Decentralized automatic phone fraud risk management
View Patent ↗Disclosed herein are methods, systems, and apparatus, including computer programs encoded on computer storage media, for phone fraud prevention. One of the methods includes adding a first identifier of a first phone event of a first user into a blockchain managed by one or more devices on a decentralized network. The first identifier of the first phone event is classified into a list of phone fraud identifiers. A second identifier of a second phone event involving a second user is received. The second identifier is compared with the list of phone fraud identifiers that includes the first identifier. In a case where the second identifier matches a phone fraud identifier in the list of phone fraud identifiers, the first user is notified that the second phone event involves a risk of phone fraud.
1. A computer-implemented method, the method comprising:
receiving a first identifier of a first phone event involving a first user;
comparing the first identifier with a list of phone fraud identifiers stored in a blockchain managed by one or more devices on a decentralized network; and
in response to the first identifier matches a phone fraud identifier in the list of phone fraud identifiers, notifying the first user that the first phone event involves a risk of phone fraud;
receiving a second identifier of a second phone event involving a second user and a behavior of the second user in the second phone event;
adding the second identifier the blockchain based on the behavior of the second user in the second phone event;
accumulating a number of times the second identifier has been added to the blockchain; and
comparing the number of times with a threshold number to determine whether the second identifier is classified into the list of phone fraud identifiers.
2. The method of claim 1 , wherein the second identifier includes a caller identification of the second phone event or a fingerprint of the second phone event.
3. The method of claim 2 , wherein the fingerprint of the second phone event includes an audio characteristic of the second phone event.
4. The method of claim 1 , wherein the second identifier is received from the second user based on a smart contract stored in the blockchain.
5. The method of claim 1 , further comprising adding a second user behavior with respect to the second phone event into the blockchain.
6. The method of claim 1 , wherein the second identifier is received directly from the second user.
7. The method of claim 1 , wherein the behavior of the second user includes one or more of the second user turning off a call within a preset period of time after picking up the call, the second user leaving a call unanswered, the second user silencing a call, or the second user deleting a message within a period of time after reading the message.
8. The method of claim 1 , comprising determining whether the second user treats the second phone event as a fraudulent event based on the behavior of the second user.
9. The method of claim 1 , comprising automatically detecting the behavior of the second user by a user terminal of the second user that is linked to the blockchain through a device of the one or more devices of the decentralized network.
10. A system, comprising:
one or more processors; and
one or more computer-readable memories coupled to the one or more processors and having instructions stored thereon that are executable by the one or more processors to perform acts including:
receiving a first identifier of a first phone event involving a first user;
comparing the first identifier with a list of phone fraud identifiers stored in a blockchain managed by one or more nodes on a blockchain network;
in response to the first identifier matches a phone fraud identifier in the list of phone fraud identifiers, notifying the first user that the first phone event involves a risk of phone fraud;
receiving a second identifier of a second phone event involving a second user and a behavior of the second user in the second phone event;
adding the second identifier to the blockchain based on the behavior of the second user in the second phone event;
accumulating a number of times the second identifier has been added to the blockchain; and
comparing the number of times with a threshold number to determine whether the second identifier is classified into the list of phone fraud identifiers.
11. The system of claim 10 , wherein the second identifier includes a caller identification of the second phone event or a fingerprint of the second phone event.
12. The system of claim 11 , wherein the fingerprint of the second phone event includes an audio characteristic of the second phone event.
13. The system of claim 10 , wherein the second identifier is received from the second user based on a smart contract stored in the blockchain.
14. The system of claim 10 , wherein the acts include adding a second user behavior with respect to the second phone event into the blockchain.
15. The system of claim 10 , wherein the second identifier is received directly from the second user.
16. The system of claim 10 , wherein the behavior of the second user includes one or more of the second user turning off a call within a first preset period of time after picking up the call, the second user leaving a call unanswered, the second user silencing a call, or the second user deleting a message within a second preset period of time after reading the message.
17. The system of claim 10 , wherein the acts include determining whether the second user treats the second phone event as a fraudulent event based on the behavior of the second user.
18. The system of claim 10 , wherein the behavior of the second user is automatically detected by a user terminal of the second user that is linked to the blockchain through a device of the one or more nodes of the blockchain network.