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1. 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。

2. 发明授权

US09113001B2 Systems, methods, and media for disambiguating call data to determine fraud 有权
标题翻译：用于消除呼叫数据以确定欺诈的系统，方法和媒体
公开(公告)号：US09113001B2
公开(公告)日：2015-08-18
申请号：US13482841
申请日：2012-05-29
申请人： Anthony Rajakumar , Lisa Guerra , Torsten Zeppenfeld , Vipul Vyas
发明人： Anthony Rajakumar , Lisa Guerra , Torsten Zeppenfeld , Vipul Vyas
IPC分类号： H04M15/00 , H04M3/22 , G06Q20/40 , H04M3/38 , H04M3/42 , G10L17/00 , G06F21/32 , G10L17/22
CPC分类号： H04M15/47 , G06F21/32 , G06Q20/4016 , G10L17/00 , G10L17/005 , G10L17/22 , H04M3/2281 , H04M3/385 , H04M3/42059 , H04M2201/40 , H04M2201/41 , H04M2203/6027 , H04M2215/0148
摘要： Systems, methods, and media for disambiguating call data are provided herein. Some exemplary methods include receiving, via a fraud notification system, notification of a fraud event associated with a customer account, the fraud event comprising a time stamp, determining, via a call selection module, unique voice samples or models from call events obtained within a time frame that is temporally proximate the fraud event, and generating a timeline presentation that includes each unique voice sample or model identified in the call events based upon a time stamp associated with the call events.
摘要翻译：本文提供了用于消除呼叫数据的系统，方法和媒体。一些示例性方法包括经由欺诈通知系统接收与客户帐户相关联的欺诈事件的通知，所述欺诈事件包括时间戳，经由呼叫选择模块，从在呼叫选择模块内获得的呼叫事件确定唯一语音样本或模型时间上接近欺诈事件的时间帧，以及基于与呼叫事件相关联的时间戳来生成包括在呼叫事件中识别的每个唯一语音样本或模型的时间线表示。

3. 发明申请

US20120263285A1 SYSTEMS, METHODS, AND MEDIA FOR DISAMBIGUATING CALL DATA TO DETERMINE FRAUD 有权
标题翻译：系统，方法和媒体，用于拒绝呼叫数据以确定欺诈
公开(公告)号：US20120263285A1
公开(公告)日：2012-10-18
申请号：US13482841
申请日：2012-05-29
申请人： Anthony Rajakumar , Lisa Guerra , Torsten Zeppenfeld , Vipul Vyas
发明人： Anthony Rajakumar , Lisa Guerra , Torsten Zeppenfeld , Vipul Vyas
IPC分类号： H04M3/00
CPC分类号： H04M15/47 , G06F21/32 , G06Q20/4016 , G10L17/00 , G10L17/005 , G10L17/22 , H04M3/2281 , H04M3/385 , H04M3/42059 , H04M2201/40 , H04M2201/41 , H04M2203/6027 , H04M2215/0148
摘要： Systems, methods, and media for disambiguating call data are provided herein. Some exemplary methods include receiving, via a fraud notification system, notification of a fraud event associated with a customer account, the fraud event comprising a time stamp, determining, via a call selection module, unique voice samples or models from call events obtained within a time frame that is temporally proximate the fraud event, and generating a timeline presentation that includes each unique voice sample or model identified in the call events based upon a time stamp associated with the call events.
摘要翻译：本文提供了用于消除呼叫数据的系统，方法和媒体。一些示例性方法包括经由欺诈通知系统接收与客户帐户相关联的欺诈事件的通知，所述欺诈事件包括时间戳，经由呼叫选择模块，从在呼叫选择模块内获得的呼叫事件确定唯一语音样本或模型时间上接近欺诈事件的时间帧，以及基于与呼叫事件相关联的时间戳来生成包括在呼叫事件中识别的每个唯一语音样本或模型的时间线表示。

