Technical Field

The present invention relates to a system for calculating the probability of a person to damage the said company by analysing the mood (emotional state) of a person having a conversation with companies in the financial area during the interview.

Background of the Invention

Firms, companies and institutions make a loss financially due to the fact that actions are performed in all areas such as fraud, forgery today. Today, even if companies reduce the probability of being defrauded by carrying out their financial transactions electronically, there is always a probability of being defrauded for companies. Defrauders target banks wherein monetary movements are provided more compared to other areas. Defrauders may introduce themselves to bank employees as bona fide customers by taking advantage of gaps in financial regulations or creating forged document. Banks may grant loan to defrauders who pretend to be in good faith. However, defrauders disappear without paying their debts to banks. In the state of the art, it is estimated whether persons may perform fraudulent activities in the future or not by examining historical risk, criminal record, traffic infringement data of persons. However, there is no solution which calculates the probability of the said person to perform fraudulent activities by combining and analysing the person’s audio, video and criminal record data in the state of the art. Due to above-mentioned reasons, there is need for a system which analyses data about speech, image of persons -who contact a company, firm- during their communication with the said company together with the criminal record information of the said persons and then calculates the probability of the persons contacting the company to perform a fraud action, enables to detect persons who may perform suspicious actions.

The United States patent document no. US20170006161, an application in the state of the art, discloses a system for providing support to customer representatives in customer service centers. The system in the said invention enables to compile communication data of customers who access customer service centers, to create a customer profile from the historical information of the customer by processing their communication data by means of an artificial intelligence engine, to use the customer profile in future communications and to update the customer profile by means of an artificial intelligence engine following each communication. In the current invention, specific words and phrases used by customers can be determined and the customer behaviors can be examined, while the customer data are being processed by means of an artificial intelligence engine.

Summary of the Invention

An objective of the present invention is to realize a system which analyses data about speech, image of persons -who contact a company, firm- during their communication with the said company by means of artificial intelligence algorithms together with the criminal record information of the said persons and then calculates the probability of the persons contacting the company to perform a fraud action, enables to mark the persons who are most likely to perform a fraudulent action as a suspect by a call center staff and to detect persons who may perform suspicious actions. Detailed Description of the Invention

“A System for Detecting Persons who may Perform Suspicious Actions” realized to fulfill the objective of the present invention is shown in the figure attached, in which:

Figure 1 is a schematic view of the inventive system for detecting persons who may perform suspicious actions.

The components illustrated in the figure are individually numbered, where the numbers refer to the following:

1. System

2. First electronic device

3. Second electronic device

4. Database

5. Server

B. Bank

U. Customer

O. Operator

ES. External server

The inventive system (1) for calculating the probability of a person to damage the said company by analysing the mood of a person having a conversation with companies in the financial area during the interview and for detecting persons who may perform suspicious actions comprises: at least one first electronic device (2) which is configured to enable the customer (U) to make contact with the bank (B) over at least one communication network; at least one second electronic device (3) which is in association with the call center included in the bank (B), configured to answer the customer (U) calls transmitted from the call centers and to enable the customer (U) and the operator (O) to communicate in an audio and/or visual way; at least one database (4) which is configured to store the records of communications realized by the operators (O) with the customers (U) in an audio and/or visual way, by getting in contact with at least one second electronic device (3); and at least one server (5) which communicates with the database (4) and the external server (ES) and is configured to detect the mood of the customer by analysing the audio and/or video records that are included in the database (4) and performed by the customer (U) with the operator (O), by means of artificial intelligence algorithms; to access the data in the criminal records of the customer (U) whose mood is detected, over the external server (ES); to detect the probability of the customer (U) to defraud bank (B), by analysing the mood data of the said customer (U) together with the data in his/her criminal records.

The first electronic device (2) included in the inventive system (1) is a smart device such as mobile phone, tablet or computer that is used by the customer (U) and configured to enable the customer (U) to communicate with other persons and/or the bank (B). The first electronic device (2) is configured to enable the customer (U) to initiate a video call with the operator (O) located in the call center of the bank (B), by means of the hardware included on it.

The second electronic device (3) included in the inventive system (1) is a smart device such as mobile phone, tablet or computer that is configured to ensure that calls, video calls of the customers (U) transmitted from the call center of the bank (B) are answered by the operator (O) by means of an application interface located on it. The second electronic device (3) is configured to transmit the voice and video call records of the customers (U) communicated by the operator (O) to the database (4) by means of an application interface located on it.

The database (4) included in the inventive system (1) is configured to store the historical voice and video call records of the customers (U) transmitted over the second electronic device (3) on it.

The server (5) included in the inventive system (1) is configured to detect mood of the customer (U) such as excited, worried, happy during his/her conversation with the operator (O), by analysing the records of the same customer (U) stored in the database (4) such as current and historical voice and/or video call by means of artificial intelligence algorithms upon getting in contact with the database (4). The server (5) is configured to calculate the probability of the said customer (U) to defraud bank (B) by analysing the data of the said customer (U) in the mood and criminal records by means of artificial intelligence algorithms upon accessing the data of the customer (U) -who is in a worried mood- in the criminal records over the external server (ES); and to enable the operator (O) to mark the said customer (U) as a suspect by transmitting the information about the customer (U) having a high probability of defrauding the bank (B) to the application interface of the operator (O) in his/her second electronic device (3).

In the inventive system (1), the customer (U) initiates an audio or video call with the bank (B) by means of the first electronic device (2). The call made by the customer (U) to the bank (B) is transmitted to the second electronic device (3) of the operator (O) and the operator (O) communicates with the customer (U) in an audio or visual way. The database (4) in the system (1) stores current and historical voice and video communication records of the customers (U) on it. The server (5) detects mood of the customer (U) by analysing the voice and video communication records included in the database (4). The server (5) calculates the probability of the customer (U) to defraud bank (B) by analysing the mood data of the customer (U) together with the data in the criminal records of the said customer (U) by means of artificial intelligence algorithms. Thereby, when a fraudulent customer (U) contacts the bank (B), the operator (O) in the bank (B) prevents the bank (B) from having a financial loss by not carrying out transactions of the said customer (U).

With the inventive system (1), it is ensured to analyse data about speech, image of persons -who contact a company, firm- during their communication with the said company by means of artificial intelligence algorithms together with the criminal record information of the said persons and then to calculate the probability of the persons contacting the company to perform a fraud action, to mark the persons who are most likely to perform a fraudulent action as a suspect by a call center staff.

It is possible to develop various embodiments of the inventive system (1) for detecting persons who may perform suspicious actions; the invention cannot be limited to examples disclosed herein and it is essentially according to claims.