System and Method for Tracking Fraudulent Electronic Transactions Using Voiceprints of Uncommon Words

Abstract

Disclosed are systems, methods, and computer-readable media for comparing customer voice prints comprising of uncommonly spoken words with a database of known fraudulent voice signatures and continually updating the database to decrease the risk of identity theft. The method embodiment comprises comparing a received voice signal against a database of known fraudulent voice signatures, denying the caller's transaction if the voice signal substantially matches the database of known fraudulent voice signatures, adding the caller's voice signal to the database of known fraudulent voice signatures if the voice signal does not substantially match a separate speaker verification database and received additional information is not verified.

We claim: 
     
         1 . A method comprising:
 verifying a user as authorized for a transaction by:   comparing a voice signal against a database of known fraudulent voice signatures, wherein the voice signal comprises an uncommonly spoken word;   comparing the voice signal against a database of voice signals associated with the transaction;   requesting an additional voice signal comprising personal information of the user when the voice signal does not substantially match an entry in the database of voice signals; and   comparing the personal information to a database of personal information; and   when the user cannot be verified as authentic, adding the voice signal to the database of known fraudulent voice signatures.   
     
     
         2 . The method of  claim 1 , further comprising:
 performing a transaction when the first voice signal substantially matches the speaker verification database and the personal information is verified.   
     
     
         3 . The method of  claim 1 , further comprising:
 denying further user action when the personal information is not verified.   
     
     
         4 . The method of  claim 1 , further comprising:
 employing a sliding threshold scale of confidence in query results obtained from the speaker verification database based on a confidence level of query results obtained from the database of known fraudulent voice signatures.   
     
     
         5 . The method of  claim 1 , further comprising:
 upon verifying the user as authentic, adding the voice signal to the database of voice signals.   
     
     
         6 . The method of  claim 1 , wherein the personal information comprises a personal identification number. 
     
     
         7 . The method of  claim 1 , wherein the personal information comprises one of a billing address and a card security code. 
     
     
         8 . A system comprising:
 a processor; and   a computer-readable storage medium having instructions stored which, when executed by the processor, cause the processor to perform operations comprising:
 verifying a user as authorized for a transaction by:
 comparing a voice signal against a database of known fraudulent voice signatures, wherein the voice signal comprises an uncommonly spoken word; 
 comparing the voice signal against a database of voice signals associated with the transaction; 
 requesting an additional voice signal comprising personal information of the user when the voice signal does not substantially match an entry in the database of voice signals; and 
 comparing the personal information to a database of personal information; and 
 
 when the user cannot be verified as authentic, adding the voice signal to the database of known fraudulent voice signatures. 
   
     
     
         9 . The system of  claim 8 , the computer-readable storage medium having additional instructions stored which, when executed by the processor, result in operations comprising:
 performing a transaction when the first voice signal substantially matches the speaker verification database and the personal information is verified.   
     
     
         10 . The system of  claim 8 , the computer-readable storage medium having additional instructions stored which, when executed by the processor, result in operations comprising:
 denying further user action when the personal information is not verified.   
     
     
         11 . The system of  claim 8 , the computer-readable storage medium having additional instructions stored which, when executed by the processor, result in operations comprising:
 employing a sliding threshold scale of confidence in query results obtained from the speaker verification database based on a confidence level of query results obtained from the database of known fraudulent voice signatures.   
     
     
         12 . The system of  claim 8 , the computer-readable storage medium having additional instructions stored which, when executed by the processor, result in operations comprising:
 upon verifying the user as authentic, adding the voice signal to the database of voice signals.   
     
     
         13 . The system of  claim 8 , wherein the personal information comprises a personal identification number. 
     
     
         14 . The system of  claim 8 , wherein the personal information comprises one of a billing address and a card security code. 
     
     
         15 . A computer-readable storage device having instructions stored which, when executed by a computing device, cause the computing device to perform operations comprising:
 verifying a user as authorized for a transaction by:
 comparing a voice signal against a database of known fraudulent voice signatures, wherein the voice signal comprises an uncommonly spoken word; 
 comparing the voice signal against a database of voice signals associated with the transaction; 
 requesting an additional voice signal comprising personal information of the user when the voice signal does not substantially match an entry in the database of voice signals; and 
 comparing the personal information to a database of personal information; and 
   when the user cannot be verified as authentic, adding the voice signal to the database of known fraudulent voice signatures.   
     
     
         16 . The computer-readable storage device of  claim 15 , having additional instructions stored which, when executed by the processor, result in operations comprising:
 performing a transaction when the first voice signal substantially matches the speaker verification database and the personal information is verified.   
     
     
         17 . The computer-readable storage device of  claim 15 , having additional instructions stored which, when executed by the processor, result in operations comprising:
 denying further user action when the personal information is not verified.   
     
     
         18 . The computer-readable storage device of  claim 15 , having additional instructions stored which, when executed by the processor, result in operations comprising:
 employing a sliding threshold scale of confidence in query results obtained from the speaker verification database based on a confidence level of query results obtained from the database of known fraudulent voice signatures.   
     
     
         19 . The computer-readable storage device of  claim 15 , having additional instructions stored which, when executed by the processor, result in operations comprising:
 upon verifying the user as authentic, adding the voice signal to the database of voice signals.   
     
     
         20 . The computer-readable storage device of  claim 15 , wherein the personal information comprises a personal identification number.