Information processing device and program
The information processing apparatus addresses the lack of terminal position utilization in fraud prevention by enabling three-way calls with nearby trusted individuals, effectively thwarting fraudulent interactions.
Patent Information
- Authority / Receiving Office
- JP · JP
- Patent Type
- Patents
- Current Assignee / Owner
- Filing Date
- 2022-12-07
- Publication Date
- 2026-03-16
AI Technical Summary
Existing systems do not utilize position information of a user's terminal to effectively prevent damage from fraudulent calls.
An information processing apparatus that analyzes call content, determines the necessity of a three-way call, selects a third party based on terminal location, and facilitates communication with that party to prevent fraud.
Prevents fraudulent calls by quickly involving a nearby trusted individual in the call, thereby protecting the user from financial harm.
Smart Images

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Abstract
Description
Technical Field
[0006] , , , , , ,
[0001] The present disclosure relates to an information processing apparatus and a program.
Background Art
[0002] Patent Document 1 discloses a system that can assist a client by a third party and respond to malicious calls related to remittance fraud or the like.
Prior Art Documents
Patent Documents
[0003]
Patent Document 1
Summary of the Invention
Problems to be Solved by the Invention
[0004] However, the above system does not disclose the use of the position information of the user's terminal.
[0005] Therefore, in one aspect, an object of the present invention is to provide an information processing apparatus that can effectively prevent damage by using the position information of a user's terminal.
Means for Solving the Problems
[0006] (1) In one aspect, in an information processing apparatus, an analysis unit that analyzes the content of a call between a user and a counterpart at a terminal; a determination unit that determines whether a three-way call is necessary based on the analysis by the analysis unit; a third-party determination unit that determines a candidate for participating in the call as a third party in the three-way call at the terminal based on the position information of the terminal; a communication control unit that causes the third party determined by the third-party determination unit to participate in the three-way call; and is characterized by including the above.
[0007] (2) In the above embodiment, preferably, The third-party determination unit is characterized in that, if there are multiple candidates, it prioritizes the candidate who is closer in distance as the third party.
[0008] (3) In the above embodiment, preferably, The communication control unit is characterized by notifying the other party that a three-way call will be made when the determination unit determines that a three-way call is necessary.
[0009] (4) In the above embodiment, preferably, The communication control unit is characterized by inviting the third party, determined by the third-party determination unit, to a three-way call.
[0010] (5) In the above embodiment, preferably, It is equipped with a body information receiving unit that receives body information, The determination unit is characterized in that, in addition to the analysis performed by the analysis unit, it determines whether or not a three-way call is necessary based on the physical information received by the physical information receiving unit.
[0011] (6) In the above embodiment, preferably, The communication control unit is characterized by notifying the person determined by the third-party determination unit of information relating to the location indicated by the location information, or information relating to the analysis by the analysis unit.
[0012] (7) In the above embodiment, preferably, The system includes a display control unit that displays information related to the analysis performed by the analysis unit on the display screen of the terminal, The display control unit is characterized in that, when a display is shown on the display screen, it switches the call on the terminal to a call state via the speaker.
[0013] (8) In one aspect, In the program, An analysis step of analyzing the content of a call between a user and a counterpart at a terminal, A determination step of determining whether a three-way call is necessary based on the analysis by the analysis step, A third-party determination step of determining a third party related to the three-way call at the terminal based on the position information of the terminal, A communication control step of allowing the person determined by the third-party determination step to participate in the three-way call as the third party, characterized by causing a computer to execute the steps.
Advantages of the Invention
[0014] In one aspect, according to the present invention, by utilizing the position information of the user's terminal, damage can be effectively prevented.
Brief Description of the Drawings
[0015] [Figure 1] It is a diagram showing the configuration of the information processing apparatus of this embodiment. [Figure 1A] It is a diagram showing an example in which the information processing apparatus is provided in a server capable of communicating with a terminal. [Figure 2] It is a flowchart showing the processing in the information processing apparatus. [Figure 3] It is a diagram showing the situation of a three-way call.
Modes for Carrying Out the Invention
[0016] Hereinafter, embodiments will be described in detail with reference to the accompanying drawings.
