SPEAKER VERIFICATION-BASED FRAUD SYSTEM FOR COMBINED AUTOMATED RISK SCORE WITH AGENT REVIEW AND ASSOCIATED USER INTERFACE

• US 20100305946A1
• Filed: 08/13/2010
• Published: 12/02/2010
• Est. Priority Date: 04/21/2005
• Status: Abandoned Application

• Current Assignee: Victria Incorporated (Verint Systems Incorporated)
• Original Assignee: Victria Incorporated (Verint Systems Incorporated)
• Inventors: Gutierrez, Richard, Rajakumar, Anthony, Guerra, Lisa Marie
• Application Number:
  US12/856,200
• Publication Number:
  US 20100305946A1
• Time in Patent Office: Days
• US Class Current: 704/246
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• 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

Abstract

Disclosed is method for screening an audio for fraud detection, the method comprising: providing a User Interface (UI) control capable of: a) receiving an audio; b) comparing the audio with a list of fraud audios; c) assigning a risk score to the audio based on the comparison with a potentially matching fraud audio of the list of fraud audios; and d) displaying an audio interface on a display screen, wherein the audio interface is capable of playing the audio along with the potentially matching fraud audio, and wherein the display screen further displays metadata for each of the audio and the potentially matching fraud audio thereon, wherein the metadata includes location and incident data of each of the audio and the potentially matching fraud audio.

Claims

1. A system for screening an audio for fraud detection, the system comprising:

a User Interface (UI) control comprising;

a receiver module capable of receiving an audio;

a comparator module capable of comparing the audio with a list of fraud audios;

an risk score generator capable of assigning a risk score to the audio based on the comparison with a potentially matching fraud audio of the list of fraud audios; and

a display screen capable of displaying an audio interface thereon, wherein the audio interface is capable of playing the audio along with the potentially matching fraud audio, and wherein the display screen further displays metadata for each of the audio and the potentially matching fraud audio thereon, wherein the metadata includes at least one of a location and incident data of each of the audio and the potentially matching fraud audio.

2. The system of claim 1, wherein the UI control further comprises a processor capable of generating a visually highlighted representation of the comparison on the display screen, wherein visually highlighted representation comprises at least one of a color highlighting, hatching, shading, and shadowing, and wherein the visually highlighted representation may assist an agent to quickly interpret the comparison and determine whether the audio belongs to a fraudster.

3. The system of claim 2, wherein the processor further generates an indicator on the display screen based on an input from an agent, the indicator indicating fraudsters.

4. The system of claim 2, wherein the processor further displays information related to the fraud audio on the display screen, wherein the information comprises an amount of damage, a type of fraud, and reasons for putting the fraud audio on a watch-list

5. The system of claim 4, wherein the type of fraud may include at least one of a credit card transaction fraud, an e-commerce fraud, a merchandise fraud, an account takeover fraud, a wire transfer fraud, a new account fraud, and a friendly fraud.

6. The system of claim 4, wherein the audio interface, the metadata, the information related to the audio, and the risk score enable an agent to determine whether the audio belongs to a fraudster.

7. The system of claim 1, wherein the audio interface is further capable of playing selective content of at least one of the audio and the potentially matching fraud audio.

8. A method for screening an audio for fraud detection, the method comprising:

providing a User Interface (UI) control capable of;

receiving an audio;

comparing the audio with a list of fraud audios;

assigning a risk score to the audio based on the comparison with a potentially matching fraud audio of the list of fraud audios; and

displaying an audio interface on a display screen, wherein the audio interface is capable of playing the audio along with the potentially matching fraud audio, and wherein the display screen further displays metadata for each of the audio and the potentially matching fraud audio thereon, wherein the metadata includes at least one of a location and incident data of each of the audio and the potentially matching fraud audio.

9. The method of claim 8, wherein the UI control is further capable of generating a visually highlighted representation of the comparison on the display screen, wherein visually highlighted representation comprises at least one of a color highlighting, hatching, shading, and shadowing, and wherein the visually highlighted representation may assist an agent to quickly interpret the comparison and determine whether the audio belongs to a fraudster.

10. The method of claim 9, wherein the UI control further generates an indicator on the display screen based on an input from an agent, the indicator indicating fraudsters.

11. The method of claim 9, wherein the UI control further displays information related to the fraud audio on the display screen, wherein the information comprises an amount of damage, a type of fraud, and reasons for putting the fraud audio on a watch-list

12. The method of claim 11, wherein the type of fraud may include at least one of a credit card transaction fraud, an e-commerce fraud, a merchandise fraud, an account takeover fraud, a wire transfer fraud, a new account fraud, and a friendly fraud.

13. The method of claim 9, wherein the audio interface, the metadata, the information related to the audio, and the risk score enable an agent to determine whether the audio belongs to a fraudster.

14. The method of claim 8, wherein the audio interface is further capable of playing selective content of at least one of the audio and the potentially matching fraud audio.

15. A computer readable medium containing a computer program product for screening an audio for fraud detection, the computer program product comprising:

program code for a User Interface (UI) control comprising;

program code for receiving an audio;

program code for comparing the audio with a list of fraud audios;

program code for assigning a risk score to the audio based on the comparison with a potentially matching fraud audio of the list of fraud audios; and

program code for displaying an audio interface on a display screen, wherein the audio interface is capable of playing the audio along with the potentially matching fraud audio, and wherein the display screen further displays metadata for each of the audio and the potentially matching fraud audio thereon, wherein the metadata includes at least one of a location and incident data of each of the audio and the potentially matching fraud audio.

16. The computer program product of claim 15, wherein program code for the UI control further comprises program code for generating a visually highlighted representation of the comparison on the display screen, wherein visually highlighted representation comprises at least one of a color highlighting, hatching, shading, and shadowing, and wherein the visually highlighted representation may assist an agent to quickly interpret the comparison and determine whether the audio belongs to a fraudster.

17. The computer program product of claim 16, wherein the program code for UI control further generates an indicator on the display screen based on an input from an agent, the indicator indicating fraudsters.

18. The computer program product of claim 16, wherein the program code for the UI control further displays information related to the fraud audio on the display screen, wherein the information comprises an amount of damage, a type of fraud, and reasons for putting the fraud audio on a watch-list

19. The computer program product of claim 18, wherein the type of fraud may include at least one of a credit card transaction fraud, an e-commerce fraud, a merchandise fraud, an account takeover fraud, a wire transfer fraud, a new account fraud, and a friendly fraud.

20. The computer program product of claim 18, wherein the audio interface, the metadata, the information related to the audio, and the risk score enable an agent to determine whether the audio belongs to a fraudster.

21. The computer program product of claim 15, wherein the audio interface is further capable of playing selective content of at least one of the audio and the potentially matching fraud audio.