Fraud Detection System and Method
A method, computer program product, and computing system for performing an assessment of initial input information, concerning a communication from a caller, to define an initial fraud-threat-level; if the initial fraud-threat-level is below a defined threat threshold, providing the communication to a recipient so that a conversation may occur between the recipient and the caller; performing an assessment of subsequent input information, concerning the conversation, to define a subsequent fraud-threat-level; and effectuating a targeted response based, at least in part, upon the subsequent fraud-threat-level, wherein the targeted response is intended to refine the subsequent fraud-threat-level.
1 . A computer-implemented method, executed on a computing device, comprising:
performing an assessment of initial input information, concerning a communication from a caller, to define an initial fraud-threat-level;
if the initial fraud-threat-level is below a defined threat threshold, providing the communication to a recipient so that a conversation may occur between the recipient and the caller;
performing an assessment of subsequent input information, concerning the conversation, to define a subsequent fraud-threat-level; and
effectuating a targeted response based, at least in part, upon the subsequent fraud-threat-level, wherein the targeted response is intended to refine the subsequent fraud-threat-level.
2 . The computer-implemented method of claim 1 further comprising:
if the initial fraud-threat-level is above the defined threat threshold, terminating the communication.
3 . The computer-implemented method of claim 1 wherein the recipient includes one or more of:
a high-fraud-risk specialist; and
a general-fraud-risk representative.
4 . The computer-implemented method of claim 1 wherein the initial input information includes one or more of:
third-party information; and
database information.
5 . The computer-implemented method of claim 1 wherein the subsequent input information includes one or more of:
a caller conversation portion;
a recipient conversation portion;
biometric information concerning the caller;
third-party information; and
database information.
6 . The computer-implemented method of claim 1 wherein the conversation includes one or more of:
a voice-based conversation between the caller and the recipient; and
a text-based conversation between the caller and the recipient.
7 . The computer-implemented method of claim 1 wherein performing an assessment of initial input information includes:
determining if the initial input information is indicative of fraudulent behavior.
8 . The computer-implemented method of claim 1 wherein performing an assessment of subsequent input information includes:
determining if the subsequent input information is indicative of fraudulent behavior.
9 . The computer-implemented method of claim 8 wherein determining if the subsequent input information is indicative of fraudulent behavior includes:
comparing the subsequent input information to a plurality of fraudulent behaviors.
10 . The computer-implemented method of claim 1 wherein effectuating a targeted response based, at least in part, upon the subsequent fraud-threat-level includes one or more of:
allowing the conversation to continue;
asking a question of the caller;
prompting the recipient to ask a question of the caller;
effectuating a transfer from the recipient to a high-fraud-risk specialist; and
ending the conversation between the caller and the recipient.
11 . A computer program product residing on a computer readable medium having a plurality of instructions stored thereon which, when executed by a processor, cause the processor to perform operations comprising:
performing an assessment of initial input information, concerning a communication from a caller, to define an initial fraud-threat-level;
if the initial fraud-threat-level is below a defined threat threshold, providing the communication to a recipient so that a conversation may occur between the recipient and the caller;
performing an assessment of subsequent input information, concerning the conversation, to define a subsequent fraud-threat-level; and
effectuating a targeted response based, at least in part, upon the subsequent fraud-threat-level, wherein the targeted response is intended to refine the subsequent fraud-threat-level.
12 . The computer program product of claim 11 further comprising:
if the initial fraud-threat-level is above the defined threat threshold, terminating the communication.
13 . The computer program product of claim 11 wherein the recipient includes one or more of:
a high-fraud-risk specialist; and
a general-fraud-risk representative.
14 . The computer program product of claim 11 wherein the initial input information includes one or more of:
third-party information; and
database information.
15 . The computer program product of claim 11 wherein the subsequent input information includes one or more of:
a caller conversation portion;
a recipient conversation portion;
biometric information concerning the caller;
third-party information; and
database information.
16 . The computer program product of claim 11 wherein the conversation includes one or more of:
a voice-based conversation between the caller and the recipient; and
a text-based conversation between the caller and the recipient.
17 . The computer program product of claim 11 wherein performing an assessment of initial input information includes:
determining if the initial input information is indicative of fraudulent behavior.
18 . The computer program product of claim 11 wherein performing an assessment of subsequent input information includes:
determining if the subsequent input information is indicative of fraudulent behavior.
19 . The computer program product of claim 18 wherein determining if the subsequent input information is indicative of fraudulent behavior includes:
comparing the subsequent input information to a plurality of fraudulent behaviors.
20 . The computer program product of claim 11 wherein effectuating a targeted response based, at least in part, upon the subsequent fraud-threat-level includes one or more of:
allowing the conversation to continue;
asking a question of the caller;
prompting the recipient to ask a question of the caller;
effectuating a transfer from the recipient to a high-fraud-risk specialist; and
ending the conversation between the caller and the recipient.
21 . A computing system including a processor and memory configured to perform operations comprising:
performing an assessment of initial input information, concerning a communication from a caller, to define an initial fraud-threat-level;
if the initial fraud-threat-level is below a defined threat threshold, providing the communication to a recipient so that a conversation may occur between the recipient and the caller;
performing an assessment of subsequent input information, concerning the conversation, to define a subsequent fraud-threat-level; and
effectuating a targeted response based, at least in part, upon the subsequent fraud-threat-level, wherein the targeted response is intended to refine the subsequent fraud-threat-level.
22 . The computing system of claim 21 further comprising:
if the initial fraud-threat-level is above the defined threat threshold, terminating the communication.
23 . The computing system of claim 21 wherein the recipient includes one or more of:
a high-fraud-risk specialist; and
a general-fraud-risk representative.
24 . The computing system of claim 21 wherein the initial input information includes one or more of:
third-party information; and
database information.
25 . The computing system of claim 21 wherein the subsequent input information includes one or more of:
a caller conversation portion;
a recipient conversation portion;
biometric information concerning the caller;
third-party information; and
database information.
26 . The computing system of claim 21 wherein the conversation includes one or more of:
a voice-based conversation between the caller and the recipient; and
a text-based conversation between the caller and the recipient.
27 . The computing system of claim 21 wherein performing an assessment of initial input information includes:
determining if the initial input information is indicative of fraudulent behavior.
28 . The computing system of claim 21 wherein performing an assessment of subsequent input information includes:
determining if the subsequent input information is indicative of fraudulent behavior.
29 . The computing system of claim 28 wherein determining if the subsequent input information is indicative of fraudulent behavior includes:
comparing the subsequent input information to a plurality of fraudulent behaviors.
30 . The computing system of claim 21 wherein effectuating a targeted response based, at least in part, upon the subsequent fraud-threat-level includes one or more of:
allowing the conversation to continue;
asking a question of the caller;
prompting the recipient to ask a question of the caller;
effectuating a transfer from the recipient to a high-fraud-risk specialist; and
ending the conversation between the caller and the recipient.