WO2004109657B1 - Speaker recognition in a multi-speaker environment and comparison of several voice prints to many - Google Patents

Speaker recognition in a multi-speaker environment and comparison of several voice prints to many

Info

Publication number
WO2004109657B1
WO2004109657B1 PCT/US2004/015252 US2004015252W WO2004109657B1 WO 2004109657 B1 WO2004109657 B1 WO 2004109657B1 US 2004015252 W US2004015252 W US 2004015252W WO 2004109657 B1 WO2004109657 B1 WO 2004109657B1
Authority
WO
WIPO (PCT)
Prior art keywords
voice
caller
prints
print
agent
Prior art date
Application number
PCT/US2004/015252
Other languages
French (fr)
Other versions
WO2004109657A3 (en
WO2004109657A2 (en
Inventor
Vicki Broman
Vernon Marshall
Seshasayee Bellamkonda
Marcel Leyva
Cynthia Hanson
Original Assignee
American Express Travel Relate
Vicki Broman
Vernon Marshall
Seshasayee Bellamkonda
Marcel Leyva
Cynthia Hanson
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by American Express Travel Relate, Vicki Broman, Vernon Marshall, Seshasayee Bellamkonda, Marcel Leyva, Cynthia Hanson filed Critical American Express Travel Relate
Priority to AU2004246586A priority Critical patent/AU2004246586B2/en
Priority to MXPA05012902A priority patent/MXPA05012902A/en
Priority to CA2524226A priority patent/CA2524226C/en
Publication of WO2004109657A2 publication Critical patent/WO2004109657A2/en
Publication of WO2004109657A3 publication Critical patent/WO2004109657A3/en
Publication of WO2004109657B1 publication Critical patent/WO2004109657B1/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/355—Personalisation of cards for use
    • G06Q20/3558—Preliminary personalisation for transfer to user
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G10—MUSICAL INSTRUMENTS; ACOUSTICS
    • G10L—SPEECH ANALYSIS OR SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING; SPEECH OR AUDIO CODING OR DECODING
    • G10L17/00—Speaker identification or verification

Abstract

One-to-many comparisons of callers' voice prints with known voice prints to identify any matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract at least a portion of the customer's voice to create a customer voice print, and it formats the segmented voice print for network transmission to a server. The server compares the customer's voice print with multiple known voice prints to determine any matches, meaning that the customer's voice print and one of the known voice prints are likely from the same person. The identification of any matches can be used for a variety of purposes, such as determining whether to authorize a transaction requested by the customer.

Claims

AMENDED CLAIMS [Received by the International Bureau on 12 October 2005 (12.10.2005): original claims 1-14 are cancelled ; new claims 1-10 are added.]
1. A method for facilitating an analysis of a voice of a caller to determine a potential match with known voice prints, comprising: receiving a communication from β said caller during a call; recording an electronic representation of at least a portion of a said voice of said caller and a voice of an agent receiving said call; segmenting at least a portion of said electronic representation such that said voice of said caller can be separated from said voice of said agent to produce a caller voice print; comparing at least a portion of said caller voice print with said known voice prints to determine if said caller voice print matches any of said known voice prints; and outputting an indication of said comparison, said indication comprising an electronic report.
2. The method of claim 1 , further including: formatting &aid caller voice print into a file for network transmission; and transmitting said file over a network.
3. The method of claim 1 wherein said outputting step includes outputting said electronic report providing which of said known voice prints matches said caller voice print.
4. The method of claim 1, further including using said indication to determine whether to authorize a transaction requested by said caller.
5. The method of claim 1 , further including: performing the said recording and segmenting steps for a plurality of voices of callers to produce plurality of caller voice prints; and performing said comparing step using a batch process to compare each of said plurality of caller voice prints with each of said known voice prints.
6. The method of claim 1 wherein said comparing step includes comparing said caller voice print with a plurality of voice prints known to be associated with attempted fraudulent transactions.
20
7. The method of claim 1, wherein said segmenting step includes detecting said voice of said caller within said electronic representation, distinct from said voice of said agent, and removing at least a portion of said voice of said caller in said electronic representation to produce said caller voice print.
8. The method of claim 1 wherein said comparing step includes determining a match based upon a probability, greater than a particular threshold, that said caller voice print and one of said known voice prints are from a voice of a same person.
9. An apparatus for facilitating an analysis of a voice of a caller to determine a potential match with known voice prints, comprising: a module for receiving, via a communications network, a communication from said caller during a call; a module for recording at least a portion of an electronic representation of said voice of said caller and voice of an agent receiving said call; a module for segmenting at least a portion of said electronic representation of said voice of said caller from said voice of said agent to produce a caller voice print; a module for comparing at least a portion of said caller voice print with said known voice prints to determine if said caller voice print matches any of said known voice prints to form a comparison; and a module for outputting, via a network, an indication of said comparison, said indication comprising an electronic report.
10. A method for detecting fraud with respect to a transaction card account, said method comprising the steps of: receiving a call from a caller, wherein said call is handled by an agent; recording an electronic representation of at least a portion of said call between said caller and said agent; segmenting at least a portion of said electronic representation such that a voice of said caller can be separated from a voice of said agent to produce a caller voice print; comparing at least a portion of said caller voice print with a plurality of known voice prints to determine' whether said caller voice print matches any of said plurality of known voice prints; and performing an action related to said transaction card account when said determining step is negative, wherein said action is at least one of: opening said transaction card account, closing said transaction card account, opening a transaction account related to said transaction card account, changing demographic information related to said transaction card account and changing financial information related to said transaction card account.
22
PCT/US2004/015252 2003-05-30 2004-05-17 Speaker recognition in a multi-speaker environment and comparison of several voice prints to many WO2004109657A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
AU2004246586A AU2004246586B2 (en) 2003-05-30 2004-05-17 Speaker recognition in a multi-speaker environment and comparison of several voice prints to many
MXPA05012902A MXPA05012902A (en) 2003-05-30 2004-05-17 Speaker recognition in a multi-speaker environment and comparison of several voice prints to many.
CA2524226A CA2524226C (en) 2003-05-30 2004-05-17 Speaker recognition in a multi-speaker environment and comparison of several voice prints to many

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US10/448,552 US7299177B2 (en) 2003-05-30 2003-05-30 Speaker recognition in a multi-speaker environment and comparison of several voice prints to many
US10/448,552 2003-05-30

Publications (3)

Publication Number Publication Date
WO2004109657A2 WO2004109657A2 (en) 2004-12-16
WO2004109657A3 WO2004109657A3 (en) 2005-10-27
WO2004109657B1 true WO2004109657B1 (en) 2005-12-29

Family

ID=33451516

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2004/015252 WO2004109657A2 (en) 2003-05-30 2004-05-17 Speaker recognition in a multi-speaker environment and comparison of several voice prints to many

Country Status (5)

Country Link
US (6) US7299177B2 (en)
AU (1) AU2004246586B2 (en)
CA (1) CA2524226C (en)
MX (1) MXPA05012902A (en)
WO (1) WO2004109657A2 (en)

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US7299177B2 (en) 2007-11-20
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US20160042349A1 (en) 2016-02-11
US20100278317A1 (en) 2010-11-04
US9111407B2 (en) 2015-08-18
US9852424B2 (en) 2017-12-26
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US8036892B2 (en) 2011-10-11
US7778832B2 (en) 2010-08-17
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US20110320200A1 (en) 2011-12-29
MXPA05012902A (en) 2006-02-22

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