Apparatus and method for credit based management of telecommunication activity
The present invention provides an apparatus for credit based management of a telecommunication system. One embodiment of the apparatus includes an interface for communicating credit information on a particular subscriber and for receiving call records for the particular subscriber that are derived from a switch which establishes connections between telecommunication devices. A credit limit device then utilizes the credit information to establish a credit limit for the subscriber. The apparatus also includes a device for comparing the particular subscriber's call usage to a credit limit established for the subscriber based on information obtained from the credit bureau. An output device is used to provide an indication that the subscriber has exceeded their credit limit. Another embodiment of the apparatus, includes a device for, upon expiration of a predetermined time period, contacting the credit bureau to obtain a new credit score for a subscriber and use this score to update the subscriber's credit limit.
1. For managing the risk that a subscriber will avoid paying a bill for that subscriber's use of a provider's telecommunication system, a method that comprises employing a digital computer to:
A) obtain, for a subscriber that could potentially avoid paying for use of a provider's telecommunication system, a credit score by communicating with a credit-information source concerning information relating to said subscriber;
B) use said credit score to establish a credit limit for said subscriber;
wherein the credit limit comprises a usage limit on monthly usage of the telecommunication system by the subscriber;
C) receive, for each of at least some calls involving said subscriber, a call information record derived from information compiled by a switching center that is capable of establishing connections between a plurality of pairs of telecommunication devices and simultaneously maintaining such connections;
D) use said call-information record to compare said subscriber's call usage to said credit limit for said subscriber; and
E) generate an alert if said subscriber's call usage exceeds said credit limit for said particular subscriber.
2. The method of claim 1 , further comprising the computer-implemented steps of obtaining and retaining a plurality of credit scores associated with the subscriber, identifying a pattern in said plurality of said credit scores, and analyzing said pattern to identify potentially fraudulent telecommunication activity.
3. The method of claim 1 , further comprising the computer-implemented steps of using said call information record and one or more other call information records in analyzing call usage associated with the subscriber to identify potentially fraudulent telecommunication activity, displaying information generated during the analyzing, including identifying a type of the potentially fraudulent telecommunication activity as at least one of: a velocity event, a duration event, a velocity threshold event, a suspect number event, a suspect country event, a credit event, and an overlap calls event.
4. The method of claim 3 , wherein the displaying comprises displaying a graph of a pattern of usage associated with the subscriber.
5. The method of claim 3 , wherein the displaying comprises displaying a graph of a call velocity associated with the subscriber over a period of time.
6. The method of claim 3 , further comprising the computer-implemented steps of detecting an occurrence of overlapped calls using the call information records for each of at least two calls, said occurrence of overlapped calls indicating that calls associated with the subscriber were placed in an improbable time sequence that indicates potentially fraudulent call activity; and outputting an indication of the overlapped calls.
7. The method of claim 6 , wherein the detecting comprises detecting an occurrence of the overlapped calls that are substantially simultaneous calls.
8. The method of claim 6 , wherein the detecting comprises detecting an occurrence of the overlapped calls after consideration of geographic dispersion related information derived from the call information records for the at least two calls.
9. A storage medium containing machine instructions readable by a computer system to configure the computer system to:
A) obtain, for a subscriber that could potentially avoid paying for use of a provider's telecommunication system, a credit score by communicating with a credit-information source concerning information relating to said subscriber;
B) use said credit score to establish a credit limit for said subscriber;
wherein the credit limit comprises a usage limit on monthly usage of the telecommunication system by the subscriber;
C) receive, for each of at least some calls involving said subscriber, a call information record derived from information compiled by a switching center that is capable of establishing connections between a plurality of pairs of telecommunication devices and simultaneously maintaining such connections;
D) use said call-information record to compare said subscriber's call usage to said credit limit for said subscriber; and
E) generate an alert if said subscriber's call usage exceeds said credit limit for said particular subscriber.
10. The storage medium of claim 9 , further comprising machine instructions readable by the computer to configure the computer to perform obtaining and retaining a plurality of credit scores associated with the subscriber, identifying a pattern in said plurality of said credit scores, and analyzing said pattern to identify potentially fraudulent telecommunication activity.
11. The storage medium of claim 9 , further comprising machine instructions readable by the computer to configure the computer to perform using said call information record and one or more other call information records in analyzing call usage associated with the subscriber to identify potentially fraudulent telecommunication activity, displaying information generated during the analyzing, including identifying a type of the potentially fraudulent telecommunication activity as at least one of: a velocity event, a duration event, a velocity threshold event, a suspect number event, a suspect country event, a credit event, and an overlap calls event.
12. The storage medium of claim 11 , wherein the displaying comprises displaying a graph of a pattern of usage associated with the subscriber.
13. The storage medium of claim 11 , wherein the displaying comprises displaying a graph of a call velocity associated with the subscriber over a period of time.
14. The storage medium of claim 11 , further comprising the computer-implemented steps of detecting an occurrence of overlapped calls using the call information records for each of at least two calls, said occurrence of overlapped calls indicating that calls associated with the subscriber were placed in an improbable time sequence that indicates potentially fraudulent call activity; and outputting an indication of the overlapped calls.
15. The storage medium of claim 14 , wherein the detecting comprises detecting an occurrence of the overlapped calls that are substantially simultaneous calls.
16. The storage medium of claim 14 , wherein the detecting comprises detecting an occurrence of the overlapped calls after consideration of geographic dispersion related information derived from the call information records for the at least two calls.