Systems and methods employing graph-derived features for fraud detection

    公开(公告)号:US11632460B2

    公开(公告)日:2023-04-18

    申请号:US17201849

    申请日:2021-03-15

    IPC分类号: H04M3/22 G06N20/00 G06K9/62

    摘要: Embodiments described herein provide for performing a risk assessment using graph-derived features of a user interaction. A computer receives interaction information and infers information from the interaction based on information provided to the computer by a communication channel used in transmitting the interaction information. The computer may determine a claimed identity of the user associated with the user interaction. The computer may extract features from the inferred identity and claimed identity. The computer generates a graph representing the structural relationship between the communication channels and claimed identities associated with the inferred identity and claimed identity. The computer may extract additional features from the inferred identity and claimed identity using the graph. The computer may apply the features to a machine learning model to generate a risk score indicating the probability of a fraudulent interaction associated with the user interaction.

    SPEAKER SPECIFIC SPEECH ENHANCEMENT

    公开(公告)号:US20220084509A1

    公开(公告)日:2022-03-17

    申请号:US17475226

    申请日:2021-09-14

    IPC分类号: G10L15/16 G10L17/22

    摘要: Embodiments described herein provide for a machine-learning architecture system that enhances the speech audio of a user-defined target speaker by suppressing interfering speakers, as well as background noise and reverberations. The machine-learning architecture includes a speech separation engine for separating the speech signal of a target speaker from a mixture of multiple speakers' speech, and a noise suppression engine for suppressing various types of noise in the input audio signal. The speaker-specific speech enhancement architecture performs speaker mixture separation and background noise suppression to enhance the perceptual quality of the speech audio. The output of the machine-learning architecture is an enhanced audio signal improving the voice quality of a target speaker on a single-channel audio input containing a mixture of speaker speech signals and various types of noise.

    CROSS-CHANNEL ENROLLMENT AND AUTHENTICATION OF VOICE BIOMETRICS

    公开(公告)号:US20210241776A1

    公开(公告)日:2021-08-05

    申请号:US17165180

    申请日:2021-02-02

    IPC分类号: G10L17/04 G10L17/18 G06N3/04

    摘要: Embodiments described herein provide for systems and methods for voice-based cross-channel enrollment and authentication. The systems control for and mitigate against variations in audio signals received across any number of communications channels by training and employing a neural network architecture comprising a speaker verification neural network and a bandwidth expansion neural network. The bandwidth expansion neural network is trained on narrowband audio signals to produce and generate estimated wideband audio signals corresponding to the narrowband audio signals. These estimated wideband audio signals may be fed into one or more downstream applications, such as the speaker verification neural network or embedding extraction neural network. The speaker verification neural network can then compare and score inbound embeddings for a current call against enrolled embeddings, regardless of the channel used to receive the inbound signal or enrollment signal.

    DYNAMIC ACCOUNT RISK ASSESSMENT FROM HETEROGENEOUS EVENTS

    公开(公告)号:US20210240837A1

    公开(公告)日:2021-08-05

    申请号:US17159748

    申请日:2021-01-27

    IPC分类号: G06F21/57 G06F21/55 G06F11/30

    摘要: 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.

    CALL CLASSIFICATION THROUGH ANALYSIS OF DTMF EVENTS

    公开(公告)号:US20210152897A1

    公开(公告)日:2021-05-20

    申请号:US17157848

    申请日:2021-01-25

    摘要: Systems, methods, and computer-readable media for call classification and for training a model for call classification, an example method comprising: receiving DTMF information from a plurality of calls; determining, for each of the calls, a feature vector including statistics based on DTMF information such as DTMF residual signal comprising channel noise and additive noise; training a model for classification; comparing a new call feature vector to the model; predicting a device type and geographic location based on the comparison of the new call feature vector to the model; classifying the call as spoofed or genuine; and authenticating a call or altering an IVR call flow.

    SYSTEM AND METHOD FOR CLUSTER-BASED AUDIO EVENT DETECTION

    公开(公告)号:US20210134316A1

    公开(公告)日:2021-05-06

    申请号:US17121291

    申请日:2020-12-14

    摘要: Methods, systems, and apparatuses for audio event detection, where the determination of a type of sound data is made at the cluster level rather than at the frame level. The techniques provided are thus more robust to the local behavior of features of an audio signal or audio recording. The audio event detection is performed by using Gaussian mixture models (GMMs) to classify each cluster or by extracting an i-vector from each cluster. Each cluster may be classified based on an i-vector classification using a support vector machine or probabilistic linear discriminant analysis. The audio event detection significantly reduces potential smoothing error and avoids any dependency on accurate window-size tuning. Segmentation may be performed using a generalized likelihood ratio and a Bayesian information criterion, and the segments may be clustered using hierarchical agglomerative clustering. Audio frames may be clustered using K-means and GMMs.