[0017] FIG. 1 and FIG. 1A are diagrams showing the configuration of the information processing apparatus of this embodiment. As shown in FIG. 1, the information processing apparatus 10 of this embodiment is constituted by a terminal 100 such as a smartphone capable of making a call (including a video call). In this case, the information processing apparatus 10 is realized by installing, for example, a predetermined application software (program) in the terminal 100.
[0018] Figure 1A shows an example in which an information processing device is installed on a server that can communicate with a terminal. In this example, the information processing device 10 is installed on the server 200, and the terminal 100 and the server 200 can connect to each other via a communication path 300 which includes, for example, the internet.
[0019] Alternatively, the information processing device 10 may be realized through the collaborative functioning of the terminal 100 and the server 200. For example, some components of the information processing device 10 may be provided on the terminal 100, and other components on the server 200. Furthermore, the information processing device 10 may be configured using multiple servers.
[0020] As shown in Figure 1, the information processing device 10 includes an analysis unit 11 that analyzes the content of a call between a user such as an elderly person and the other party at terminal 100; a determination unit 12 that determines whether a three-way call is necessary based on the analysis by the analysis unit 11; a third-party determination unit 13 that determines candidates to participate in a three-way call at terminal 100 based on the location information of terminal 100; a communication control unit 14 that allows the third party determined by the third-party determination unit 13 to participate in the three-way call; a body information receiving unit 15 that receives body information; and a display control unit 16 that displays the information related to the analysis by the analysis unit 11 on the display screen of terminal 100.
[0021] The analysis unit 11 has the function of detecting phone calls related to fraud, etc., using artificial intelligence by analyzing the content of a call using a trained model that has learned the characteristics of the call.
[0022] Next, the operation of the information processing device 10 will be described.
[0023] Figure 2 is a flowchart illustrating the processing in the information processing device, and Figure 3 is a diagram showing the status of a three-way call.
[0024] The process shown in Figure 2 is executed when user 51 (Figure 3) of terminal 100 initiates a call using terminal 100.
[0025] In step S102 of Figure 2, the determination unit 12 determines whether the caller 52 (Figure 3) is a registered person or not. If the determination is affirmative, the process ends; otherwise, the process proceeds to step S104.
[0026] Here, voice patterns of relatives or other people who are assumed to be the usual callers of user 51 can be registered in advance in the storage device of the information processing device 10 or other storage devices. In step S102, the determination unit 12 compares the voice of the caller 52 with the registered voice patterns. If the voice of the caller 52 matches a registered voice pattern, the determination unit 12 can determine that the caller 52 is a relative or other person, that is, that the caller 52 is not a malicious person. The result of the comparison between the voice of the caller 52 and the registered voice pattern may be notified to user 51 by displaying it on the display screen of the terminal 100 by the display control unit 16. If it is determined that the voice of the caller 52 does not match a registered voice pattern, or if it is not possible to determine at this time that the voice of the caller 52 matches a registered voice pattern, the process proceeds to step S104.
[0027] In step S104, the determination unit 12 determines whether the call has ended or not. If the determination is affirmative, the process ends; otherwise, the process proceeds to step S106.
[0028] In step S106, the determination unit 12 acquires physical information received in real time by the physical information receiving unit 15 and determines whether a three-way call is necessary based on the physical information.
[0029] In step S108, the decision unit 12 proceeds to step S114 if the decision in step S106 is affirmed, and proceeds to step S110 if the decision is denied.
[0030] Here, the physical information includes, for example, the user 51's pulse rate and sweating status. If a physical abnormality, such as a sudden increase in pulse rate, or a state suggesting tension in the user 51, is detected, the judgment of the judgment unit 12 is affirmed in step S108. The physical information can be acquired, for example, as a function of the terminal 100, which is a wearable device worn by the user 51. Alternatively, the operation of a wearable device other than terminal 100 may be linked with the operation of the information processing device 10, and the physical information receiving unit 15 may acquire physical information from the wearable device via wireless communication.
