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1. 发明授权

US10148649B2 Automated scalable identity-proofing and authentication process 有权
公开(公告)号：US10148649B2
公开(公告)日：2018-12-04
申请号：US15587870
申请日：2017-05-05
申请人： Anthony Rajakumar
发明人： Anthony Rajakumar
IPC分类号： H04L29/06 , G06K9/00 , H04N21/4415 , H04N21/4627 , H04L29/12 , H04N21/414
摘要： An automated process is disclosed for improving the functionality of computer systems and electronic commerce in user identity-proofing. Steps include verifying that a user who is electronically seeking identity proofing is on an electronic directory of persons eligible for such identity proofing; creating an attest list for the user that includes associates who can vouch for his or her identity; collecting a video or other data from the user; sending the video or data to the associates and asking them for a confirmation or a disavowal of the identity of the user; deriving a biometric from the video or data upon receiving the confirmation; and saving the biometric as an identify-proofed biometric.

2. 发明授权

US08930261B2 Method and system for generating a fraud risk score using telephony channel based audio and non-audio data 有权
标题翻译：使用基于电话通道的音频和非音频数据产生欺诈风险评分的方法和系统
公开(公告)号：US08930261B2
公开(公告)日：2015-01-06
申请号：US12856118
申请日：2010-08-13
申请人： David Hartig , Anthony Rajakumar , Lisa Marie Guerra , Richard Gutierrez
发明人： David Hartig , Anthony Rajakumar , Lisa Marie Guerra , Richard Gutierrez
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4016 , G06Q20/24 , G06Q20/305 , G06Q20/40 , G06Q20/4014 , G06Q20/40145 , H04M15/00 , H04M15/47 , H04M2215/0148
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.
摘要翻译：公开了一种用于产生代表与个人相关联的欺诈风险的欺诈风险评分的方法，所述方法包括：a）从个人的音频频道数据和非音频频道数据中的至少一个确定电话信道风险评分; 以及b）基于电话通道风险评分，音频通道数据和非音频通道数据中的至少一个来生成欺诈风险评分。

3. 发明申请

US20120253805A1 SYSTEMS, METHODS, AND MEDIA FOR DETERMINING FRAUD RISK FROM AUDIO SIGNALS 审中-公开
标题翻译：用于确定音频信号中风险的系统，方法和媒体
公开(公告)号：US20120253805A1
公开(公告)日：2012-10-04
申请号：US13415809
申请日：2012-03-08
申请人： Anthony Rajakumar , Torsten Zeppenfeld , Lisa Guerra , Vipul Vyas
发明人： Anthony Rajakumar , Torsten Zeppenfeld , Lisa Guerra , Vipul Vyas
IPC分类号： G10L15/00
CPC分类号： G10L17/06 , G06Q20/4016 , G10L17/00 , G10L17/02 , G10L17/04 , G10L17/26 , G10L25/48 , H04M15/47 , H04W12/12 , H04W12/1206
摘要： Systems, methods, and media for determining fraud risk from audio signals and non-audio data are provided herein. Some exemplary methods include receiving an audio signal and an associated audio signal identifier, receiving a fraud event identifier associated with a fraud event, determining a speaker model based on the received audio signal, determining a channel model based on a path of the received audio signal, using a server system, updating a fraudster channel database to include the determined channel model based on a comparison of the audio signal identifier and the fraud event identified, and updating a fraudster voice database to include the determined speaker model based on a comparison of the audio signal identifier and the fraud event identifier.
摘要翻译：本文提供了用于从音频信号和非音频数据确定欺诈风险的系统，方法和媒体。一些示例性方法包括接收音频信号和相关联的音频信号标识符，接收与欺诈事件相关联的欺诈事件标识符，基于接收的音频信号确定说话者模型，基于所接收的音频信号的路径确定信道模型使用服务器系统，基于所识别的音频信号标识符和所述欺诈事件的比较，更新欺诈者频道数据库以包括所确定的频道模型，并且更新欺诈者语音数据库以包括所确定的说话者模型，音频信号标识符和欺诈事件标识符。

