Dynamic account risk assessment from heterogeneous events

    公开(公告)号:US12174964B2

    公开(公告)日:2024-12-24

    申请号:US17159748

    申请日:2021-01-27

    Abstract: Embodiments described herein provide for performing a risk assessment. A computer identifies and stores heterogeneous events between a user and a provider system in which the user interacts with an account. The computer may store the heterogeneous events in a table. The stored event information normalizes the events associated with an account. The computer may determine static risk contributions associated with the event information of the account and store the static risk contributions in the table. The computer groups the static risk contributions into predetermined groups. The static risk contributions in each group are converted into dynamic risk contributions. The dynamic risk contributions of each group are aggregated, and the aggregate value of the dynamic risk contributions are fed to a machine learning model. The machine learning model determines a risk score associated with the account.

    DEEPFAKE DETECTION
    16.
    发明公开
    DEEPFAKE DETECTION 审中-公开

    公开(公告)号:US20240363103A1

    公开(公告)日:2024-10-31

    申请号:US18388412

    申请日:2023-11-09

    CPC classification number: G10L15/08

    Abstract: Disclosed are systems and methods including software processes executed by a server that detect audio-based synthetic speech (“deepfakes”) in a call conversation. The server applies an NLP engine to transcribe call audio and analyze the text for anomalous patterns to detect synthetic speech. Additionally or alternatively, the server executes a voice “liveness” detection system for detecting machine speech, such as synthetic speech or replayed speech. The system performs phrase repetition detection, background change detection, and passive voice liveness detection in call audio signals to detect liveness of a speech utterance. An automated model update module allows the liveness detection model to adapt to new types of presentation attacks, based on the human provided feedback.

    DEEPFAKE DETECTION
    17.
    发明公开
    DEEPFAKE DETECTION 审中-公开

    公开(公告)号:US20240355322A1

    公开(公告)日:2024-10-24

    申请号:US18388428

    申请日:2023-11-09

    CPC classification number: G10L15/08 G06N20/00

    Abstract: Disclosed are systems and methods including software processes executed by a server that detect audio-based synthetic speech (“deepfakes”) in a call conversation. The server applies an NLP engine to transcribe call audio and analyze the text for anomalous patterns to detect synthetic speech. Additionally or alternatively, the server executes a voice “liveness” detection system for detecting machine speech, such as synthetic speech or replayed speech. The system performs phrase repetition detection, background change detection, and passive voice liveness detection in call audio signals to detect liveness of a speech utterance. An automated model update module allows the liveness detection model to adapt to new types of presentation attacks, based on the human provided feedback.

    CARRIER SIGNALING BASED AUTHENTICATION AND FRAUD DETECTION

    公开(公告)号:US20240022662A1

    公开(公告)日:2024-01-18

    申请号:US18221802

    申请日:2023-07-13

    CPC classification number: H04M3/42357 H04M3/51 H04M2203/6027

    Abstract: Disclosed are systems and methods including computing-processes, which may include layers of machine-learning architectures, for assessing risk for calls directed to call center systems using carrier signaling metadata. A computer evaluates carrier signaling metadata to perform various new risk-scoring techniques to determine riskiness of calls and authenticate calls. When determining a risk score for an incoming call is received at a call center system, the computer may obtain certain metadata values from inbound metadata, prior call metadata, or from third-party telecommunications services and executes processes for determining the risk score for the call. The risk score operations include several scoring components, including appliance print scoring, carrier detection scoring, ANI location detection scoring, location similarity scoring, and JIP-ANI location similarity scoring, among others.

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