[0031] In step S110, the analysis unit 11 analyzes the call content in real time, and the decision unit 12 determines whether a three-way call is necessary based on the analysis results of the analysis unit 11. For example, the analysis unit 11 uses artificial intelligence to extract keywords from the voice in the call and analyzes whether the caller 52 is a malicious person such as a scammer based on a model of the call pattern. The decision unit 12 then determines whether a three-way call is necessary based on the analysis results.
[0032] In step S112, the decision unit 12 proceeds to step S114 if the decision in step S110 is affirmed, and proceeds to step S102 if the decision is denied.
[0033] In step S114, the third-party determination unit 13 acquires the location information of the terminal 100. The location information can be acquired, for example, from a GPS device installed in the terminal 100. Alternatively, the location information may be acquired, for example, based on a base station to which the terminal 100 is connected.
[0034] In step S116, the third-party selection unit 13 selects one of the three third-party candidates 53 (excluding those already selected) to be added to the three-way call, based on the location information acquired in step S114 and the candidate table stored in the third-party selection unit 13. The candidate table contains the contact information (telephone number) of the three third-party candidates 53 associated with the location information of the terminal 100. Multiple candidates can be associated with the same location information in the candidate table. In this case, candidates can be assigned a priority order, and in step S116, the third-party candidates 53 are selected in order of priority. The candidate table is created by the user 51, a person related to the user 51, or a service provider by the information processing device 10, and is stored in the third-party selection unit 13 in advance. Candidates include, for example, a police station (police officer), a bank branch, or a relative. Priority can be determined based on the distance from the location of the terminal 100 indicated by the location information, or the attributes of the candidate (police officer, bank employee, relative). For example, by setting a higher priority for those closer to terminal 100, it becomes possible for a candidate (third party) to quickly reach the location of user 51 on terminal 100. Furthermore, by prioritizing candidates with attributes such as police officers or bank employees, the deterrent effect on crime can be enhanced. Moreover, conducting a video call between user 51 and third party 53 would be even more effective in preventing harm to user 51 (see Figure 3).
[0035] In step S118, the communication control unit 14 invites the candidate selected in step S116 to a three-way call. For example, the communication control unit 14 sends a message to the candidate encouraging them to participate in the three-way call, and also notifies them of location information (e.g., map information showing the location, access information to the location) and information related to the analysis by the analysis unit 11 (e.g., information regarding the call status of user 51) via voice call or email. This allows the candidate to understand the status of user 51 on terminal 100 and the reason why they were invited to the three-way call before participating. The communication control unit 14 also performs the necessary processing to add the candidate who has accepted the invitation to the three-way call.
[0036] In step S120, the third-party decision unit 13 determines whether the candidate joined the three-way call (i.e., the invitation to the three-way call was successful) within a predetermined time after the start of processing in step S118. If the determination is affirmative, the process ends; otherwise, the process proceeds to step S122. Here, the determination in step S120 is affirmative if the third party 53 (Figure 3), who was selected as a candidate, joins the three-way call.
[0037] In step S122, the third-party decision unit 13 determines whether there are any candidates in the candidate table who are associated with the current location information and have not yet been invited for a three-way call. If the decision is affirmative, the third-party decision unit 13 proceeds to step S116; if the decision is negative, it proceeds to step S124.
[0038] In step S124, the communication control unit 14 notifies the caller of a message that has been pre-recorded in the communication control unit 14, and then terminates the process. The content of this message is arbitrary as long as it has the effect of preventing crime. For example, a message that a third party will be joining the call, a message that the police have been contacted, or a message that the call is being recorded may be used. In this case, if the incoming phone number of the caller can be obtained, the communication control unit 14 may identify the caller and send a message to the identified person.
[0039] As described above, the information processing device 10 of this embodiment selects candidates to participate in a three-way call as a third party 53 based on the location information of the terminal 100. Therefore, the location information of the terminal 100 can be effectively used when determining the third party 53 for a three-way call. For example, by determining a person who is close to the terminal 100 as the third party 53, it is possible to have someone who can quickly rush to the location of the user 51 participate in the call. For example, if necessary, the third party 53 who is closest to the terminal 100 can rush to the user 51's location, thereby preventing the user 51 from becoming a victim of fraud such as cash exchanges via a money mule. The information processing device 10 of this embodiment can effectively prevent damage from so-called "ore-ore" fraud, refund fraud, fictitious charge fraud, and credit card fraud that use phone calls.
