult to discern with the rise of sophisticated artificial intelligence-generated scams.

Innovation Solution

A system that stores authentic communication records for users, allowing verification of candidate communications by comparing feature values against stored records, providing a definitive classification as authentic or fraudulent, and optionally offering contextual reasons and warnings to users and third-party entities.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If customers rely on context clues to identify fraudulent communications, then they can detect some fraud without additional systems, but the ability to definitively determine authenticity deteriorates as fraudsters use sophisticated AI tools

Engineering Contradiction:

Improveability to definitively determine communication authenticityVSAvoiddifficulty in discerning authentic from fraudulent communications

Core Design Contradiction:

ReliabilityVSDifficulty of detecting and measuring

Solution Approach 1:

The patent introduces an intermediary verification system that acts as a mediator between the communication sender and receiver. This system maintains a repository of authentic communication records and provides verification services to users, allowing them to definitively determine authenticity without needing to independently analyze communication content for fraud indicators.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The system performs preliminary actions by pre-establishing and storing authentic communication records in a repository before users need to verify communications. This advance preparation enables rapid verification when users receive suspicious communications, eliminating the need for users to perform complex analysis themselves.

Inventive Principle:

Principle #10Preliminary action

2Reliability

If a verification system stores and compares communication records, then definitive authenticity determination is achieved, but system complexity increases

Engineering Contradiction:

Improvedefinitive authenticity determinationVSAvoidverification system structure

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent extracts the verification functionality into a separate, dedicated system component rather than embedding it within existing communication platforms. This extraction allows the verification system to be developed, maintained, and scaled independently, managing complexity through modular design while providing definitive authenticity determination.

Inventive Principle:

Principle #2Taking out (Extraction)

Solution Approach 2:

The verification system is designed with universal functionality that can verify various types of communications (emails, text messages, phone calls, paper mailings) through a single unified platform. This multi-functionality reduces overall system complexity by avoiding the need for separate verification systems for each communication type.

Inventive Principle:

Principle #6Universality (Multi-functionality)

3Loss of information

If users are provided with warnings about suspicious communications, then they receive cautionary information, but the burden of identification remains on the user without definitive answers

Engineering Contradiction:

Improveinformation about communication authenticityVSAvoiduser burden in identifying fraud

Core Design Contradiction:

Loss of informationVSEase of operation

Solution Approach 1:

The system implements feedback by providing users with definitive verification results from the authenticity check rather than merely warning them of potential risks. This feedback loop gives users clear, actionable information about whether a communication is authentic or fraudulent, eliminating the uncertainty and burden of manual analysis.

Inventive Principle:

Principle #23Feedback

Data Source

PatentUS12477332B2Systems and methods for verifying candidate communications

Publication Date: 2025.11.18 WELLS FARGO BANK NA

AI summary

Systems, apparatuses, methods, and computer program products are disclosed for verifying candidate communications. An example method includes receiving a communication verification request comprising a candidate communication from a third-party device and determining one or more candidate communication feature values for one or more communication feature types. The example method further includes querying an authentic communication storage repository for an authentic communication record that comprises one or more authentic communication feature values that correspond to the one or more candidate communication features, wherein the authentic communication storage repository comprises a plurality of authentic communication records. The example method further includes determining a communication classification for the candidate communication based on a query result and providing a communication verification response comprising the communication classification to the third-party device.