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Method and system for generating a fraud risk score using telephony channel based audio and non-audio data

  • US 8,930,261 B2
  • Filed: 08/13/2010
  • Issued: 01/06/2015
  • Est. Priority Date: 04/21/2005
  • Status: Active Grant
First Claim
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1. A method for generating fraud risk scores representing fraud risks associated with an individual, the method comprising:

  • determining calculating an audio channel fraud risk score from audio channel data of the individual comprising at least one of an emotion or stress extracted from an audio signal representing 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, and keywords extracted from the audio signal of the voice sample, the audio channel fraud risk score calculated by a computer processor coupled to a memory and including a telephony risk score calculator;

    determining calculating a non-audio channel fraud risk score from non-audio channel data of the individual, the non-audio channel data comprising at least one of a type of telephony system used by the individual and a geographic location of the individual, the non-audio channel fraud risk score calculated by the telephony risk score calculator; and

    generating an aggregate fraud risk score based on the audio channel fraud risk score and the non-audio channel fraud risk score, the aggregate fraud risk score generated by an aggregate risk score generator included in the computer processor coupled to a memory.

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