Interactive credit card fraud control process

Claim 1

A method of credit card fraud risk control utilizing an interactive computer program with access via telephone lines and having the computer program, utilizing voice response technology, capture certain touch tone and voice responses that permit positive identification of the caller as the person authorized by the credit card Issuer to use that credit card; and this process is accomplished by having the person needing authorization for the credit card charge communicate and interact with the present invention via telephone line; using a Voice Response System (VRS) on computer to interact with the caller to obtain information and voice prints; converting incoming touch tone DTMF signals to computer readable signals so touch tone responses by the caller can be automatically handled by the computer program; using Dialed Number Identification System (DNIS) signals to determine the number called as a code for the computer program to identify what parts of the present invention are needed to control credit card fraud risk for the merchant involved; using Automatic Number Identification (ANI) to capture the telephone number of the telephone being used by the caller, for the purpose of obtaining that information as part of the risk control algorithm; using Automatic Number Identification (ANI) to capture the telephone number of the telephone being used by the caller, for the purpose of obtaining that information as part of the data permanently attached to the computer record of that transaction, using Automatic Number Identification (ANI) to capture the telephone number of the telephone being used by the caller, for the purpose of obtaining that information as part of the data available to fraud investigators to assist in the capture of perpetrators of a fraudulent transaction, anchoring all transaction data together, including voice responses and touch tone responses of the caller plus call detail records plus computer generated information resulting from data base relationships, as a Record Stamp of the transaction; using the Record Stamp of the transaction to recover the complete history of the call together with all pertinent information; using the Record Stamp as a method for fraud investigators to access and reproduce information about the call, caller and the overall transaction; using the DNIS combined with a data base of voice prints to determine if the computer program requires a unique voice print to be anchored to the applicable credit card number before the card can be authorized for use; creating a voice print of the person initially issued the credit card as a unique and positive identification method, to identify the caller as the person who is authorized to use the credit card; creating a fixed relationship between a voice print and a credit card number, whereby the voice print is "anchored" to the credit card number in such a way that the computer can determine if the caller's voice print is the same as the anchored print; using the voice print of the person initially issued the credit card as the authorized pattern, and comparing the voice print of the caller with the authorized pattern to determine if the caller is the person initially issued the credit card; capturing a voice print of the caller that can be used by fraud investigators and law enforcement personnel to positively identify a person as the caller in a fraudulent transaction; maintaining a data base of authorized patterns (voice prints of originally issued credit card holders) that can only be accessed or altered by approved persons; establishing a process for using identification numbers and passwords to track and limit credit card use by persons other than the card holder; establishing a process for using identification numbers and passwords to track and limit credit card transactions made by telemarketing personnel; establishing a process for requiring and using identification numbers and passwords to track and limit credit card transactions by telemarketing personnel for the purpose of limiting the ability of a telemarketing salesperson to use a previously authorized credit card to place an order unauthorized by the card holder. establishing a process for tracking identification numbers and passwords to track credit card transactions by telemarketing personnel when the telemarketing salesperson is using a previously authorized credit card to place an order unauthorized by the card holder, in order to permit fraud investigators and law enforcement personnel to reproduce the transaction history and positively identify the perpetrator of a fraudulent transaction; establishing a process whereby an operator interacts with bank VRS machines or live bank personnel to verify from bank records that the caller is the authorized card holder; establishing a process whereby the computer looks up in a historical data base the historic use of a credit card, and compares the historic use with frequency parameters and dollar volume parameters; establishing a process whereby the computer looks up in a historical data base the historic use of a credit card, and compares the historic use with frequency parameters and dollar volume parameters for the purpose of limiting or preventing abusive use of a credit card; establishing a process whereby the computer looks up in a historical data base the historic use of a credit card, and compares the historic use with frequency parameters and dollar volume parameters for the purpose of identifying a credit card transaction as having a high probability of being fraudulent; establishing a process whereby the computer looks up in a historical data base the historic use of a credit card, and compares the historic use with frequency parameters and dollar volume parameters for the purpose of identifying a credit card transaction as having a high probability of being fraudulent and then capturing information from the caller in response to question prompts that increases the probability of identifying the perpetrator despite his attempts to give false information; establishing a method for automatically verifying that a previous order has been filled and delivery made before another order is accepted on that credit card.