4. 发明申请

US20100303211A1 METHOD AND SYSTEM FOR GENERATING A FRAUD RISK SCORE USING TELEPHONY CHANNEL BASED AUDIO AND NON-AUDIO DATA 有权
标题翻译：使用基于电视频道的音频和非音频数据产生风险风险的方法和系统
公开(公告)号：US20100303211A1
公开(公告)日：2010-12-02
申请号：US12856118
申请日：2010-08-13
申请人： David Hartig , Anthony Rajakumar , Lisa Marie Guerra , Richard Gutierrez
发明人： David Hartig , Anthony Rajakumar , Lisa Marie Guerra , Richard Gutierrez
IPC分类号： H04M3/22
CPC分类号： G06Q20/4016 , G06Q20/24 , G06Q20/305 , G06Q20/40 , G06Q20/4014 , G06Q20/40145 , H04M15/00 , H04M15/47 , H04M2215/0148
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.
摘要翻译：公开了一种用于生成表示与个人相关联的欺诈风险的欺诈风险评分的方法，所述方法包括：a）从个人的音频频道数据和非音频频道数据中的至少一个确定电话信道风险评分; 以及b）基于电话通道风险评分，音频通道数据和非音频通道数据中的至少一个来生成欺诈风险评分。

5. 发明申请

US20120254243A1 SYSTEMS, METHODS, AND MEDIA FOR GENERATING HIERARCHICAL FUSED RISK SCORES 有权
标题翻译：用于产生分层融合风险标准的系统，方法和媒体
公开(公告)号：US20120254243A1
公开(公告)日：2012-10-04
申请号：US13415816
申请日：2012-03-08
申请人： Torsten Zeppenfeld , N. Nikki Mirghafori , Lisa Guerra , Richard Gutierrez , Anthony Rajakumar
发明人： Torsten Zeppenfeld , N. Nikki Mirghafori , Lisa Guerra , Richard Gutierrez , Anthony Rajakumar
IPC分类号： G06F17/30
CPC分类号： G10L17/06 , G06Q20/4016 , G10L17/00 , G10L17/02 , G10L17/04 , G10L17/26 , G10L25/48 , H04M15/47 , H04W12/12
摘要： Systems, methods, and media for generating fused risk scores for determining fraud in call data are provided herein. Some exemplary methods include generating a fused risk score used to determine fraud from call data by generating a fused risk score for a leg of call data, via a fuser module of an analysis system, the fused risk score being generated by fusing together two or more uniquely calculated fraud risk scores, each of the uniquely calculated fraud risk scores being generated by a sub-module of the analysis system; and storing the fused risk score in a storage device that is communicatively couplable with the fuser module.
摘要翻译：本文提供了用于生成用于确定呼叫数据中的欺诈的融合风险分数的系统，方法和媒体。一些示例性方法包括通过经由分析系统的定影器模块生成用于一段呼叫数据的融合风险评分来生成用于通过呼叫数据确定欺诈的融合风险分数，所述融合风险评分通过将两个或多个唯一计算的欺诈风险分数，每个独特计算的欺诈风险分数由分析系统的子模块生成; 以及将所述融合的风险评分存储在可与所述定影模块通信地耦合的存储设备中。

6. 发明申请

US20120054202A1 Method and System for Screening Using Voice Data and Metadata 有权
标题翻译：使用语音数据和元数据进行筛选的方法和系统
公开(公告)号：US20120054202A1
公开(公告)日：2012-03-01
申请号：US13278067
申请日：2011-10-20
申请人： Anthony Rajakumar
发明人： Anthony Rajakumar
IPC分类号： G06F17/30 , G06F7/00
CPC分类号： G06Q40/025 , G06Q20/24 , G06Q20/4014 , G06Q30/0185 , G10L17/00
摘要： In one embodiment, the invention provides a method, comprising: (a) maintaining a database of known fraudsters, wherein each fraudster has a voice signature and metadata associated therewith; (b) performing a screening operation to match a candidate with a fraudster in the database based on matching a voice signature and metadata for the candidate with a voice signature and metadata for the fraudster in the database.
摘要翻译：在一个实施例中，本发明提供了一种方法，包括：（a）维护已知欺诈者的数据库，其中每个欺诈者具有与之相关联的语音签名和元数据; （b）基于将所述候选者的语音签名和元数据与数据库中的欺诈者的语音签名和元数据相匹配，执行筛选操作以使候选者与数据库中的欺诈者相匹配。

7. 发明授权

US08073691B2 Method and system for screening using voice data and metadata 有权
标题翻译：使用语音数据和元数据进行筛选的方法和系统
公开(公告)号：US08073691B2
公开(公告)日：2011-12-06
申请号：US11754974
申请日：2007-05-29
申请人： Anthony Rajakumar
发明人： Anthony Rajakumar
IPC分类号： G10L17/00 , G10L11/00 , G06Q99/00
CPC分类号： G06Q40/025 , G06Q20/24 , G06Q20/4014 , G06Q30/0185 , G10L17/00
摘要： In one embodiment, the invention provides a method, comprising: (a) maintaining a database of known fraudsters, wherein each fraudster has a voice signature and metadata associated therewith; (b) performing a screening operation to match a candidate with a fraudster in the database based on matching a voice signature and metadata for the candidate with a voice signature and metadata for the fraudster in the database.
摘要翻译：在一个实施例中，本发明提供了一种方法，包括：（a）维护已知欺诈者的数据库，其中每个欺诈者具有与之相关联的语音签名和元数据; （b）基于将所述候选者的语音签名和元数据与数据库中的欺诈者的语音签名和元数据相匹配，执行筛选操作以使候选者与数据库中的欺诈者相匹配。

