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

Abstract

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.

1 . A method for generating fraud risk scores representing fraud risks associated with an individual, the method comprising:
 obtaining a voice sample from audio channel data associated with an individual;   matching the voice sample with at least one of a plurality of stored voice samples stored in a database to perform a first identification of the individual;   calculating an audio channel fraud risk score from the audio channel data of the individual, the audio channel fraud risk score being calculated by a computer processor coupled to a memory that includes a telephony risk score calculator;   obtaining identity data from non-audio channel data associated with the individual, the identity data being used to perform a second identification of the individual;   calculating a non-audio channel fraud risk score from the non-audio channel data of the individual the non-audio channel fraud risk score being 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 being generated by an aggregate risk score generator included in the computer processor coupled to the memory.   
     
     
         2 . The method of  claim 1 , wherein the audio channel data comprises at least one of an emotion in the obtained voice sample of the individual when the individual responded to specific questions designed to trigger stress in fraudsters but not in legitimate callers, the obtained voice sample of the individual, keywords in the obtained voice sample, a telephony system used by the individual, and a geographic location of the individual. 
     
     
         3 . The method of  claim 2 , wherein the telephony system comprises one of a Public Switched Telephone Network, a mobile phone, and Voice Over Internet Protocol network. 
     
     
         4 . The method of  claim 1 , wherein the non-audio channel data comprises at least one of a phone number called from, a phone number called to, a time duration for which the individual has had the phone number, a call frequency to/from the phone number called from, the area code of the phone number called from, a number of routing hops needed to complete the call, geography associated with an area code of the phone number called from, geographical location of the individual, whether the individual called from an expected phone number or a non-published n umber, whether the phone number is being call-forwarded and when that call-forward was initiated, the identity data, transaction data, and Short Message Service channel data. 
     
     
         5 . The method of  claim 4 , wherein the identity data comprises at least one of a name of the individual, a Social Security Number of the individual, an address of the individual, a phone number from which the individual called, and in formation related to background of the individual. 
     
     
         6 . The method of  claim 5 , wherein the information related to the background of the individual includes at least one of previous addresses lived at, persons that the individual shared a residence with, mother's maiden name and a color of a first car. 
     
     
         7 . A risk score calculator for generating fraud risk scores representing fraud risks associated with an individual, the calculator comprising:
 a hardware processor; and   a memory coupled to the processor, the memory storing instructions which when executed by the processor cause the system to:
 obtain a voice sample from audio channel data associated with an individual; 
 match the voice sample with at least one of a plurality of stored voice samples stored in a database to perform a first identification of the individual 
 calculate an audio channel fraud risk score from the audio channel data of the individual; 
 obtain identity data from non-audio channel data associated with the individual, the identity data being used to perform a second identification of the individual 
 calculate a non-audio channel risk score from the non-audio channel data of the individual; and 
 generate an aggregate fraud risk score based on the audio channel fraud risk score and the non-audio channel fraud risk score. 
   
     
     
         8 . The risk score calculator of  claim 7 , wherein the audio channel data comprises at least one of an emotion in the obtained voice sample of the individual when the individual responded to specific questions designed to trigger stress in fraudsters but not in legitimate callers, the obtained voice sample of the individual, keywords in the obtained voice sample, a telephony system used by the individual, and a geographic location of the individual. 
     
     
         9 . The risk score calculator of  claim 8 , wherein the telephony system comprises one of a Public Switched Telephone Network, a mobile phone, and Voice Over Internet Protocol network. 
     
     
         10 . The risk score calculator of  claim 7 , wherein the non-audio channel data comprises at least one of a phone number called from, a phone number called to, a time duration for which the individual has had the phone number, a call frequency to/from the phone number called from, the area code or the phone number called from, a number of routing hops needed to complete the call, geography associated with an area code of the phone number called from, geographical location of the individual, whether the individual called from an expected phone number or a non-published number, whether the phone number is being call-forwarded and when that call-forward was initiated, the identity data, transaction data, and Short Message Service channel data. 
     
     
         11 . The risk score calculator or  claim 10 , wherein the identity data comprises at least one or a name of the individual, a Social Security Number of the individual, an address or the individual, a phone number from which the individual called, and information related to background of the individual. 
     
     
         12 . The risk score calculator of  claim 12 , wherein the information related to the background of the individual includes at least one of previous addresses lived at, persons that the individual shared a residence with, mother's maiden name, and a color of a first car. 
     
     
         13 . A non-transitory computer readable medium containing a computer program product for generating fraud risk scores representing fraud risks associated with an individual, the computer program product comprising:
 program code for obtaining a voice sample from audio channel data associated with an individual;   program code for matching the voice sample with at least one of a plurality of stored voice samples stored in a database to perform a first identification of the individual;   program code for calculating audio channel fraud risk score from the audio channel data of the individual;   program code for obtaining identity data from non-audio channel data associated with, the individual the identity data being used to perform a second identification of the individual;   program code for calculating a non-audio channel fraud risk score from the non-audio channel data of the individual, the non-audio channel fraud risk score being calculated by the telephony risk score calculator;   program code for generating an aggregate fraud risk score based the audio channel fraud risk score and the non-audio channel fraud risk score.   
     
     
         14 . The computer program product or  claim 13 , wherein the audio channel data comprises at least one of an emotion in the obtained voice sample of the individual when the individual responded to specific questions designed to trigger stress in fraudsters but not in legitimate callers, the obtained voice sample of the individual, keywords in the obtained voice sample, a telephony system used by the individual, and a geographic location of the individual. 
     
     
         15 . The computer program product of  claim 14 , wherein the telephony system comprises one of a Public Switched Telephone Network, a mobile phone, and Voice Over Internet Protocol network. 
     
     
         16 . The computer program product of  claim 13 , wherein the non-audio channel data comprises at least one of a phone number called from, a phone number called to, a time duration for which the individual has had the phone number, a call frequency to/from the phone number called from, the area code of the phone number called from, a number of routing hops needed to complete the call, geography associated with an area code of the phone number called from, geographical location of the individual, whether the individual called from an expected phone number or a non-published number, whether the phone number is being call-forwarded and when that call-forward was initiated, the identity data, transaction data, and Short Message Service channel data. 
     
     
         17 . The computer program product of  claim 16 , wherein the identity data comprises at least one of a name of the individual, a Social Security Number of the individual, an address of the individual, a phone number from which the individual called, and information related to background of the individual. 
     
     
         18 . The computer program product of  claim 17 , wherein the information related to the background of the individual includes at least one of previous addresses lived at, persons that the individual shared a residence with, mother's maiden name, and a color of a first car.