COUNTRY TO DOMESTIC CALL INTERCEPT PROCESS (CIP)

Abstract: A call interception process for calling card calls originating from an international country (102) and terminating to high fraud domestic locations. When a call is placed, the call is screened against a database (120) which keys on international originating country access numbers. If a match against the database (120) is found, the call is routed to a first level operator (125) for billing acount verification. If billing account verification passed, the call interception process automatically overrides the calling card from any future intercepts. If verification failed, the call interception process automatically places the calling card in a "LOCKED STATUS MODE" and terminates the call. As a result, subsequent calling card call attempts will be default to the first level operator. The process further limiting a number of subsequent calling card calls attempts from the originating terminating country (102) to domestic location. If the subsequent calling card call attempts exceeded the pre-determined limiting threshold, the call is routed to a second level operator (165) for caller identity verification.

Description: COUNTRY TO DOMESTIC CALL INTERCEPT PROCESS (CIP) BACKGROUND OF THE INVENTION Field of the Invention The present invention relates to the field of telecommunications, and, particularly, to a call- intercept system and method implemented for long distance telephone systems that verifies call identities in order to prevent fraudulent calling card usage. Description of the Prior Art The telecommunication industry has estimated fraud losses are costing telecommunication service providers five (5) billion dollars per year. Particularly, telecommunication fraud losses are attributed to lost, stolen, or compromised portable calling card products, e.g., in highly populated areas. Calling card products may be compromised in various ways, for example, via social engineering, "shoulder surfing", etc., whereby a perpetrator obtains a physical calling card or calling card number belonging to another. The final result for the perpetrator is to obtain a calling card product in order to place a call to desired location or termination, whether domestic or international. Residential customers of large telecommunication service providers, e.g., MCI WorldCom, are typically the prey for these types of fraud, and, industry studies have determined that the fraud losses will only increase in the future. While service providers may place controls within their networks to limit or block outbound international calls, i.e., from a specific domestic origination in the United States to a specific international country termination, fraud still persists in the form of compromised calling card calls that originate from a specific country and terminate at domestic locations. This is done by circumventing the blocks placed on outbound internationals with an international inbound call to a domestic number in the United States. It would be highly desirable to provide a system for intercepting first time callers terminating a call to a predefined domestic location from a specific international origination in order to verify the identity of the caller and control fraudulent calling card usage. SUMMARY OF THE INVENTION The present invention is directed to a call intercept process (CIP) that functions to intercept callers placing compromised calling card calls for a first time from international locations to predefined high-fraud domestic (U.S.) terminations, in order to verify the identity of the caller. In operation, a perpetrator who has obtained a calling card product, will have only the physical calling card or the calling card number itself. When the perpetrator attempts to terminate a calling card call to a predefined domestic termination, the calling card call will default to an operator, who will ask for the name and account information as it appears on the calling card owner's billing account. The operator will fail the call if the perpetrator disconnects the call or is unable to provide correct name and address billing information as it appears on the account . Thus, the system of the invention provides the ability to intercept and verify account information with first time calling card callers placing calling card calls from an international origination to a specific domestic termination. If the caller fails or hangs up, the card is placed in a "locked status" mode and will be intercepted regardless of the termination location until such time the caller passes an account verification requirement. Once the caller passes, the CIP process places the card in a database and the card is over-ridden from customer interruption with intercept on future calls . Advantageously, passed and failed call intercept calls may then generate alarms for monitoring by a fraud control system. The fraud control system will review the alarms to determine if actions are warranted to block the calling card. BRIEF DESCRIPTION OF THE DRAWINGS Figure l illustrates a telecommunication system implementing the call intercept process for calls originating from international locations to domestic terminations according to a first embodiment of the invention. Figure 2 illustrates a telecommunication system implementing the call intercept process for calls originating from international locations to domestic terminations according to a second embodiment of the invention . Figure 3 is a flow diagram depicting the call intercept process mainframe program. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Call intercept is the process of intercepting callers, calling for the first time from international locations to predefined high fraud domestic terminations, in order to verify the identity of the caller. Figure 1 illustrates the inventive system 100 implementing the call intercept process according to a first embodiment of the invention. In this first embodiment, the caller will dial a calling card access number from an originating international location 102. The call is routed over that country's postal, telegraph, and telephone (PTT) organization which, is usually a governmental department functioning as the nation's common carrier providing nationalized telephone and telegraph services, and, additionally, through a gateway switch 105 where the call is received at a domestic telecommunications switch 107 where it is directed to an automated response unit 115. The caller is then prompted to input a calling card and terminating number by the Automated Response Unit (ARU) 115, which is also referred to as the Automated Operator Console. At block 118, the ARU will reference the originating country location and terminating number against a Screening of International Call Intercept database table 120. Preferably, the Screening of International Call Intercept database table 120 comprises a list that includes combinations of country code numbers to NPA and NPA-NXX terminations where calling card callers may frequently attempt to call. If the originating country code and NPA-NXX