Systems and methods of sound-based fraud protection
First Claim
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1. A computer-implemented method of fraud protection for a computer-accessible account, comprising:
- monitoring, by a listening device, ambient sound;
detecting, by the listening device, one or more triggering sound patterns from the ambient sound, the one or more triggering sound patterns including sound indicative of an initiation of an interaction between an initiator and a recipient;
in response to detecting the one or more triggering sound patterns, transmitting, by the listening device, to a server in communication with the listening device, the one or more triggering sound patterns and a recording of the recipient'"'"'s voice obtained by the listening device after the detecting,and wherein the server is configured to;
determine a correlation between the one or more triggering sound patterns and at least one portion of speech from the recorded recipient'"'"'s voice;
detect a difference in a speech pattern model of the recipient from the recorded recipient'"'"'s voice, including determining that a speech pattern of the recipient is different from the speech pattern model of the recipient, the speech pattern model being based on one or more speech samples of the recipient;
calculate a confidence level of fraud being attempted against the recipient based on the determined correlation and the detected difference; and
generate and transmit an alert in response to determining that the confidence level of fraud is greater than a threshold value.
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Abstract
The present disclosure describes systems and methods of fraud protection. A listening device may monitor ambient sound and detect one or more triggering sound patterns. The listening device may record the one or more triggering sound patterns and record a person'"'"'s voice, and send the recordings to a server, wherein the server is configured to calculate a confidence level of fraud based on the one or more triggering sound patterns and the recording of the person'"'"'s voice using a speech pattern model of the person, and to output an alert if the confidence level of fraud is greater than a threshold value.
29 Citations
20 Claims
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1. A computer-implemented method of fraud protection for a computer-accessible account, comprising:
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monitoring, by a listening device, ambient sound; detecting, by the listening device, one or more triggering sound patterns from the ambient sound, the one or more triggering sound patterns including sound indicative of an initiation of an interaction between an initiator and a recipient; in response to detecting the one or more triggering sound patterns, transmitting, by the listening device, to a server in communication with the listening device, the one or more triggering sound patterns and a recording of the recipient'"'"'s voice obtained by the listening device after the detecting, and wherein the server is configured to; determine a correlation between the one or more triggering sound patterns and at least one portion of speech from the recorded recipient'"'"'s voice; detect a difference in a speech pattern model of the recipient from the recorded recipient'"'"'s voice, including determining that a speech pattern of the recipient is different from the speech pattern model of the recipient, the speech pattern model being based on one or more speech samples of the recipient; calculate a confidence level of fraud being attempted against the recipient based on the determined correlation and the detected difference; and generate and transmit an alert in response to determining that the confidence level of fraud is greater than a threshold value. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A computer-implemented method of fraud protection for a computer-accessible account, comprising:
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receiving, by a server, one or more speech samples associated with a person; generating a speech pattern model of the person based on extracting a person'"'"'s speech from the one or more speech samples; storing the speech pattern model of the person; receiving one or more triggering sound patterns and a recording of the person'"'"'s voice obtained by a listening device, the one or more triggering sound patterns including sound indicative of an initiation of an interaction between an initiator and a recipient; determining, a correlation between the one or more triggering sound patterns and at least one portion of speech from the person'"'"'s voice, thereby identifying the person as the recipient; detecting a difference in the speech pattern model from the recorded recipient'"'"'s voice, including determining that a speech pattern of the recipient is different from the speech pattern model of the recipient; determining a confidence level of fraud being attempted against the recipient from the determined correlation between the one or more triggering sound patterns and the recording of the recipient'"'"'s voice and the detected difference; and generating and transmitting an alert in response to determining that the confidence level of fraud is greater than a threshold value. - View Dependent Claims (8, 9, 10, 11, 12, 13)
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14. A system of fraud protection for a computer-accessible account, comprising:
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one or more microphones configured to monitor ambient sound and detect one or more triggering sound patterns from the ambient sound, the one or more triggering sound patterns including sound indicative of an initiation of an interaction between an initiator and a recipient; and a processor circuit coupled to the one or more microphones and configured to execute instructions causing the processor to; in response to the one or more microphones detecting the one or more triggering sound patterns, transmit, to a server in communication with the listening device, the one or more triggering sound patterns and a recording of the recipient'"'"'s voice obtained by the one or more microphones after the detecting; and wherein the server is configured to; determine a correlation between the one or more triggering sound patterns and the recording of the recipient'"'"'s voice; determine a speech pattern of the person from the recorded recipient'"'"'s voice; determine a correlation between the one or more triggering sound patterns and at least one portion of speech from the recorded recipient'"'"'s voice; detect a difference in a speech pattern model of the recipient from the recorded recipient'"'"'s voice, including determining that the speech pattern of the recipient is different from the speech pattern model of the recipient, the speech pattern model being based on one or more speech samples of the recipient; calculate a confidence level of fraud being attempted against the recipient based on the determined correlation and the detected difference; and generate and transmit an alert in response to determining that the confidence level of fraud is greater than a threshold value. - View Dependent Claims (15, 16, 17, 18, 19, 20)
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Specification