The anti-fraud alert system is driven by call events.

Abstract

This disclosure discloses an event-driven anti-fraud alert system during a phone call. Without eavesdropping or interfering with the call connection, the system determines whether the call meets preset risk conditions based on call status events, user interaction events, device status events, and / or external risk indication events. When the risk conditions are met, the system provides at least one real-time interactive alert during the call, creating a brief window for the user to assess and calm down without interrupting the call. This reduces the likelihood of taking inappropriate actions under pressure during the call, and even a brief period of calm can prevent initial victimization and subsequent harm. In one embodiment, the system can continuously display status information reflecting the current risk assessment result during the call, allowing the user to grasp the trend of risk changes. The presentation method, display position, visual intensity, number of levels, and update strategy of the status information can be configured or adjusted by the implementer as needed, and are not limited to a specific form or value. This disclosure provides a mechanism for processing user feedback data, enabling the system to analyze, integrate, or optimize as fraudulent activities evolve, while taking into account both user experience and regulatory compliance.

Claims

1. A call-based anti-fraud alert system, which provides risk alerts during a telephone call without listening to the call content or interfering with the call, wherein... The system includes at least: a call event receiving module for receiving status change events related to telephone calls within the scope permitted by the operating system; a risk assessment module coupled to the call event receiving module for determining whether the call meets at least one preset risk condition based on the call status change events, user interaction behavior events, and a risk feature dataset, and generating a corresponding risk assessment result; and a real-time interactive prompt module coupled to the risk assessment module for providing the user with real-time interactive prompts during the call without interrupting the call when the preset risk condition is met, in order to guide the user to pay attention to the call risks. A user feedback module coupled to the real-time interactive prompt module is used to receive risk-related feedback information provided by the user in the real-time interactive prompt, and to use the feedback information as one of the judgment references of the risk judgment module; and a data update module coupled to the user feedback module is used to update the risk feature dataset, so that the system can respond to changes in different fraud types or fraud trends, and apply the updated risk feature data to the risk judgment of subsequent call events.

2. The anti-fraud alert system is driven during the call event as described in request item 1, wherein, The real-time interactive prompt module is automatically provided by the system based on the judgment result of the risk judgment module when the preset risk conditions are met.

3. The anti-fraud alert system is driven during a call event as described in request item 1 or 2, wherein, The risk feature dataset includes at least one feature type related to fraudulent behavior, and the feature type is not limited to specific keywords, voice content, or call text content.

4. A fraud prevention alert system is driven during a call event as described in request item 1, wherein, The real-time interactive prompts are displayed during the call and do not interrupt the audio transmission of the call, nor affect the connection status or call control functions.

5. A fraud prevention alert system is driven during a call event as described in request item 1, wherein, The data update module updates the risk feature dataset when the device is not in a call state, connected to a specific network environment, in a charging state, or receives external fraud-related information.

6. A fraud prevention alert system is driven during a call event as described in request item 1, wherein, The timing, frequency, or strategy of the real-time interactive prompts are dynamically adjusted based on the risk assessment results or call status to balance the effectiveness of risk alerts with user experience.

7. A fraud prevention alert system is driven during a call event as described in request item 1, wherein, The real-time interactive prompts are not limited to a specific display format or user interface style, but include any real-time interactive prompt process provided during a call without interrupting the call connection.

8. A fraud prevention alert system is driven during a call event as described in request item 1, wherein, The risk assessment module makes risk assessments based on call status change events, user interaction behavior events, device status events, or external risk indication events, and is not based on listening to or analyzing the call voice content.

9. A fraud prevention alert system that drives a call event as described in claim 1, wherein, The feedback information received by the user feedback module can be temporarily stored, delayed, or batch synchronized, and does not need to be transmitted to the remote server in real time during the call.

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