ALEXANDRIA, Va., April 7 -- United States Patent no. 12,598,250, issued on April 7, was assigned to Capital One Services LLC (McLean, Va.).

"Systems and methods for coherent and tiered voice enrollment" was invented by Zhiyuan Guan (McLean, Va.), Boqing Xu (Rolling Meadows, Ill.), Michael Quirolo (Arlington, Va.), Sarah Strauss (Ashburn, Va.) and John Bartusek (Silver Spring, Md.).

According to the abstract* released by the U.S. Patent & Trademark Office: "Computer-implemented methods and systems include enrolling a user at a first security tier, from a plurality of security tiers, based on user risk criteria and call risk criteria applied to one or more historical calls, storing voice calibration information for the enrolled user based o...