METHOD AND SYSTEM FOR GENERATING A FRAUD RISK SCORE USING TELEPHONY CHANNEL BASED AUDIO AND NON-AUDIO DATA

• US 20100303211A1
• Filed: 08/13/2010
• Published: 12/02/2010
• Est. Priority Date: 04/21/2005
• Status: Active Grant

• Current Assignee: Verint Americas Incorporated (Verint Systems Incorporated)
• Original Assignee: Victria Incorporated (Verint Systems Incorporated)
• Inventors: Gutierrez, Richard, Hartig, David, Rajakumar, Anthony, Guerra, Lisa Marie
• Granted Patent: US 8,930,261 B2
• Time in Patent Office: Days
• US Class Current: 379/1.01
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/305 using wired telephone networks
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: H04M 15/00 Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
• CPC Class Codes: H04M 15/47 Fraud detection or prevention means
• CPC Class Codes: H04M 2215/0148 Fraud detection or prevention means

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.

Claims

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.

2. The method of claim 1, wherein the audio channel data comprises at least one of an emotion in a voice sample of the individual when the individual responded to specific questions designed to trigger stress in fraudsters but not in legitimate callers, the voice sample of the individual, keywords in the voice sample, a telephony system used by the individual, and a geographic location of the individual.

3. The method of claim 2, wherein the telephony system comprises one of a Public Switched Telephone Network, a mobile phone, and Voice Over Internet Protocol network.

4. The method of claim 1, wherein the non-audio channel data comprises at least one of a phone number called from, a phone number called to, a time duration for which the individual has had the phone number, a call frequency to/from the phone number called from, the area code of the phone number called from, a number of routing hops needed to complete the call, geography associated with an area code of the phone number called from, geographical location of the individual, whether the individual called from an expected phone number or a non-published number, whether the phone number is being call-forwarded and when that call-forward was initiated, an identity data, transaction data, and Short Message Service channel data.

5. The method of claim 4, wherein the identity data comprises at least one of a name of the individual, a Social Security Number of the individual, an address of the individual, a phone number from which the individual called, and information related to background of the individual.

6. The method of claim 5, 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.

7. A risk score calculator for generating a fraud risk score representing a fraud risk associated with an individual, the system comprising:

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.

8. The risk score calculator of claim 7, wherein the audio channel data comprises at least one of an emotion in a voice sample of the individual when the individual responded to specific questions designed to trigger stress in fraudsters but not in legitimate callers, the voice sample of the individual, keywords in the voice sample, a telephony system used by the individual, and a geographic location of the individual.

9. The risk score calculator of claim 8, wherein the telephony system comprises one of a Public Switched Telephone Network, a mobile phone, and Voice Over Internet Protocol network.

10. The risk score calculator of claim 7, wherein the non-audio channel data comprises at least one of a phone number called from, a phone number called to, a time duration for which the individual has had the phone number, a call frequency to/from the phone number called from, the area code of the phone number called from, a number of routing hops needed to complete the call, geography associated with an area code of the phone number called from, geographical location of the individual, whether the individual called from an expected phone number or a non-published number, whether the phone number is being call-forwarded and when that call-forward was initiated, an identity data, transaction data, and Short Message Service channel data.

11. The risk score calculator of claim 10, wherein the identity data comprises at least one of a name of the individual, a Social Security Number of the individual, an address of the individual, a phone number from which the individual called, and information related to background of the individual.

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.

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:

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.

14. The computer program product of claim 13, wherein the audio channel data comprises at least one of an emotion in a voice sample of the individual when the individual responded to specific questions designed to trigger stress in fraudsters but not in legitimate callers, the voice sample of the individual, keywords in the voice sample, a telephony system used by the individual, and a geographic location of the individual.

15. The computer program product of claim 14, wherein the telephony system comprises one of a Public Switched Telephone Network, a mobile phone, and Voice Over Internet Protocol network.

16. The computer program product of claim 13, wherein the non-audio channel data comprises at least one of a phone number called from, a phone number called to, a time duration for which the individual has had the phone number, a call frequency to/from the phone number called from, the area code of the phone number called from, a number of routing hops needed to complete the call, geography associated with an area code of the phone number called from, geographical location of the individual, whether the individual called from an expected phone number or a non-published number, whether the phone number is being call-forwarded and when that call-forward was initiated, an identity data, transaction data, and Short Message Service channel data.

17. The computer program product of claim 16, wherein the identity data comprises at least one of a name of the individual, a Social Security Number of the individual, an address of the individual, a phone number from which the individual called, and information related to background of the individual.

18. The computer program product of claim 17, 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.