Ring and hardware characteristic identification techniques to identify call devices

Patent metadata

Field	Value
Publication number	US-12041198-B2
Application number	US-202318322056-A
Country	US
Kind code	B2
Filing date	May 23, 2023
Priority date	Feb 22, 2022
Publication date	Jul 16, 2024
Grant date	Jul 16, 2024

Abstract

A voice communications computer system (“VCCS”) receives a ring signal from a call device having unverified device identification data. The VCCS identifies an audible frequency component and an electronic frequency component of the ring signal. The VCCS identifies a device identification characteristic or a geographic location characteristic based on the audible or electronic frequency components, and identifies a stored identification characteristic associated with the device identification data. Based on a comparison of the stored identification characteristic with the device identification characteristic or geographic location characteristic, the VCCS generates fraud estimation data. In some cases, the VCCS generates call status data based on the fraud estimation data. The VCCS provides the fraud estimation data or the call status data to a user interface device, which is configured to display data or perform a call action for a call associated with the ring signal.

First claim

What is claimed is:

1. A method of identifying a call device, the method including operations executed by a processor, the operations comprising:
receiving, by a voice communications computer system (“VCCS”), a ring signal originating from a call device, the call device associated with device identification data;
identifying, by the VCCS, a combination of frequency components associated with the ring signal;
identifying a geographical identification characteristic based on the combination of frequency components;
identifying a stored identification characteristic associated with the device identification data;
generating, based on a comparison of the geographical identification characteristic to the stored identification characteristic, fraud estimation data; and
providing the fraud estimation data to an additional computing system configured to communicate with the VCCS.

2. The method of claim 1 , further comprising:
comparing the fraud estimation data to a verification threshold; and
responsive to the fraud estimation data exceeding the verification threshold, generating call status data, wherein the call status data configures the additional computing system to perform one or more of:
configuring a display device to display data describing requested verification data,
configuring the display device to display alert data describing the call device associated with the device identification data, or
disconnecting a call associated with the ring signal.

3. The method of claim 1 , further comprising:
comparing the fraud estimation data to a verification threshold; and
responsive to the verification threshold exceeding the fraud estimation data, modifying a data record associated with the device identification data to include the geographical identification characteristic.

4. The method of claim 1 , wherein identifying the combination of frequency components is based on filtering techniques performed by the VCCS.

5. The method of claim 1 , further comprising encoding the geographical identification characteristic to a vector data object.

6. The method of claim 1 , wherein the comparison of the geographical identification characteristic to the stored identification characteristic is performed via a trained machine-learning module configured for performing comparison techniques.

7. The method of claim 1 , wherein generating the fraud estimation data is based in part on comparing, to a geographical characteristic threshold, a similarity of the stored identification characteristic and the geographical identification characteristic.

8. The method of claim 1 , further comprising identifying a device identification characteristic based on the combination of frequency components,
wherein generating the fraud estimation data is further based on an additional comparison of the device identification characteristic to the stored identification characteristic.

9. A system for identifying a call device, the system comprising: a voice communications computer system (“VCCS”) configured for:
receiving, by a ring signal originating from a call device, the call device associated with device identification data;
identifying, by the VCCS, a combination of frequency components associated with the ring signal;
identifying a geographical identification characteristic based on the combination of frequency components;
identifying a stored identification characteristic associated with the device identification data;
generating, based on a comparison of the geographical identification characteristic to the stored identification characteristic, fraud estimation data; and
providing the fraud estimation data to an additional computing system configured to communicate with the VCCS.

10. The system of claim 9 , wherein the VCCS is further configured for:
comparing the fraud estimation data to a verification threshold; and
responsive to the fraud estimation data exceeding the verification threshold, generating call status data, wherein the call status data configures the additional computing system to perform one or more of:
configuring a display device to display data describing requested verification data,
configuring the display device to display alert data describing the call device associated with the device identification data, or
disconnecting a call associated with the ring signal.

11. The system of claim 9 , wherein the VCCS is further configured for:
comparing the fraud estimation data to a verification threshold; and

responsive to the verification threshold exceeding the fraud estimation data, modifying a data record associated with the device identification data to include the geographical identification characteristic.

12. The system of claim 9 , wherein identifying the combination of frequency components is based on filtering techniques performed by the VCCS.

13. The system of claim 9 , wherein the VCCS is further configured for encoding the geographical identification characteristic to a vector data object.

14. The system of claim 9 , wherein the comparison of the geographical identification characteristic to the stored identification characteristic is performed via a trained machine-learning module configured for performing comparison techniques.

15. The system of claim 9 , wherein generating the fraud estimation data is based in part on comparing, to a geographical characteristic threshold, a similarity of the stored identification characteristic and the geographical identification characteristic.

16. The system of claim 9 , wherein the VCCS is further configured for identifying a device identification characteristic based on the combination of frequency components,
wherein generating the fraud estimation data is further based on an additional comparison of the device identification characteristic to the stored identification characteristic.

17. A non-transitory computer-readable medium embodying program code for identifying a call device, wherein, when executed by a processor, the program code causes the processor to perform operations comprising:
receiving, by a voice communications computer system (“VCCS”), a ring signal originating from a call device, the call device having an unverified association with device identification data;
identifying, by the VCCS, a combination of frequency components associated with the ring signal;
identifying a geographical identification characteristic based on the combination of frequency components;
identifying a stored identification characteristic associated with the device identification data;
generating, based on a comparison of the geographical identification characteristic to the stored identification characteristic, fraud estimation data; and
providing the fraud estimation data to an additional computing system configured to communicate with the VCCS.

18. The non-transitory computer-readable medium of claim 17 , wherein the program code causes the processor to perform operations further comprising:
comparing the fraud estimation data to a verification threshold; and
responsive to the fraud estimation data exceeding the verification threshold, generating call status data, wherein the call status data configures the additional computing system to perform one or more of:
configuring a display device to display data describing requested verification data,
configuring the display device to display alert data describing the call device associated with the device identification data, or
disconnecting a call associated with the ring signal.

19. The non-transi

Assignees

• Wells Fargo Bank Na

Inventors

• Verma Ashutosh
• Yeri Naveen Gururaja
• Gupta Shitiz
• Vijayan Divakar
• Singh Manpreet
• Venkataraman Vinoth
• Babu Ramesh
• Swain Nihar

Classifications

• G06F18/22 Primary

  Matching criteria, e.g. proximity measures · CPC title

• H04M3/42357

  where the information is provided to a monitoring entity such as a potential calling party or a call processing server · CPC title

• G06N20/00

  Machine learning · CPC title

• G06N20/10

  using kernel methods, e.g. support vector machines [SVM] · CPC title

• H04M2203/6045

  Identity confirmation · CPC title