FRAUD DETECTION

• US 20150269941A1
• Filed: 03/21/2014
• Published: 09/24/2015
• Est. Priority Date: 03/21/2014
• Status: Active Grant

• Current Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Original Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Inventors: Jones, Raymond F.
• Granted Patent: US 9,607,620 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06Q 30/0185 Product, service or business identity fraud
• CPC Class Codes: G10L 17/02 Preprocessing operations, e.g. segment selection; Pattern representation or modelling, e.g. based on linear discriminant analysis [LDA] or principal components; Feature selection or extraction
• CPC Class Codes: G10L 17/04 Training, enrolment or model building
• CPC Class Codes: G10L 17/06 Decision making techniques; Pattern matching strategies
• CPC Class Codes: G10L 17/22 Interactive procedures; Man-machine interfaces
• CPC Class Codes: G10L 17/26 Recognition of special voice characteristics, e.g. for use in lie detectors; Recognition of animal voices
• CPC Class Codes: G10L 21/0208 Noise filtering
• CPC Class Codes: H04M 15/47 Fraud detection or prevention means
• CPC Class Codes: H04M 2203/301 Management of recordings
• CPC Class Codes: H04M 3/42221 Conversation recording systems at the subscriber's set H04M1/656
• CPC Class Codes: H04M 3/5175 Call or contact centers supervision arrangements

Abstract

Embodiments of techniques or systems for fraud detection are provided herein. A communication may be received where the communication includes one or more voice signals from an individual. Frequency responses associated with these voice signals may be determined and analyzed and utilized to determine whether or not potential fraudulent activity is occurring. For example, if a frequency response is greater than a frequency threshold, potential fraudulent activity may be determined. Further, frequency responses may be cross referenced with voice biometrics, voice printing, or fraud pathway detection results. In this way, voice stress or frequency responses may be utilized to build other databases related to other types of fraud detection, thereby enhancing one or more aspects of fraud detection. For example, a database may include a voice library, a pathway library, or a frequency library which include characteristics associated with fraudulent activity, thereby facilitating identification of such activity.

Claims

1. A system for fraud detection, comprising:

a monitoring component;

recording a communication, wherein the communication comprises one or more segments of one or more voice signals associated with an individual; and

identifying one or more of the segments of the communication; and

an analysis component;

determining one or more frequency responses for one or more of the corresponding segments of the communication; and

analyzing one or more of the frequency responses for one or more of the segments of the communication;

wherein the monitoring component or the analysis component is implemented via a processing unit.

2. The system of claim 1, wherein the communication comprises a salutation segment, a verification segment, a conversation segment, or a summary segment.

3. The system of claim 2, wherein the salutation segment comprises an introduction, a customary greeting, or identification.

4. The system of claim 2, wherein the verification segment comprises one or more security questions, one or more test questions, or one or more stress questions.

5. The system of claim 2, wherein the conversation segment comprises one or more requests associated with an account.

6. The system of claim 1, wherein the communication is implemented across a voice over internet protocol (VoIP) channel.

7. The system of claim 1, wherein the analysis component compares two or more of the frequency responses for two or more of the segments of the communication.

8. The system of claim 7, wherein the analysis component compares two or more of the frequency responses based on a delta frequency threshold.

9. The system of claim 1, wherein the analysis component analyzes one or more of the frequency responses based on voice stress analysis (VSA).

10. The system of claim 1, wherein the communication comprises one or more segments of one or more additional voice signals associated with a second individual.

11. A method for fraud detection, comprising:

recording a communication, wherein the communication comprises one or more segments having one or more voice signals associated with an individual;

identifying one or more of the segments of the communication;

determining one or more frequency responses for one or more of the corresponding segments of the communication; and

analyzing one or more of the frequency responses for one or more of the segments of the communication,

wherein the recording, the identifying, the determining, or the analyzing is implemented via a processing unit.

12. The method of claim 11, comprising comparing two or more of the frequency responses for two or more of the segments of the communication.

13. The method of claim 12, wherein comparing two or more of the frequency responses is based on a delta frequency threshold.

14. The method of claim 11, analyzing one or more of the frequency responses based on voice stress analysis (VSA).

15. The method of claim 11, wherein the communication comprises one or more segments of one or more additional voice signals associated with a second individual.

16. The method of claim 11, wherein the recorded communication is a telecommunication in which the individual is a participant.

17. A computer-readable storage medium comprising computer-executable instructions, which when executed via a processing unit on a computer performs acts, comprising:

recording a communication, wherein the communication comprises one or more segments having one or more voice signals associated with an individual;

identifying one or more of the segments of the communication;

determining one or more frequency responses for one or more of the corresponding segments of the communication; and

analyzing one or more of the frequency responses for one or more of the segments of the communication.

18. The computer-readable storage medium of claim 17, comprising comparing two or more of the frequency responses for two or more of the segments of the communication.

19. The computer-readable storage medium of claim 17, comprising analyzing one or more of the frequency responses based on voice stress analysis (VSA).

20. The computer-readable storage medium of claim 17, wherein the recorded communication is a telecommunication in which the individual is a participant.