Patent ID: 11949804
Assignee: BANK OF AMERICA CORPORATION
Field: Telecommunications (Electrical engineering)
Classification: CPC H  G | IPC G  H

Claim 11:
12. A computer program product including a non-transitory computer-readable medium that comprises:
a first set of codes for causing a computer to obtain and store, in computing memory, a reputation indicator for each of a plurality of telecommunication carriers; and
a second set of codes for causing a computer to, in response to receiving a voice call from a calling telecommunication number and in real-time while the voice call is in a pre-answer state (i) identify a telecommunication carrier based on the calling telecommunication number, (ii) determine whether a reputation indicator for the telecommunication carrier exists in the computing memory, (iii) in response to determining that the reputation indicator for the telecommunication carrier does not exist in the computing memory, route the voice call to an internal investigative specialist who is an individual trained in detecting whether a live-person calling party is a wrongdoer, (iv) in response to determining that the reputation indicator for the telecommunication carrier exists in the computing memory, determine a disposition action, from amongst a plurality of disposition actions, for the voice call based on the reputation indicator for the telecommunication carrier, and disposition the voice call in accordance with the determined disposition action, wherein the plurality of disposition actions include (i) accepting the voice call, (ii) blocking the voice call, and (iii) routing the voice call to the internal investigative specialist who the individual trained in detecting whether the live-person calling party is a wrongdoer.