4. 发明授权

US08793131B2 Systems, methods, and media for determining fraud patterns and creating fraud behavioral models 有权
标题翻译：用于确定欺诈模式和创建欺诈行为模型的系统，方法和媒体
公开(公告)号：US08793131B2
公开(公告)日：2014-07-29
申请号：US13290011
申请日：2011-11-04
申请人： Lisa Guerra , Richard Gutierrez , David Hartig , Anthony Rajakumar , Vipul Vyas
发明人： Lisa Guerra , Richard Gutierrez , David Hartig , Anthony Rajakumar , Vipul Vyas
IPC分类号： G10L17/00 , H04M1/66 , G06F21/32 , H04L9/32
CPC分类号： G06F21/32 , G10L17/00 , H04L9/32 , H04M3/2281 , H04M2201/40 , H04M2203/6027
摘要： Systems, methods, and media for analyzing fraud patterns and creating fraud behavioral models are provided herein. In some embodiments, methods for analyzing call data associated with fraudsters may include executing instructions stored in memory to compare the call data to a corpus of fraud data to determine one or more unique fraudsters associated with the call data, associate the call data with one or more unique fraudsters based upon the comparison, generate one or more voiceprints for each of the one or more identified unique fraudsters from the call data, and store the one or more voiceprints in a database.
摘要翻译：本文提供了用于分析欺诈模式和创建欺诈行为模型的系统，方法和媒体。在一些实施例中，用于分析与欺诈者相关联的呼叫数据的方法可以包括执行存储在存储器中的指令以将呼叫数据与欺诈数据语料库进行比较，以确定与呼叫数据相关联的一个或多个唯一欺诈者，将呼叫数据与一个或多个基于比较的更独特的欺诈者，从呼叫数据生成一个或多个所识别的唯一欺诈者中的每一个的一个或多个声纹，并将一个或多个声纹存储在数据库中。

5. 发明申请

US20120072453A1 SYSTEMS, METHODS, AND MEDIA FOR DETERMINING FRAUD PATTERNS AND CREATING FRAUD BEHAVIORAL MODELS 有权
标题翻译：系统，方法和媒体，用于确定欺诈模式并创建欺诈行为模型
公开(公告)号：US20120072453A1
公开(公告)日：2012-03-22
申请号：US13290011
申请日：2011-11-04
申请人： Lisa Guerra , Richard Gutierrez , David Hartig , Anthony Rajakumar , Vipul Vyas
发明人： Lisa Guerra , Richard Gutierrez , David Hartig , Anthony Rajakumar , Vipul Vyas
IPC分类号： G06F17/30
CPC分类号： G06F21/32 , G10L17/00 , H04L9/32 , H04M3/2281 , H04M2201/40 , H04M2203/6027
摘要： Systems, methods, and media for analyzing fraud patterns and creating fraud behavioral models are provided herein. In some embodiments, methods for analyzing call data associated with fraudsters may include executing instructions stored in memory to compare the call data to a corpus of fraud data to determine one or more unique fraudsters associated with the call data, associate the call data with one or more unique fraudsters based upon the comparison, generate one or more voiceprints for each of the one or more identified unique fraudsters from the call data, and store the one or more voiceprints in a database.
摘要翻译：本文提供了用于分析欺诈模式和创建欺诈行为模型的系统，方法和媒体。在一些实施例中，用于分析与欺诈者相关联的呼叫数据的方法可以包括执行存储在存储器中的指令以将呼叫数据与欺诈数据语料库进行比较，以确定与呼叫数据相关联的一个或多个唯一欺诈者，将呼叫数据与一个或多个基于比较的更独特的欺诈者，从呼叫数据生成一个或多个所识别的唯一欺诈者中的每一个的一个或多个声纹，并将一个或多个声纹存储在数据库中。

6. 发明授权

US08682748B1 Self-service system and method for using multiple communication channels to communicate with a user regarding a conflict with a product 有权
标题翻译：自助系统和方法，用于使用多个通信信道与用户通信以产生与产品的冲突
公开(公告)号：US08682748B1
公开(公告)日：2014-03-25
申请号：US11411370
申请日：2006-04-26
申请人： Assaf Baciu , David E. Hartig , Michael G. Linnert , Kevin M. Stone , Vipul Vyas
发明人： Assaf Baciu , David E. Hartig , Michael G. Linnert , Kevin M. Stone , Vipul Vyas
IPC分类号： G06Q30/00
CPC分类号： G06Q30/016 , G06Q30/01
摘要： Self-service application and method facilitate the ability of a self-service system to resolve conflicts in an automated fashion. When a user “opts-in” to a product offer presented to the user by the self-service system, the self-service system determines if the offered product conflicts with an existing product or characteristic associated with the user's account. If there is a conflict and the conflict can be better explained in another communication channel, the self-service system informs the user that there is a problem with the user purchasing the product, and offers to provide more information via a second communication channel. If the user accepts such offer, the self-service system begins communicating with the user about the conflict in the second communication channel. In one embodiment, in transitioning to the second communication channel, the self-service system maintains the user state information.
摘要翻译：自助服务应用和方法有助于自助服务系统以自动化方式解决冲突的能力。当用户通过自助服务系统向用户提供“选择加入”产品报价时，自助服务系统确定提供的产品是否与与用户帐户相关联的现有产品或特性冲突。如果存在冲突并且可以在另一通信信道中更好地解释冲突，则自助服务系统通知用户用户购买产品存在问题，并提供经由第二通信信道提供更多信息。如果用户接受这种提供，则自助服务系统开始与用户就第二通信信道中的冲突进行通信。在一个实施例中，在转换到第二通信信道中，自助服务系统保持用户状态信息。

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