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

摘要

Disclosed is a method for generating a fraud risk score representing a fraud risk associated with an individual, the method comprising: a) determining a telephony channel risk score from at least one of audio channel data and non-audio channel data of the individual; and b) generating the fraud risk score based on at least one of the telephony channel risk score, the audio channel data, and the non-audio channel data.

主权项

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.