METHOD AND SYSTEM FOR GENERATING A FRAUD RISK SCORE USING TELEPHONY CHANNEL BASED AUDIO AND NON-AUDIO DATA
First Claim
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1. A method for generating a fraud risk score representing a fraud risk associated with an individual, the method comprising:
- determining a telephony channel risk score from at least one of audio channel data and non-audio channel data of the individual; and
generating the fraud risk score based on at least one of the telephony channel risk score, the audio channel data, and the non-audio channel data.
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Abstract
Disclosed is a method for generating a fraud risk score representing a fraud risk associated with an individual, the method comprising: a) determining a telephony channel risk score from at least one of audio channel data and non-audio channel data of the individual; and b) generating the fraud risk score based on at least one of the telephony channel risk score, the audio channel data, and the non-audio channel data.
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Citations
18 Claims
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1. A method for generating a fraud risk score representing a fraud risk associated with an individual, the method comprising:
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determining a telephony channel risk score from at least one of audio channel data and non-audio channel data of the individual; and generating the fraud risk score based on at least one of the telephony channel risk score, the audio channel data, and the non-audio channel data. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A risk score calculator for generating a fraud risk score representing a fraud risk associated with an individual, the system comprising:
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a telephony risk score calculator capable of determining a telephony channel risk score from at least one of audio channel data and non-audio channel data of the individual; and an aggregate risk score generator capable of generating the fraud risk score based on at least one of the telephony channel risk score, the audio channel data, and the non-audio channel data. - View Dependent Claims (8, 9, 10, 11)
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12. The risk score calculator of claim 12, wherein the information related to the background of the individual includes at least one of previous addresses lived at, persons that the individual shared a residence with, mother'"'"'s maiden name, and a color of a first car.
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13. A computer readable medium containing a computer program product for generating a fraud risk score representing a fraud risk associated with an individual, the computer program product comprising:
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program code for determining a telephony channel risk score from at least one of audio channel data and non-audio channel data of the individual; and program code for generating the fraud risk score based on at least one of the telephony channel risk score, the audio channel data, and the non-audio channel data. - View Dependent Claims (14, 15, 16, 17, 18)
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Specification