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 monitoring component that;
generates a voice match determination based on identification of at least two segments of a communication, wherein segments of the at least two segments comprise respective voice signals associated with an individual, andassigns a confidence level to the voice match determination, the confidence level indicates a likelihood that the individual is a fraudster;
an analysis component that;
analyzes respective frequency responses for each segment of the at least two segments, andassigns a frequency response confidence level based on a determination that the respective frequency responses indicate the individual is the fraudster and based on consideration of a false positive caused by external influences; and
a fraud component that determines fraud is occurring based on the confidence level of the voice match determination and the frequency response confidence level.
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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
16 Claims
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1. A system for fraud detection, comprising:
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a processor that executes the following computer executable components stored in a memory; a monitoring component that; generates a voice match determination based on identification of at least two segments of a communication, wherein segments of the at least two segments comprise respective voice signals associated with an individual, and assigns a confidence level to the voice match determination, the confidence level indicates a likelihood that the individual is a fraudster;
an analysis component that;analyzes respective frequency responses for each segment of the at least two segments, and assigns a frequency response confidence level based on a determination that the respective frequency responses indicate the individual is the fraudster and based on consideration of a false positive caused by external influences; and
a fraud component that determines fraud is occurring based on the confidence level of the voice match determination and the frequency response confidence level. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method for fraud detection, comprising:
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receiving, by a system comprising a processing unit, a communication that includes at least two segments, wherein segments of the at least two segments comprise respective voice signals associated with an individual; determining, by the system, a voice match based on a comparison of the respective voice signals and at least one voice signal included in a voice library; assigning, by the system, a confidence level to the voice match, the confidence level is based on a likelihood that the individual is a fraudster; determining, by the system, respective frequency responses for the segments of the at least two segments; assigning, by the system, a frequency response confidence level to the communication based on a determination that the respective frequency responses identify the individual as a fraudster and based on consideration of a false positive caused by external influences; determining, by the system, that fraud is occurring based on the confidence level of the voice match and the frequency response confidence level; and outputting, by the system, a fraud notification to another individual participating in the communication during a duration of the communication. - View Dependent Claims (12, 13, 14)
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15. A computer-readable storage device storing executable instructions that, in response to execution, cause a system comprising a processor to perform operations, comprising:
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recording a communication, wherein the communication comprises a set of segments, wherein segments of the set of segments comprise respective voice signals associated with an individual; controlling a flow of the communication based on an order of the segments comprising introducing a segment expected to produce a stress response from the individual prior to introducing another segment expected to produce a normal response from the individual; determining the respective voice signals are associated with an occurrence of fraud based on a comparison between the respective voice signals and voice samples included in a database; assigning a first confidence level to the communication based on the determining; determining respective frequency responses for segments of the set of segments; analyzing the respective frequency responses for one or more of the segments of the communication; assigning a second confidence level to the communication based on the analyzing; and determining the individual is attempting fraud based on the first confidence level and the second confidence level exceeding respective threshold levels. - View Dependent Claims (16)
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Specification