Claim 2

A method of using a voice print of a person speaking his own name as a distinct and unique identification pattern to identify the authorized credit card holder, and this method is comprised of the following steps: the authorized credit card holder, identified by authorized bank personnel and in a secure bank approved location, calls the present invention via telephone and, at the prompt, speaks his full name; or the authorized credit card holder, identified by authorized bank personnel and in a secure bank approved location, calls the present invention via telephone and, at the prompt, speaks his full name and his Personal Identification Number (PIN); or the authorized credit card holder calls the present invention via telephone and, at the prompt, speaks his full name and his Personal Identification Number (PIN); the Voice Response System (VRS) on the present invention, using Dialogic VR/40 and D/41D cards or the equivalent and Voice Control Systems' speaker verification software or the equivalent, captures what the authorized credit card holder says and creates a voice print file; the voice print file contains the voice characteristics of the speaker, the sounds of the spoken message, and the spoken message, concatenated in such a way that it forms a unique and distinct identification that can not be duplicated except by the person who first spoke it; the present invention creates a fixed relationship between the voice print of the authorized credit card holder and the card holder's credit card number such that if a different voice print is later associated with that same credit card number, the computer can differentiate and determine that the second relationship would be unauthorized.

Claim 3

A method of capturing information during a telephone transaction, which information can assist in the capture of persons committing credit card fraud, the method comprising the following steps: the person attempting to use an unauthorized credit card or a credit card of another person, hereinafter called the "Defrauder", must attempt to make the present invention conclude that the Defrauder is the authorized credit card holder, and this Defrauder calls the present invention to obtain approval for the credit card transaction; the Defrauder is prompted to respond with voice and touch tone responses just as if he were the card holder; by comparing the voice print of the Defrauder speaking the card holder's name with the anchored voice print for the given credit card, the computer can determine that the Defrauder is not the authorized card holder; or by comparing the touch tone responses of the Defrauder to the known personal, demographic and bank records of the card holder which are anchored to the given credit card, the computer can determine that the Defrauder is not the authorized card holder; or by comparing the voice responses of the Defrauder to the known personal, demographic and bank records of the card holder which are anchored to the given credit card, the computer can determine that the Defrauder is not the authorized card holder; or by comparing the voice responses of the Defrauder to the known personal, demographic and bank records of the card holder which are anchored to the given credit card, a live operator can determine that the Defrauder is not the authorized card holder; or by comparing the touch toned PIN responses of the Defrauder to the known correct PIN number of the card holder which are anchored to the given credit card, the computer can determine that the Defrauder is not the authorized card holder; the present invention creates a Record Stamp, which is an information file on the computer, that ties all information captured during the transaction plus call detail records plus computer generated information resulting from data base relationships; the Record Stamp is archived in the computer memory, and the present invention can recall the Record Stamp from computer memory and replay the transaction to provide fraud investigators and law enforcement personnel and other approved persons all data generated during the actual transaction; the present invention creates a voice print of every caller as part of the Record Stamp information, and that voice print of the caller speaking the authorized credit card holder's name, or name plus PIN number, becomes a positive identification of the Defrauder; the present invention can replay the Defrauder's voice print of the authorized credit card holder's name; if a suspected Defrauder is apprehended, he can be asked to create a voice print of the authorized credit card holder's name, or name and PIN number, and that voice print can be compared by the present invention with the actual Defrauder's voice print (captured during the fraudulent transaction), whereby the present invention can determine if the suspected Defrauder is actually the Defrauder.

