BEHAVIORAL APPLICATION DETECTION SYSTEM
The present invention provides a system and a method for detecting or determining a possible fraudulent information provided by a subject using the subject's behavioral biometric during an application filing process using an electronic input device.
1 . An intent detection method, said method comprising:
receiving electronic input device usage characteristic data of a subject during a subject's data entry;
generating a baseline model using population input device usage characteristic data; and
predicting the subject's intent on the basis of the baseline model.
2 . The method of claim 1 , wherein the electronic input device usage characteristic data is collected from one or more of a mouse, a touchpad, a touchscreen, a keyboard, a microphone, a stylus, a track ball, a pointer device, a camera, a joystick, or a movement sensor.
3 . The method of claim 1 , wherein predicting the subject's intent is one of predicting whether a subject is considering changing an answer, predicting whether a subject is considering a false answer, or predicting whether a subject will complete data entry on a form.
4 . The method of claim 1 , wherein the input device characteristic data is one or more of the subject's keystrokes, pointer movements, or behavior characteristics.
5 . The method of claim 1 , wherein the baseline model further uses the subject's input usage characteristic data.
6 . The method of claim 1 , wherein the baseline model is further used to calculate a confidence score for each subject.
7 . The method of claim 1 , wherein the system further uses the subject's electronic input device usage characteristic data to determine the subject's progress in data entry on an electronic form.
8 . The method of claim 7 , wherein the electronic form is used for a credit application, an insurance application, a job application, or a loan application.
9 . The method of claim 1 , wherein the electronic input device usage characteristic data is one or more of keyboard dynamics or pointing device dynamics.
10 . The method of claim 1 , further comprising storing the subject's electronic input device usage characteristic data and associating said data with the subject.
11 . An intent detection system for a subject, wherein a processing device:
receives electronic input device usage characteristic data of a subject during a subject's data entry;
generates a baseline model using population input device usage characteristic data; and
predicts the subject's intent on the basis of the baseline model.
12 . The system of claim 11 , wherein the electronic input device usage characteristic data is collected from one or more of a mouse, a touchpad, a touchscreen, a keyboard, a microphone, a stylus, a track ball, a pointer device, a camera, a joystick, or a movement sensor.
13 . The system of claim 11 , wherein predicting the subject's intent is one of predicting whether a subject is considering changing an answer, predicting whether a subject is considering a false answer, or predicting whether a subject will complete data entry on a form.
14 . The system of claim 11 , wherein the input device characteristic data is one or more of the subject's keystrokes, pointer movements, or behavior characteristics.
15 . The system of claim 11 , wherein the baseline model further uses the subject's input usage characteristic data.
16 . The system of claim 11 , wherein the baseline model is further used to calculate a confidence score for each subject.
17 . The system of claim 11 , wherein the system further uses the subject's electronic input device usage characteristic data to determine the subject's progress in data entry on an electronic form.
18 . The system of claim 17 , wherein the electronic form is used for one of a credit application, an insurance application, a job application, or a loan application.
19 . The system of claim 11 , wherein the electronic input device usage characteristic data is one or more of keyboard dynamics or pointing device dynamics.
20 . The system of claim 11 , wherein the system further stores the subject's electronic input device usage characteristic data and associates said data with the subject