US 11,115,521 B2Granted

Systems and methods for authentication and fraud detection

AssigneeVerint Americas Inc.

InventorsJeremy Robert Roderick, Brian Patrick Carman, David Warren Singer, Daniel Thomas Spohrer, Damian Smith, Tim McCurry

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Abstract

Systems and methods are provided to stop both external and internal fraud, ensure correct actions are being followed, and information is available to fraud teams for investigation. The system includes components that can address: 1) behavioral analytics (ANI reputation, IVR behavior, account activity)—this gives a risk assessment event before a call gets to an agent; 2) fraud detection—the ability to identify, in real time, if a caller is part of a fraudster cohort′ and alert the agent and escalate to the fraud team; 3) identity authentication—the ability to identify through natural language if the caller is who they say they are; and 4) two factor authentication—the ability to send a text message to the caller and automatically process the response and create a case in the event of suspected fraud.

Claims17

Dependent claims

A system for authenticating calls and for preventing fraud comprising:

one or more processors;
a memory communicably coupled to the one or more processors and storing:
an analysis module including instructions that when executed by the one or more processors cause the one or more processors to:
receive a call through a first channel, wherein the call is associated with a customer and a speaker;
based on one or more characteristics of the received call, the customer, or the channel, assign a score to the call;
determine if the score satisfies a threshold;
and
if the score does not satisfy the threshold, flag the call as a fraudulent call;
a biometrics module including instructions that when executed by the one or more processors cause the one or more processors to:
analyze voice data associated with the call to determine whether the speaker is a fraudulent speaker;
and
if the speaker is a fraudulent speaker, flag the call as a fraudulent call;
and
an authentication module including instructions that when executed by the one or more processors cause the one or more processors to:
determine that no voiceprints are associated with the customer;
and
in response to the determination that no voiceprints are associated with the customer:
generate a first code;
retrieve a profile associated with the customer;
send the first code to the customer through a second channel indicated by the profile associated with the customer;
receive a second code through the first channel;
determine if the first code matches the second code;
and
if it is determined that the first code matches the second code, flag the call as an authenticated call.

21 more elements

Dependencies are inferred from the claim text.

Facts

Application: 16/905,111Filed 18 Jun 2020 · us provisional application
Priority: 20 Jun 2019
Published: US 2020/0404094 A124 Dec 2020
Granted: 7 Sep 2021
Term ends: Not estimatedThe source records don’t support an estimate.

Classification23 codes

H04L 63/0861
For authentication of entities: using biometrical features, e.g. fingerprint, retina-scan
H04M 3/2281
Arrangements for supervision, monitoring or testing: call monitoring, e.g. for law enforcement purposes; Call tracing; Detection or prevention of…
G10L 17/04
Speaker identification or verification techniques: training, enrolment or model building
G10L 17/06
Speaker identification or verification techniques: decision making techniques; Pattern matching strategies