termination combination is not found in the Call Intercept database table at block 123, the card is allowed to process as indicated at block 140 and is routed via terminating switch 107 to the domestic termination. If the originating country code and NPA-NXX termination combination is found by screening the international call intercept database 120, as indicated at 122, the call is defaulted from the A U to a Manual Transfer Operator Console (MTOC) 125, which is also referred to as the Manual Operator Console. As indicated at block 130, Figure 1, the MTOC operator will then prompt the caller for the correct billing account information including the customer and/or business name, address, zip code, and phone number as it appears on the billing account. If the caller provides correct information at 132, the card is over-ridden for call intercept by the Call Intercept Process (CIP) at block 135, and the card is placed in a Billed Number Screening database (BNS) 120 to allow the card call to process, as indicated at step 140. Specifically, a detail record is cut and fed to a mainframe CIP process 99 that automatically overrides the calling card from any future intercepts by setting an "Override' flag associated with that calling card number. This detail record is populated uniquely to allow for the fraud system to alarm the call with a 'Caller Pass Verification alert' . If the caller provides incorrect name and address or disconnects the call at 142, the call is denied via the CIP process and the card is placed in Intercept-Locked status mode as indicated at 145. Preferably, if the caller fails account verification, a detail record is cut and passed to the CIP mainframe process 99 where the card is automatically placed in a 'LOCKED STATUS MODE' which will allow for any additional calls to be intercepted based on the card regardless of termination. That is, an "Intercept-Locked' flag associated with that calling card number is set so that future attempts made using that calling card will be defaulted to an operator. The next time the calling card number is used, regardless of the terminating location, the caller will be defaulted to a MTOC, where the operator will attempt to verify name and address. As indicated at block 150 in Figure 1, a billing number counter is set, i.e., incremented, to track the number of call card attempts using that calling card. If subsequent calling card call attempts fail a predefined number of times at the MTOC, as indicated at 160, 162, the caller is then transferred to a second level operator/customer service center, as shown at 165. Preferably, the calling call failure threshold is set at five (times) but it is understood that the threshold is configurable. If the calling call failure threshold is not met at step 161, the call is returned to the MTOC which generates the billing data record indicating the Intercept-Locked status mode for the database. Furthermore, the card number will remain in the BNS database assigned the Intercept -Locked status mode. At block 170, after transference of the call to the second level operator, the operator will then attempt to verify the identity of the caller, e.g., billing account information pertaining to the calling card. At block 172, if the caller provides the correct account information, the card is over-ridden for call intercept through the CIP process logic at 135', and the call is allowed to complete. Thus, the status flag associated with the calling card number is assigned the "Override" flag to prevent a future interception. If the caller provides incorrect name and address at block 175 the call will be disconnected at block 178, and the card number will remain in the Billed Number Screening database in the Intercept-Locked status mode. As shown in the process flow diagram of Figure 2, a first calling card call attempt from international origination to domestic termination may first be routed to an MTOC 125 via the switch 107, bypassing the ARU level of screening. At block 215, the MTOC operator will prompt the caller for calling card and desired domestic terminating number. The MTOC console will then reference the originating country location and terminating number against the Screening of International Call Intercept Database table at block 218. If the originating country code and NPA-NXX termination combination is not found in the Call Intercept database table at block 218, the card is allowed to process as indicated at block 240 and is routed via terminating switch 107 to the domestic termination. If the originating country and terminating number combination is found at block 220 in the Screening of International Call Intercept Database table, the MTOC operator will prompt the caller for correct name and address as it appears on the billing account at block 222. If the caller provides correct information at block 224, the card is over-ridden for call intercept using the CIP logic at block 230 and the call is allowed to process at 240. That is, the calling card number is assigned the "Override 1 status. If the caller provides incorrect name and address or disconnects the call at 242, the call is denied and the card is placed in the Intercept-Locked status mode via the CIP at 250. That is, the calling card number is assigned the "Intercept- Locked' flag which will require further verification for subsequent calls made using that calling card number. Thus, the next time the calling card number is used, regardless of the terminating location, the MTOC operator will attempt to verify name and address. Then, as indicated at 255, the billing number counter is incremented to track the number of calling card attempts using that calling card. If the calling call failure threshold is not met at block 261, the call is returned to the MTOC which generates the billing data record indicating the Intercept-Locked status mode for the database. Furthermore, the card number will remain in the BNS database assigned the Intercept-Locked status mode. If the caller fails a predefined number of times, e.g., five (5) times, at the MTOC, as indicated at blocks 260, 262, the caller is then transferred to a second level operator, as indicated at block 265. Preferably, a "Transfer to 2 nd level' flag associated with the calling card is set at this step. The second level operator will then attempt to verify the identity of the caller, i.e., verify billing account information pertaining to the calling card, as indicated at block 270. At block 272 if the caller provides the correct account information, the card is over-ridden for call intercept at block 230' and the call is allowed to process (block 240) . If the caller provides incorrect name and address at 275 or disconnects the call at 278, the card number will stay in Intercept-Locked status mode. It is understood that a CIP Call Intercept process 99 is implemented to set the calling card in the different modes for Call Intercept. Particularly, as shown in Figures 1 and 2, the Call Intercept Process is a mainframe program that, in real-time, receives data feeds, e.g., in the form of call