GB2521050B - Credit risk decision management system and method using voice analytics - Google Patents

Credit risk decision management system and method using voice analytics

Info

Publication number
GB2521050B
GB2521050B GB1420734.4A GB201420734A GB2521050B GB 2521050 B GB2521050 B GB 2521050B GB 201420734 A GB201420734 A GB 201420734A GB 2521050 B GB2521050 B GB 2521050B
Authority
GB
United Kingdom
Prior art keywords
management system
credit risk
decision management
risk decision
voice analytics
Prior art date
Legal status (The legal status 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 status listed.)
Expired - Fee Related
Application number
GB1420734.4A
Other versions
GB201420734D0 (en
GB2521050A (en
Inventor
Gopinathan Krishna
Chaitanya Jagat
Raj Kuma Sudali
Rangarajan Sriram
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Global Analytics Inc
Original Assignee
Global Analytics Inc
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
Priority claimed from US14/549,505 external-priority patent/US20150142446A1/en
Application filed by Global Analytics Inc filed Critical Global Analytics Inc
Priority to GB1718974.7A priority Critical patent/GB2556699B/en
Publication of GB201420734D0 publication Critical patent/GB201420734D0/en
Publication of GB2521050A publication Critical patent/GB2521050A/en
Application granted granted Critical
Publication of GB2521050B publication Critical patent/GB2521050B/en
Expired - Fee Related legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Classifications

    • G—PHYSICS
    • G10—MUSICAL INSTRUMENTS; ACOUSTICS
    • G10L—SPEECH ANALYSIS TECHNIQUES OR SPEECH SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING TECHNIQUES; SPEECH OR AUDIO CODING OR DECODING
    • G10L25/00—Speech or voice analysis techniques not restricted to a single one of groups G10L15/00 - G10L21/00
    • G10L25/48—Speech or voice analysis techniques not restricted to a single one of groups G10L15/00 - G10L21/00 specially adapted for particular use
    • G10L25/51—Speech or voice analysis techniques not restricted to a single one of groups G10L15/00 - G10L21/00 specially adapted for particular use for comparison or discrimination
    • G10L25/63—Speech or voice analysis techniques not restricted to a single one of groups G10L15/00 - G10L21/00 specially adapted for particular use for comparison or discrimination for estimating an emotional state
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G10—MUSICAL INSTRUMENTS; ACOUSTICS
    • G10L—SPEECH ANALYSIS TECHNIQUES OR SPEECH SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING TECHNIQUES; SPEECH OR AUDIO CODING OR DECODING
    • G10L17/00—Speaker identification or verification techniques
    • G10L17/26—Recognition of special voice characteristics, e.g. for use in lie detectors; Recognition of animal voices
    • G—PHYSICS
    • G10—MUSICAL INSTRUMENTS; ACOUSTICS
    • G10L—SPEECH ANALYSIS TECHNIQUES OR SPEECH SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING TECHNIQUES; SPEECH OR AUDIO CODING OR DECODING
    • G10L15/00—Speech recognition
    • G10L15/26—Speech to text systems

Landscapes

  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Health & Medical Sciences (AREA)
  • Finance (AREA)
  • Accounting & Taxation (AREA)
  • Multimedia (AREA)
  • Acoustics & Sound (AREA)
  • Audiology, Speech & Language Pathology (AREA)
  • Human Computer Interaction (AREA)
  • Computational Linguistics (AREA)
  • Economics (AREA)
  • Psychiatry (AREA)
  • Hospice & Palliative Care (AREA)
  • General Health & Medical Sciences (AREA)
  • Child & Adolescent Psychology (AREA)
  • Development Economics (AREA)
  • Signal Processing (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Telephonic Communication Services (AREA)
GB1420734.4A 2013-11-21 2014-11-21 Credit risk decision management system and method using voice analytics Expired - Fee Related GB2521050B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
GB1718974.7A GB2556699B (en) 2013-11-21 2014-11-21 Credit risk decision manangement system and method using voice analytics

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201361907309P 2013-11-21 2013-11-21
US14/549,505 US20150142446A1 (en) 2013-11-21 2014-11-20 Credit Risk Decision Management System And Method Using Voice Analytics

Publications (3)

Publication Number Publication Date
GB201420734D0 GB201420734D0 (en) 2015-01-07
GB2521050A GB2521050A (en) 2015-06-10
GB2521050B true GB2521050B (en) 2017-12-27

Family

ID=52292342

Family Applications (1)

Application Number Title Priority Date Filing Date
GB1420734.4A Expired - Fee Related GB2521050B (en) 2013-11-21 2014-11-21 Credit risk decision management system and method using voice analytics

Country Status (1)

Country Link
GB (1) GB2521050B (en)

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108038700A (en) * 2017-12-22 2018-05-15 上海前隆信息科技有限公司 A kind of anti-fraud data analysing method and system
CN111968679B (en) * 2020-10-22 2021-01-29 深圳追一科技有限公司 Emotion recognition method and device, electronic equipment and storage medium
CN112541738B (en) * 2020-12-15 2022-08-19 平安科技（深圳）有限公司 Examination and approval method, device, equipment and medium based on intelligent conversation technology
CN113314103B (en) * 2021-05-31 2023-03-03 中国工商银行股份有限公司 Illegal information identification method and device based on real-time speech emotion analysis
CN113903363B (en) * 2021-09-29 2023-02-28 平安银行股份有限公司 Violation behavior detection method, device, equipment and medium based on artificial intelligence
CN114548118B (en) * 2022-04-27 2025-12-30 中信建投证券股份有限公司 A service dialogue detection method and system
CN116863938A (en) * 2023-06-30 2023-10-10 中国银行股份有限公司 Abnormality detection method, device, equipment and storage medium based on voice
CN116629456B (en) * 2023-07-20 2023-10-13 杭银消费金融股份有限公司 Method, system and storage medium for predicting overdue risk of service

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2001016570A1 (en) * 1999-08-31 2001-03-08 Accenture Llp System, method, and article of manufacture for detecting emotion in voice signals by utilizing statistics for voice signal parameters
US20100228656A1 (en) * 2009-03-09 2010-09-09 Nice Systems Ltd. Apparatus and method for fraud prevention

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2001016570A1 (en) * 1999-08-31 2001-03-08 Accenture Llp System, method, and article of manufacture for detecting emotion in voice signals by utilizing statistics for voice signal parameters
US20100228656A1 (en) * 2009-03-09 2010-09-09 Nice Systems Ltd. Apparatus and method for fraud prevention

Also Published As

Publication number Publication date
GB201420734D0 (en) 2015-01-07
GB2521050A (en) 2015-06-10

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Legal Events

Date Code Title Description
PCNP Patent ceased through non-payment of renewal fee

Effective date: 20231121