8. 发明授权

US07660719B1 Configurable information collection system, method and computer program product utilizing speech recognition 有权
标题翻译：可配置信息收集系统，方法和计算机程序产品利用语音识别
公开(公告)号：US07660719B1
公开(公告)日：2010-02-09
申请号：US10922433
申请日：2004-08-19
申请人： Bertrand A. Damiba , Rohit Dhawan , Navneet Raja , Anthony Rajakumar , Vipul Niranjan Vyas
发明人： Bertrand A. Damiba , Rohit Dhawan , Navneet Raja , Anthony Rajakumar , Vipul Niranjan Vyas
IPC分类号： G10L15/00
CPC分类号： H04M3/4938 , G06Q10/10 , H04M3/493 , H04M2201/40 , H04M2203/2061
摘要： A system, method and computer program product are provided for collecting information utilizing speech recognition. After receiving a specification, a voice application is configured based on the specification. During use, the voice application is capable of collecting information utilizing speech recognition.
摘要翻译：提供了一种系统，方法和计算机程序产品，用于收集利用语音识别的信息。接收到规格后，根据规格配置语音应用程序。在使用过程中，语音应用能够利用语音识别来收集信息。

9. 发明申请

US20070282605A1 Method and System for Screening Using Voice Data and Metadata 有权
标题翻译：使用语音数据和元数据进行筛选的方法和系统
公开(公告)号：US20070282605A1
公开(公告)日：2007-12-06
申请号：US11754974
申请日：2007-05-29
申请人： Anthony Rajakumar
发明人： Anthony Rajakumar
IPC分类号： G10L15/00
CPC分类号： G06Q40/025 , G06Q20/24 , G06Q20/4014 , G06Q30/0185 , G10L17/00
摘要： In one embodiment, the invention provides a method, comprising: (a) maintaining a database of known fraudsters, wherein each fraudster has a voice signature and metadata associated therewith; (b) performing a screening operation to match a candidate with a fraudster in the database based on matching a voice signature and metadata for the candidate with a voice signature and metadata for the fraudster in the database.
摘要翻译：在一个实施例中，本发明提供了一种方法，包括：（a）维护已知欺诈者的数据库，其中每个欺诈者具有与之相关联的语音签名和元数据; （b）基于将所述候选者的语音签名和元数据与数据库中的欺诈者的语音签名和元数据相匹配，执行筛选操作以使候选者与数据库中的欺诈者相匹配。

10. 发明申请

US20060248019A1 Method and system to detect fraud using voice data 审中-公开
标题翻译：使用语音数据检测欺诈的方法和系统
公开(公告)号：US20060248019A1
公开(公告)日：2006-11-02
申请号：US11404342
申请日：2006-04-14
申请人： Anthony Rajakumar
发明人： Anthony Rajakumar
IPC分类号： G06Q99/00
CPC分类号： G06Q20/4014 , G06Q20/24 , G06Q20/382
摘要： According to one aspect of the invention there is provided a method, comprising (a) maintaining a collection of voice signatures, at least a subset of which is organized to form a list of voice signatures, each belonging to a disqualified candidate; (b) obtaining a voice sample for a candidate; (c) comparing the voice sample with the voice signatures in the list; and (d) if the voice sample matches a signature in the list, then returning a status of disqualified for the candidate. According to another aspect of the invention there is provided a method, comprising receiving a request form a merchant to perform a fraud detection operation in connection with a credit card transaction by a consumer; responsive to the request, collecting a voice sample from the consumer; comparing the collected voice sample with voice signatures of known fraudsters; and notifying the merchant of a result of the comparing.
摘要翻译：根据本发明的一个方面，提供了一种方法，包括：（a）保持语音签名的集合，其中至少一个子集被组织以形成语音签名列表，每个语音签名列表属于取消资格的候选者; （b）为候选人取得语音样本; （c）将语音样本与列表中的语音签名进行比较; 和（d）如果语音样本与列表中的签名相匹配，则返回候选人不符合资格的状态。根据本发明的另一方面，提供了一种方法，包括从商家接收请求，以便与消费者进行信用卡交易相关的欺诈检测操作; 响应该请求，从消费者收集语音样本; 将收集到的语音样本与已知欺诈者的语音签名进行比较; 并通知商家比较结果。

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