Enhanced fraud detection
First Claim
1. A system for fraud detection, comprising:
- a processor that executes the following computer executable components stored in a memory;
a database component comprising a voice library that includes respective voice samples of individuals deemed to be fraudsters;
a monitoring component that;
identifies respective segments of a communication as one of a salutation segment, a verification segment, a conversation segment, or a summary segment,isolates voice signals from segments of the respective segments of the communication, anddetermines a voice match based on a comparison between the voice signals from the segments of the communication and the respective voice samples of the voice library;
an analysis component that analyzes one or more frequency responses of the voice signals from the segments of the communication to generate a frequency determination, wherein the frequency determination indicates non-stress based on a frequency of the communication being within a frequency range provided by a frequency library and indicates stress based on the frequency being outside the frequency range; and
a fraud component that identifies potential fraudulent activity based on a stress to non-stress ratio for the segments exceeding a pre-determined threshold.
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Accused Products
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.
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Citations
20 Claims
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1. A system for fraud detection, comprising:
a processor that executes the following computer executable components stored in a memory; a database component comprising a voice library that includes respective voice samples of individuals deemed to be fraudsters; a monitoring component that; identifies respective segments of a communication as one of a salutation segment, a verification segment, a conversation segment, or a summary segment, isolates voice signals from segments of the respective segments of the communication, and determines a voice match based on a comparison between the voice signals from the segments of the communication and the respective voice samples of the voice library; an analysis component that analyzes one or more frequency responses of the voice signals from the segments of the communication to generate a frequency determination, wherein the frequency determination indicates non-stress based on a frequency of the communication being within a frequency range provided by a frequency library and indicates stress based on the frequency being outside the frequency range; and a fraud component that identifies potential fraudulent activity based on a stress to non-stress ratio for the segments exceeding a pre-determined threshold. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A system for fraud detection, comprising:
a processing unit that executes the following computer executable components stored in a memory; a database component comprising a pathway library that includes sets of characteristics determined to be associated with fraudulent communication; a monitoring component that; identifies one or more segments of a communication as a salutation segment, a verification segment, a conversation segment, or a summary segment, and isolates one or more voice signals from one or more of the segments of the communication; a detection component that; determines one or more characteristics associated with the communication, and compares the one or more characteristics associated with the communication with the sets of characteristics of the pathway library to generate a pathway match determination; an analysis component that analyzes respective frequency responses of the one or more voice signals from the one or more segments of the communication to generate a frequency determination, wherein the frequency determination indicates non-stress based on a frequency response being within a frequency range provided by a frequency library and indicates stress based on the frequency response being outside the frequency range; and a fraud component that identifies potential fraudulent activity based on a determination that a stress to non-stress ratio is above a pre-determined threshold. - View Dependent Claims (12, 13, 14, 15, 16)
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17. A system for fraud detection, comprising:
a processing unit that executes the following computer executable components stored in a memory; a database component comprising; a voice library comprising voice samples of individuals previously determined to be fraudsters; and a pathway library comprising one or more sets of characteristics deemed to be associated with fraudulent communication; a monitoring component that; isolates voice signals from segments of a communication, wherein the segments include at least one of a salutation segment, a verification segment, a conversation segment, and a summary segment; and compares the voice signals from the segments with the voice samples in the voice library to generate a voice match determination; a detection component that compares characteristics associated with the communication with the one or more sets of characteristics of the pathway library to generate a pathway match determination; an analysis component that analyzes one or more respective frequency responses of the voice signals to generate a frequency determination that indicates respective stress to non-stress ratios for the segments; and a fraud component that identifies potential fraudulent activity based on the respective stress to non-stress ratios exceeding a stress threshold. - View Dependent Claims (18, 19, 20)
Specification