[0040] In the example shown in Figure 2, a three-way call is determined to be necessary based solely on physical information (step S106). However, the necessity of a three-way call may also be determined by considering both physical information and the results of the call content analysis. For example, the decision unit 12 may determine that a three-way call is necessary if both the physical information and the results of the call content analysis meet predetermined conditions. Alternatively, the physical information and the results of the call content analysis may each be scored, and the decision unit 12 may determine that a three-way call is necessary if the sum of the scores exceeds a predetermined threshold.
[0041] In addition, in the example shown in Figure 2, the analysis unit 11 determines the necessity of a three-way call in real time while the call is ongoing (step S110), but the call may be recorded and the recorded call may be analyzed by the analysis unit 11.
[0042] Based on the words extracted from the call, the analysis unit 11 can identify or estimate information about the position or role of the caller 52 as described (acted out) in the call, for example, that the caller 52 is a representative of a municipality or store. If the position or role of the caller 52 can be estimated from the content of the call, the analysis unit 11 can search for information about that position or role and identify the telephone number. The analysis unit 11 can also compare the incoming telephone number of the caller with the above-mentioned target telephone number and notify the user 51 of the comparison result. For example, the comparison result is displayed on the display screen of the terminal 100 by the display control unit 16. If the telephone numbers do not match, it is possible that the call is not from an actual representative of a municipality or store, but is a call intended for fraud or other purposes. In such cases, an alert indicating a mismatch in telephone numbers can be displayed on the display screen of the terminal 100, and the user 51 who sees this display can recognize the possibility that the call is intended for fraud. Furthermore, such comparison results can be used by the judgment unit 12 in the judgment of step S110. For example, if the phone numbers do not match, the determination unit 12 can determine in step S110 that a three-way call is necessary.
[0043] Furthermore, the determination unit 12 compares the account number contained in the words extracted from the voice by the analysis unit 11 with the account numbers of the user or relatives that have been registered in advance, and can use the result of this comparison to determine the necessity of a three-way call (step S110). For example, if the account number of the recipient of the transfer extracted from the voice matches the account number of user 51 or a relative, the determination unit 12 can determine that the call is not a fraudulent call and that a three-way call is unnecessary.
[0044] Furthermore, the analysis unit 11 can also perform analysis based on ambient sounds and environmental noises acquired by the terminal 100. For example, if user 51 is not making a call but is directly conversing with another person (e.g., a call receiver), the analysis unit 11 may analyze the content of the conversation indicated by the voice and the location indicated by the environmental noise (e.g., a financial institution), and execute predetermined processing related to the terminal 100 based on the analysis results. For example, an alert may be notified to user 51 via the display control unit 16, or the terminal 100 may execute a process to make a phone call to a candidate for the third party 53 in a three-way call via the communication control unit 14.
[0045] The communication control unit 14 may notify the other party that a three-way call is taking place if the determination unit 12 determines that a three-way call is necessary. For example, the communication control unit 14 may identify the other party using the incoming phone number of the other party and notify them of a direct message identifying them. Alternatively, a recorded voice (such as a message) may be inserted into the call between user 51 and the other party, and the other party may be notified of the message. In this case, the other party may be given the impression that a third party has joined the call, or that there is a person involved near user 51. Furthermore, since user 51 can recognize that a voice has been inserted, they can recognize the possibility that the call may be for fraudulent purposes.
[0046] The timing of sending messages and inserting audio is arbitrary; for example, the communication control unit 14 may perform these processes immediately after determining that a third-party call is necessary. In other words, these processes are not limited to cases where a three-party call fails, but can be performed at any time.
[0047] The communication control unit 14 can notify the bank of predetermined information via email or telephone according to the determination result of the determination unit 12. For example, if the determination unit 12 determines that a third-party call is necessary, by notifying the bank of user 51's account number, the bank can be given an opportunity to check whether the withdrawal (transfer) from that account is appropriate, for example, whether it is a fraudulent withdrawal, before the withdrawal (transfer) is made. In this case, by notifying the location information of the terminal 100 along with the account number, it is possible to predict the branch where the account to be withdrawn is located. Also, if user 51 goes to the bank after making a withdrawal reservation, the bank staff can take measures to prevent user 51 from becoming a victim of transfer fraud, etc.
