Effective speaker spotting for watch-list detection of fraudsters in telephone banking

Nancie Gunson; Diarmid Marshall; Mervyn Jack

Effective speaker spotting for watch-list detection of fraudsters in telephone banking

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Author(s): Nancie Gunson ¹ ; Diarmid Marshall ¹ ; Mervyn Jack ¹
- Affiliations: 1: Centre for Communication Interface Research, The University of Edinburgh, Alexander Graham Bell Building, King's Buildings, Edinburgh, EH9 3JL, UK
Source: Volume 4, Issue 2, June 2015, p. 127 – 136
DOI: 10.1049/iet-bmt.2013.0060 , Print ISSN 2047-4938, Online ISSN 2047-4946

Received 12/08/2013, Accepted 20/10/2014, Revised 19/09/2014, Published 27/11/2014

This study describes a special-case application of speaker recognition in open-set speaker-identification mode, which nonetheless has wide applicability. Watch-list based speaker spotting in telephone banking can potentially provide valuable protection against ‘known’ fraudsters with access to stolen customer details. In this study, the detection of known fraudsters in a telephone banking service using commercial off-the-shelf verification engines is described. A new ‘delta scoring’ method for watch-list detection is proposed based on using the genuine customer model as a reference. The approach combines for the first time speaker recognition in both verification and identification mode. Empirical experiment results show a significant gain in performance using the new method.

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Effective speaker spotting for watch-list detection of fraudsters in telephone banking

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