Abstract: Embodiments described herein provide for audio processing operations that evaluate characteristics of audio signals that are independent of the speaker's voice. A neural network architecture trains and applies discriminatory neural networks tasked with modeling and classifying speaker-independent characteristics. The task-specific models generate or extract feature vectors from input audio data based on the trained embedding extraction models. The embeddings from the task-specific models are concatenated to form a deep-phoneprint vector for the input audio signal. The DP vector is a low dimensional representation of the each of the speaker-independent characteristics of the audio signal and applied in various downstream operations.

Abstract: Embodiments described herein provide for a computer that detects one or more keywords of interest using acoustic features, to detect or query commonalities across multiple fraud calls. Embodiments described herein may implement unsupervised keyword spotting (UKWS) or unsupervised word discovery (UWD) in order to identify commonalities across a set of calls, where both UKWS and UWD employ Gaussian Mixture Models (GMM) and one or more dynamic time-warping algorithms. A user may indicate a training exemplar or occurrence of call-specific information, referred to herein as “a named entity,” such as a person's name, an account number, account balance, or order number. The computer may perform a redaction process that computationally nullifies the import of the named entity in the modeling processes described herein.

Abstract: Embodiments include a computing device that executes software routines and/or one or more machine-learning architectures providing improved omni-channel authentication solutions. Embodiments include one or more computing devices that provide an authentication interface by which various communication channels may deposit contact or session data received via a first-channel session into a non-transitory storage medium of an authentication database for another channel to obtain and employ (e.g., verify users). This allows the customer to access an online data channel and enter the contact center through a telephony communication channel, but further allows the enterprise contact center systems to passively maintain access to various types of information about the user's identity captured from each contact channel, allowing the call center to request or capture authenticating information (e.g.

Abstract: Embodiments described herein provide for a fraud detection engine for detecting various types of fraud at a call center and a fraud importance engine for tailoring the fraud detection operations to relative importance of fraud events. Fraud importance engine determines which fraud events are comparative more important than others. The fraud detection engine comprises machine-learning models that consume contact data and fraud importance information for various anti-fraud processes. The fraud importance engine calculates importance scores for fraud events based on user-customized attributes, such as fraud-type or fraud activity. The fraud importance scores are used in various processes, such as model training, model selection, and selecting weights or hyper-parameters for the ML models, among others. The fraud detection engine uses the importance scores to prioritize fraud alerts for review.

Abstract: Embodiments described herein provide for passive caller verification and/or passive fraud risk assessments for calls to customer call centers. Systems and methods may be used in real time as a call is coming into a call center. An analytics server of an analytics service looks at the purported Caller ID of the call, as well as the unaltered carrier metadata, which the analytics server then uses to generate or retrieve one or more probability scores using one or more lookup tables and/or a machine-learning model. A probability score indicates the likelihood that information derived using the Caller ID information has occurred or should occur given the carrier metadata received with the inbound call. The one or more probability scores be used to generate a risk score for the current call that indicates the probability of the call being valid (e.g., originated from a verified caller or calling device, non-fraudulent).

Abstract: Disclosed are systems and methods including computing-processes, which may include layers of machine-learning architectures, for assessing risk for calls directed to call center systems using carrier signaling metadata. A computer evaluates carrier signaling metadata to perform various new risk-scoring techniques to determine riskiness of calls and authenticate calls. When determining a risk score for an incoming call is received at a call center system, the computer may obtain certain metadata values from inbound metadata, prior call metadata, or from third-party telecommunications services and executes processes for determining the risk score for the call. The risk score operations include several scoring components, including appliance print scoring, carrier detection scoring, ANI location detection scoring, location similarity scoring, and JIP-ANI location similarity scoring, among others.

Abstract: Embodiments described herein provide for detecting whether an Automatic Number Identification (ANI) associated with an incoming call is a gateway, according to rules-based models and machine learning models generated by the computer using call data stored in one or more databases.

Abstract: Embodiments described herein provide for systems and methods for implementing a neural network architecture for spoof detection in audio signals. The neural network architecture contains a layers defining embedding extractors that extract embeddings from input audio signals. Spoofprint embeddings are generated for particular system enrollees to detect attempts to spoof the enrollee's voice. Optionally, voiceprint embeddings are generated for the system enrollees to recognize the enrollee's voice. The voiceprints are extracted using features related to the enrollee's voice. The spoofprints are extracted using features related to features of how the enrollee speaks and other artifacts. The spoofprints facilitate detection of efforts to fool voice biometrics using synthesized speech (e.g., deepfakes) that spoof and emulate the enrollee's voice.

Abstract: 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.

Abstract: Embodiments described herein provide for a computer that detects one or more keywords of interest using acoustic features, to detect or query commonalities across multiple fraud calls. Embodiments described herein may implement unsupervised keyword spotting (UKWS) or unsupervised word discovery (UWD) in order to identify commonalities across a set of calls, where both UKWS and UWD employ Gaussian Mixture Models (GMM) and one or more dynamic time-warping algorithms. A user may indicate a training exemplar or occurrence of call-specific information, referred to herein as “a named entity,” such as a person's name, an account number, account balance, or order number. The computer may perform a redaction process that computationally nullifies the import of the named entity in the modeling processes described herein.