Claim 4

A method and process of credit card fraud control utilizing live operators who, during the period of time when the present invention on the VRS computer is capturing touch tone and voice responses of the caller, can verify that the caller is the authorized card holder according to the bank records of the credit card issuer; and this process is comprised of the following steps: having the operator transcribe the captured voice response to the question prompt, "speak the billing address of the credit card you are using"; having the operator transcribe the captured voice response to the question prompt, "speak the name of the bank that issued your credit card"; the operator enters the text (translation) of the caller's spoken name of the issuing bank, and the present invention matches that bank's Bank Identification Number (BIN) with the known BIN of the credit card; if the caller's spoken name of the issuing bank is not the same as the known issuer, the present invention advances the call to a fraud investigator; if the caller's spoken name of the issuing bank is the same as the known issuer, the operator calls the bank and verifies (via live bank person or the bank's VRS machine) the caller's spoken billing address with the billing address according to bank records; if the present invention's data base does not contain the Personal Identification Number (PIN) for the subject credit card, the operator can call from computer memory the caller's touch tone response to the question prompt, "Please touch tone in your PIN number", whereupon the operator calls the issuing bank and verifies that the caller's PIN response is the same as the authorized PIN number.

Claim 5

A method and automated process whereby the present invention can prevent duplicate credit card orders for a merchant, can give a caller the delivery status of his credit card order, and can prevent fraudulent credit card orders where caller holds a physically stolen credit card or is calling from or requesting delivery to a high risk address; and this process is accomplished by letting the merchant determine the level of risk he wants to accept; using Automatic Number Identification (ANI) to capture the telephone number of the telephone being used to place the call to the present invention; matching the ANI with a data base of known high risk telephones such as prisons or high risk area codes; capturing the credit card number and looking up in a data base the orders placed on that credit card to the called Dialed Number Identification System (DNIS) code; if the order is a duplicate of a previous order, the caller can be told or, at the merchant's predetermined option, a second order can be denied; if the caller selects by optional response to know the delivery status of his previous order, the present invention can provide that status; if the caller requests delivery to a high risk location like a prison, correctional facility or mail drop box, the present invention can match the requested address with a data base of known high risk addresses and, at the merchant's predetermined option, the order can be denied; the present invention creates a Record Stamp, which is an information file on the computer, that ties all information captured during the transaction plus call detail records plus computer generated information resulting from data base relationships; the Record Stamp is archived in the computer memory, and the present invention can recall the Record Stamp and replay the transaction to provide fraud investigators and law enforcement personnel and other approved persons all data generated during the actual transaction; the present invention creates a voice print of every caller as part of the Record Stamp information, and that voice print of the caller speaking the authorized credit card holder's name, or name plus PIN number, becomes a positive identification of the caller; the present invention can replay the caller's voice print of the authorized credit card holder's name; if a suspected Defrauder is apprehended, he can be asked to create a voice print of the authorized credit card holder's name, or name and PIN number, and that voice print can be compared by the present invention with the actual Defrauder's voice print, whereby the present invention can determine if the suspected Defrauder is actually the Defrauder.

