System and method for detecting fraud in prepaid accounts
First Claim
1. A system for detecting fraud in a prepaid system, said fraud detecting system comprising:
- an interface to said prepaid system, wherein said prepaid system accounts for subscriber account credits and subscriber account debits to thereby determine a subscriber prepaid balance for use in operating said prepaid system, wherein said prepaid system interface accepts prepaid account credit information from said prepaid system;
an interface to a service system, wherein said service system interface accepts information with respect to services provided; and
control logic utilizing said prepaid account credit information accepted through said prepaid system interface and said information with respect to services provided accepted through said service system interface to thereby determine a fraud detection subscriber account balance, wherein said control logic utilizes said fraud detection subscriber account balance to determine a fraud condition in an associated subscriber account independent of said determination of said subscriber prepaid balance by said prepaid system.
3 Assignments
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Accused Products
Abstract
The invention provides systems and methods providing independent determinations of services provided to be utilized in detection of fraud. According to a preferred embodiment, a call data record server is provided in communication with a prepaid calling system such that account refill/credit information is provided to the call data record server. The call data record server is also preferably in communication with systems providing subscriber services, such as a cellular service network, such that data regarding services utilized are provided to the call data record server. Using the refill/credit data and raw subscriber service data preferred embodiments of the present invention may independently determine prepaid services utilized by subscribers. Fraud may be detected from these independent determinations of the preferred embodiment by comparing a determined account balance to a selected threshold value and/or by comparing the determined account balance to that of the prepaid calling system.
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Citations
70 Claims
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1. A system for detecting fraud in a prepaid system, said fraud detecting system comprising:
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an interface to said prepaid system, wherein said prepaid system accounts for subscriber account credits and subscriber account debits to thereby determine a subscriber prepaid balance for use in operating said prepaid system, wherein said prepaid system interface accepts prepaid account credit information from said prepaid system; an interface to a service system, wherein said service system interface accepts information with respect to services provided; and control logic utilizing said prepaid account credit information accepted through said prepaid system interface and said information with respect to services provided accepted through said service system interface to thereby determine a fraud detection subscriber account balance, wherein said control logic utilizes said fraud detection subscriber account balance to determine a fraud condition in an associated subscriber account independent of said determination of said subscriber prepaid balance by said prepaid system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26)
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27. A method for detecting fraudulent use of a service network associated with a prepaid system, said method comprising:
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interfacing a fraud detection system to said prepaid system, wherein said prepaid system accounts for subscriber account credits and subscriber account debits to thereby determine a subscriber prepaid balance for use of said service network; interfacing said fraud detection system to said service network, wherein said service network provides communication of subscriber information and generates transaction information associated with communication of said subscriber information; accepting prepaid account credit information from said prepaid system at said fraud detection system; accepting transaction information from said service network at said fraud detection system; determining a service value using said accepted transaction information; and determining a fraud condition in an associated subscriber account as a function of said accepted prepaid account credit information and said service value determined. - View Dependent Claims (28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61)
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62. A method for detecting fraudulent use of a telephone network, said method comprising:
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interfacing a prepaid calling system with said telephone network, wherein said prepaid calling system interacts with subscribers to provide credits to an associated subscriber prepaid account and said prepaid calling system interacts with said telephone network to debit subscriber prepaid accounts corresponding to subscriber use of said telephone network to thereby determine subscriber prepaid account balances; selecting a fraud threshold value for use by a call data record server; interfacing said call data record server to said prepaid calling system; interfacing said call data record server to said telephone network; accepting prepaid account credit information from said prepaid calling system at said call data record server, wherein said prepaid account information is accepted by said call data record server substantially at the completion of interaction between said prepaid calling system and said subscriber; accepting subscriber call information from said telephone network at said call data record server, wherein said subscriber call information is accepted by said call data record server substantially at the completion of an associated call; determining a value of a subscriber call using said accepted subscriber call information; determining a call data server subscriber account balance using said determined subscriber call value and said accepted prepaid account credit information; comparing said determined call data server subscriber account balance to said threshold value; and determining if an unacceptable level of fraud is associated with a particular subscriber prepaid account as a function of said comparison. - View Dependent Claims (63, 64, 65, 66, 67, 68, 69, 70)
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Specification