Abstract: Utterances of at least two speakers in a speech signal may be distinguished and the associated speaker identified by use of diarization together with automatic speech recognition of identifying words and phrases commonly in the speech signal. The diarization process clusters turns of the conversation while recognized special form phrases and entity names identify the speakers. A trained probabilistic model deduces which entity name(s) correspond to the clusters.

Abstract: Embodiments described herein provide for a voice biometrics system execute machine-learning architectures capable of passive, active, continuous, or static operations, or a combination thereof. Systems passively and/or continuously, in some cases in addition to actively and/or statically, enrolling speakers. The system may dynamically generate and update profiles corresponding to end-users who contact a call center. The system may determine a level of enrollment for the enrollee profiles that limits the types of functions that the user may access. The system may update the profiles as new contact events are received or based on certain temporal triggering conditions.

Abstract: A system for generating channel-compensated features of a speech signal includes a channel noise simulator that degrades the speech signal, a feed forward convolutional neural network (CNN) that generates channel-compensated features of the degraded speech signal, and a loss function that computes a difference between the channel-compensated features and handcrafted features for the same raw speech signal. Each loss result may be used to update connection weights of the CNN until a predetermined threshold loss is satisfied, and the CNN may be used as a front-end for a deep neural network (DNN) for speaker recognition/verification. The DNN may include convolutional layers, a bottleneck features layer, multiple fully-connected layers, and an output layer. The bottleneck features may be used to update connection weights of the convolutional layers, and dropout may be applied to the convolutional layers.

Abstract: A computer may segment a noisy audio signal into audio frames and execute a deep neural network (DNN) to estimate an instantaneous function of clean speech spectrum and noisy audio spectrum in the audio frame. This instantaneous function may correspond to a ratio of an a-priori signal to noise ratio (SNR) and an a-posteriori SNR of the audio frame. The computer may add estimated instantaneous function to the original noisy audio frame to output an enhanced speech audio frame.

Abstract: A method of obtaining and automatically providing secure authentication information includes registering a client device over a data line, storing information and a changeable value for authentication in subsequent telephone-only transactions. In the subsequent transactions, a telephone call placed from the client device to an interactive voice response server is intercepted and modified to include dialing of a delay and at least a passcode, the passcode being based on the unique information and the changeable value, where the changeable value is updated for every call session. The interactive voice response server forwards the passcode and a client device identifier to an authentication function, which compares the received passcode to plural passcodes generated based on information and iterations of a value stored in correspondence with the client device identifier. Authentication is confirmed when a generated passcode matches the passcode from the client device.

Abstract: Embodiments described herein provide for evaluating call metadata and certificates of inbound calls for authentication. The computer identifies a service provider indicated by the SPID and/or the ANI (or other identifier) of the metadata and identifies a service provider indicated by the SPID and/or ANI (or other identifier) of the certificate, then compares identities of the service providers and/or compares the data values associated with the service providers (e.g., SPIDs, ANIs). Based on this comparison, the computer determines whether the service provider that signed the certificate is first-party signer (e.g., carrier) for the ANI or a third-party signer that is signing certificates as the first-party signer for the ANI.

Abstract: Systems and methods for call detail record (CDR) analysis to determine a risk score for a call and identify fraudulent activity and for fraud detection in Interactive Voice Response (IVR) systems. An example method may store information extracted from received calls. Queries of the stored information may be performed to select data using keys, wherein each key relates to one of the received calls, and wherein the queries are parallelized. The selected data may be transformed into feature vectors, wherein each feature vector relates to one of the received calls and includes a velocity feature and at least one of a behavior feature or a reputation feature. A risk score for the call may be generated during the call based on the feature vectors.

Abstract: Embodiments described herein provide for systems and methods for verifying authentic JIPs associated with ANIs using CLLIs known to be associated with the ANIs, allowing a computer to authenticate calls using the verified JIPs, among various factors. The computer builds a trust model for JIPs by correlating unique CLLIs to JIPs. A malicious actor might spoof numerous ANIs mapped to a single CLLI, but the malicious actor is unlikely to spoof multiple CLLIs due to the complexity of spoofing the volumes of ANIs associated with multiple CLLIs, so the CLLIs can be trusted when determining whether a JIP is authentic. The computer identifies an authentic JIP when the trust model indicates that a number of CLLIs associated with the JIP satisfies one or more thresholds. A machine-learning architecture references the fact that the JIP is authentic as an authentication factor for downstream call authentication functions.

Abstract: Systems and methods may generate, by a computer, a voice model for an enrollee based upon a set of one or more features extracted from a first audio sample received at a first time; receive at a second time a second audio sample associated with a caller; generate a likelihood score for the second audio sample by applying the voice model associated with the enrollee on the set of features extracted from the second audio sample associated with the caller, the likelihood score indicating a likelihood that the caller is the enrollee; calibrate the likelihood score based upon a time interval from the first time to the second time and at least one of: an enrollee age at the first time and an enrollee gender; and authenticate the caller as the enrollee upon the computer determining that the likelihood score satisfies a predetermined threshold score.

Abstract: 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.