Claim 10

A method of telephone fraud control utilizing an interactive computer program with access via telephone lines and having the computer program, utilizing voice response technology, capture certain touch tone and/or voice responses that permit positive identification of the caller as the person authorized by the telephone company to use that telephone for outbound calls; and this process is accomplished by having the person needing authorization for the telephone communicate and interact with the present invention via telephone line prior to utilizing the telephone the first time; using a Voice Response System (VRS) on computer to interact with the caller to obtain information and voice prints; converting incoming touch tone DTMF signals to computer readable signals so touch tone responses by the caller can be automatically handled by the computer program; using Dialed Number Identification System (DNIS) signals to determine the number called as a code for the computer program to identify what parts of the present invention are needed to control telephone fraud risk for the telephone involved; using Automatic Number Identification (ANI) to capture the telephone number of the telephone being used by the caller, for the purpose of obtaining that information as part of the risk control algorithm and determining if a voice print is already anchored to that telephone; using Automatic Number Identification (ANI) to capture the telephone number of the telephone being used by the caller, for the purpose of obtaining that information as part of the data permanently attached to the computer record of that transaction, using Automatic Number Identification (ANI) to capture the telephone number of the telephone being used by the caller, for the purpose of obtaining that information as part of the data available to fraud investigators to assist in the capture of perpetrators of a fraudulent telephone transaction, anchoring all transaction data together, including voice responses and touch tone responses of the caller plus call detail records plus computer generated information resulting from data base relationships, as a Record Stamp of the transaction; using the Record Stamp of the transaction to recover the complete history of the call together with all pertinent information; using the Record Stamp as a method for fraud investigators to access and reproduce information about the call, caller and the overall transaction; using the DNIS combined with a data base of voice prints to determine if the computer program requires a unique voice print to be anchored to the applicable telephone number before the telephone can be authorized for use; creating a voice print of the person initially issued the telephone as a unique and positive identification method, to identify the caller as the person who is authorized to use the telephone; creating a fixed relationship between a voice print and a telephone number, whereby the voice print is "anchored" to the telephone number in such a way that the computer can determine if the caller's voice print is the same as the anchored print; using the voice print of the person initially issued the telephone as the authorized pattern, and comparing the voice print of the caller with the authorized pattern to determine if the caller is the person authorized to use that telephone; capturing a voice print of the caller that can be used by fraud investigators and law enforcement personnel to positively identify a person as the caller in a fraudulent transaction; maintaining a data base of authorized patterns (voice prints of originally authorized users of that telephone) that can only be accessed or altered by approved persons; establishing a process for using identification numbers and passwords to track and limit telephone use of that telephone; establishing a process whereby the computer looks up in an historical data base the historic use of a telephone by the using person, and compares the historic use with frequency parameters and dollar volume parameters; establishing a process whereby the computer looks up in a historical data base the historic use of a telephone, and compares the historic use with frequency parameters and dollar volume parameters for the purpose of limiting or preventing abusive use of a telephone; establishing a process whereby the computer looks up in a historical data base the historic use of a telephone by the user, and compares the historic use with frequency parameters and dollar volume parameters for the purpose of identifying a telephone transaction as having a high probability of being fraudulent; establishing a process whereby the computer looks up in a historical data base the historic use of a telephone, and compares the historic use with frequency parameters and dollar volume parameters for the purpose of identifying a telephone transaction as having a high probability of being fraudulent and then capturing information from the caller in response to question prompts that increases the probability of identifying the perpetrator despite his attempts to give false information;

Claim 11

A method of using a voice print of a person speaking his own name as a distinct and unique identification pattern to identify the authorized telephone user and thereby control the use of a particular fixed location or mobile telephone, and this method is comprised of the following steps: the authorized user or users, identified by authorized telephone company or cellular telephone company personnel and in a secure telephone company approved location, calls the present invention via telephone and, at the prompt, speaks his full name; or the authorized telephone user (or users), identified by authorized personnel and in a secure approved location, calls the present invention via telephone and, at the prompt, speaks his full name and his Personal Identification Number (PIN); or the telephone or communication device purchaser calls the present invention via telephone and, at the prompt, speaks his full name and his Personal Identification Number (PIN); the Voice Response System (VRS) on the present invention, using Dialogic VR/40 and D/41D cards or the equivalent and Voice Control Systems' speaker verification software or the equivalent, captures what the authorized telephone user says and creates a voice print file; the voice print file contains the voice characteristics of the speaker, the sounds of the spoken message, and the spoken message, concatenated in such a way that it forms a unique and distinct identification that can not be duplicated except by the person who first spoke it; the present invention creates a fixed relationship between the voice print of the authorized telephone user and the telephone number such that if a different voice print is later associated with that same telephone number, the computer can differentiate and determine that the second relationship would be unauthorized.