[0048] The display control unit 16 can display information related to the analysis by the analysis unit 11, particularly alerts that should be notified to the user 51, on the display screen of the terminal 100 during a call. For example, if the analysis unit 11 determines that a three-way call is necessary, or if the possibility of malicious intent from the other party is detected even if a three-way call is not determined to be necessary, the display control unit 16 can display alerts, etc., on the display screen during the call. In this case, when the display screen is displayed, the display control unit 16 may switch the call on the terminal 100 to a call state via the speaker. By switching the call state in this way, the user 51 will naturally move the terminal 100 away from their ear, and thus be able to check the display screen. Furthermore, by switching the call on the terminal 100 to a call state via the speaker, it becomes possible for other people present at the location of the terminal 100 to join the call.
[0049] As explained above, the information processing device of this embodiment analyzes the content of the call between user 51 and the other party at terminal 100 and determines whether a three-way call is necessary based on the analysis results. Furthermore, based on the location information of terminal 100, a candidate to participate in the call as a third party 53 in the three-way call at terminal 100 is determined. Therefore, the location information of terminal 100 can be effectively used when determining the third party 53 for the three-way call. For example, by determining a person who is near terminal 100 as the third party 53, it is possible to have a person who can quickly reach the location of user 51 participate in the call as the third party 53. Consequently, frauds involving the exchange of cash (frauds using money mules) can be prevented, and thus the user 51 can be effectively protected from harm.
[0050] Although each embodiment has been described in detail above, the invention is not limited to any particular embodiment, and various modifications and changes are possible within the scope described in the claims. Furthermore, it is possible to combine all or more of the components of the embodiments described above. [Explanation of Symbols]
[0051] 10. Information Processing Procedures 11 Analysis Department 12 Judgment Department 13 Third Party Determination Department 14. Communication Control Unit 15 Body Information Receiving Unit 16 Display Control Unit 51 users 52 Caller 53 Third party 100 devices 200 servers 300 communication paths
Claims
1. An analysis unit that analyzes the content of a call between the user and the other party on the terminal, A determination unit that determines whether or not a three-way call is necessary based on the analysis performed by the aforementioned analysis unit, A third-party determination unit that determines candidates to participate in a three-way call as third parties on the terminal based on the terminal's location information, A communication control unit that allows the third party determined by the third-party determination unit to participate in the three-party call, An information processing device equipped with the following features.
2. The information processing apparatus according to claim 1, wherein, if there are multiple candidates, the third-party determination unit prioritizes the candidate who is closer in distance as the third party.
3. The information processing apparatus according to claim 1, wherein the communication control unit notifies the other party that a three-way call will be made when the determination unit determines that a three-way call is necessary.
4. The information processing apparatus according to claim 1, wherein the communication control unit invites the third party determined by the third-party determination unit to a three-way call.
5. It is equipped with a body information receiving unit that receives body information, The information processing apparatus according to claim 1, wherein the determination unit determines whether a three-way call is necessary based on the physical information received by the physical information receiving unit, in addition to the analysis performed by the analysis unit.
6. The information processing apparatus according to claim 1, wherein the communication control unit notifies the person determined by the third-party determination unit of information relating to the location indicated by the location information, or information relating to the analysis by the analysis unit.
7. The system includes a display control unit that displays information related to the analysis performed by the analysis unit on the display screen of the terminal, The information processing apparatus according to claim 1, wherein the display control unit switches the call on the terminal to a call state via speaker when the display screen is displayed.
8. An analysis step to analyze the content of a call between the user and the other party on the terminal, A determination step to determine whether or not a three-way call is necessary based on the analysis performed in the aforementioned analysis step, A third-party determination step in which a third party involved in a three-way call on the terminal is determined based on the location information of the terminal, A communication control step which involves having the person determined in the aforementioned third-party determination step participate in the three-party call as the aforementioned third party, A program that causes a computer to execute something.
Citation Information
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