Claim 12

A method of capturing information during a telephone call, which information can assist in the capture of persons committing telephone call fraud, the method comprising the following steps: the person attempting unauthorized use of a telephone or communicating device, hereinafter called the "Defrauder", must attempt to make the present invention conclude that the Defrauder is an authorized user of that telephone, and this Defrauder calls the present invention to obtain approval for the telephone call; the Defrauder is prompted to respond with voice and touch tone responses just as if he were the authorized telephone user; by comparing the voice print of the Defrauder speaking the authorized telephone user's name with the anchored voice print for the given telephone, the computer can determine that the Defrauder is not an authorized user of that telephone; or by comparing the touch tone responses of the Defrauder to the known personal, demographic and telephone records of the authorized telephone user which are anchored to the given telephone, the computer can determine that the Defrauder is not the authorized telephone user; or by comparing the voice responses of the Defrauder to the known personal, demographic and telephone records of the authorized user of that telephone which are anchored to the given telephone, the computer can determine that the Defrauder is not the authorized telephone user; or by comparing the voice responses of the Defrauder to the known personal, demographic and telephone records of the authorized telephone user which are anchored to the given telephone, a live operator can determine that the Defrauder is not the authorized telephone user; or by comparing the touch toned PIN responses of the Defrauder to the known correct PIN number of the authorized telephone user which are anchored to the given telephone, the computer can determine that the Defrauder is not the authorized telephone user; the present invention creates a Record Stamp, which is an information file on the computer, that ties all information captured during the transaction plus call detail records plus computer generated information resulting from data base relationships; the Record Stamp is archived in the computer memory, and the present invention can recall the Record Stamp from computer memory and replay the transaction to provide fraud investigators and law enforcement personnel and other approved persons all data generated during the actual transaction; the present invention creates a voice print of every caller as part of the Record Stamp information, and that voice print of the caller speaking the authorized telephone user's name, or name plus PIN number, becomes a positive identification of the Defrauder; the present invention can replay the Defrauder's voice print of the authorized telephone user's name; if a suspected Defrauder is apprehended, he can be asked to create a voice print of the authorized telephone user's name, or name and PIN number, and that voice print can be compared by the present invention with the actual Defrauder's voice print (captured during the fraudulent transaction), whereby the present invention can determine if the suspected Defrauder is actually the Defrauder.

Claim 14

A method of using a voice print of a person speaking his own name as a distinct and unique identification pattern to identify the person as authorized to enter a secure area or access confidential information and thereby control the access to a particular location or confidential information, and this method is comprised of the following steps: the person entitled to security clearance, personally identified and Supervised by authorized company personnel and in a secure approved location, calls the present invention via telephone and, at the prompt, speaks his full name or his name plus a PIN number; the Voice Response System (VRS) on the present invention, using Dialogic VR/40 and D/41D cards or the equivalent and Voice Control Systems' speaker verification software or the equivalent, captures what the person entitled to the security clearance says and creates a voice print file; the voice print file contains the voice characteristics of the speaker, the sounds of the spoken message, and the spoken message, concatenated in such a way that it forms a unique and distinct identification that can not be duplicated except by the person who first spoke it; the present invention creates a fixed relationship between the voice print of the security cleared person and the access to secured locations and confidential information such that if a different voice print is later associated with that same access, the computer can differentiate and determine that the second relationship would be unauthorized; when the security cleared person desires access to a secure location or confidential information, he is first asked to communicate with the present invention and speak the required voice print information, and also may be required to touch tone into a telephone keypad or otherwise enter his PIN number or other identifying code, into a microphone beside the access entrance; the present invention receives the spoken voice and entered impulses from the requested access location, compares that resulting voice print with a data base of voice prints authorized access at the requested access location, and determines if the requesting person is an authorized cleared person; if the requesting person is an authorized cleared person for the requested access location, the present invention signals the lock at the requested access location and access is permitted; if the requesting person is not an authorized cleared person for the requested access location, the present invention does not signal the lock at the requested access location and access is not permitted; if the requesting person is not an authorized cleared person for the requested access location, the present invention places the captured voice print of the requesting person into a separate file of denied voice prints, which file is available to authorized or law enforcement persons for the purpose of matching attempted unauthorized accesses to suspects.