detail or billing detail records, from the operator ARU 115 and MTOC 125 consoles. The data received from these records are populated with unique "Override 1 "Intercept-locked' and "Transfer to 2 nd level' flag values set to allow the CIP program to determine how to treat the calling card based on the outcome of the intercepted call. A list of the types of conditions that may occur at the operator platform, that result in the setting of the unique flags in the call record, is now provided. It is understood that, based on these flags, Call Intercept will set the calling card accordingly for treatment into a Billed Number Screening (BNS) database. Particularly, as shown in the mainframe CIP process 80 of Figure 3, at the first call intercept phase 82 initiated at the time a first calling card call is made, if the caller passed account verification at step 84, the CIP program 99 will set the flag on the card to "Override' at step 86 and place the calling card in the BNS (Billed Number Screening) database 120 as indicated at step 88. This will allow any future calls to ignore this call from intercept treatment via the operator sites. If, at step 85, the caller fails account verification on first call intercept, or even disconnects before entering any information, the CIP program 99 will place the caller in the "Locked Status Mode 1 and update the call record in the BNS database with this flag setting (step 86) . Any additional calls that take place on the card having this associated status, regardless of termination, will be intercepted. The CIP program has a configurable counter that allows the callers to be routed to another operator group if the caller continues to fail call intercept over time. Once the counter meets or exceeds the pre-set threshold, the CIP program will place the card in BNS with a "Transfer to 2 nd Level" flag set. All additional calls will be routed to the second level operator/customer service operator group regardless of where the caller dialed to terminate. In each of the above cases, at anytime the caller passed account information, the caller is overridden from future intercepts . While the invention has been particularly shown and described with respect to illustrative and preformed embodiments thereof, it will be understood by those skilled in the art that the foregoing and other changes in form and details may be made therein without departing from the spirit and scope of the invention which should be limited only by the scope of the appended claims.

Claims: What is claimed is : 1. A system for detecting fraudulent calling card calls placed from an originating international location to a domestic termination, said system comprising: switch device for receiving a calling card call placed from an originating international location and capable of routing said call to a desired domestic termination; a device for automatically comparing a country code associated with said originating location and the desired domestic termination number against a database comprising combinations of country codes and termination numbers predefined as being high fraud risk; a device for routing the calling card call to a first level operator if a match against said database is found, said first level operator for verifying billing account information corresponding to said calling card; and, a device for terminating said calling card call when said billing information is not verified, wherein a bsequent calling card call attempts from originating international locations will result in default routing of said call to a first level operator for billing account information verification corresponding to said calling card, said calling card call being enabled for processing upon successful verification of billing account information, and terminated otherwise. 2. The system as claimed in Claim 1, further including means for limiting a number of subsequent calling card call attempts from originating international locations to 33 domestic locations upon failure of verification of 3 __)4 billing account information, said system further 35 including device for routing said calling card call to a 36 second level operator for verifying identity of the J7 caller after a pre-determined number of calling card call 38 attempts. 39 40 3. The system as claimed in Claim 1, wherein said means 41 for terminating said calling card call when said billing 42 information is not verified includes placing said calling 43 card in a locked intercept mode. 44 45 4. The system as claimed in Claim 2, wherein said second 46 level operator performs one of: terminating said calling 47 card call when said caller identity is not verified, and 48 processing said calling card call upon successful 49 verification of caller identity. 50 51 5. The system as claimed in Claim 3, wherein enable ent 52 of said calling card call for processing includes 53 removing said calling card from said locked intercept 54 mode . 55 56 6. A method for detecting fraudulent calling card calls 57 placed from an originating international location to a 58 domestic termination, said method comprising the steps 59 of: 60 61 a) receiving a calling card call placed from an 62 originating international location at a switch capable of 63 routing a call to a desired domestic termination; 64 b) routing the calling card call to a first level operator for verifying billing account information corresponding to said calling card, said first level operator performing one of: processing said calling card call upon successful verification of billing account information, and terminating said call otherwise; and, c) upon receipt of subsequent calling card call attempts from originating international locations, default routing of said calls to a first level operator for verifying billing account information corresponding to said calling card, said first level operator performing one of: processing said calling card call upon successful verification of billing account information, and terminating said call otherwise. 7. The method as claimed in Claim 6, wherein prior to said routing step b) , the step of automatically comparing a country code associated with said originating location and the desired domestic termination number against a database comprising combinations of country codes and termination numbers predefined as being high fraud risk, said calling card call being routed to said first level operator if a match against said database is found. 8. The method as claimed in Claim 6, wherein step c) further includes the steps of: limiting a number of subsequent calling card call attempts from originating international locations to domestic locations upon failure of verification of billing account information; and, 96 routing said calling card call to a second 97 level operator for verifying identity of the caller after 98 a pre-determined number of calling card call attempts. 99 JOO 9. The method as claimed in Claim 6, wherein said step of 101 terminating said calling card call when said billing 102 information is not verified includes placing said calling 103 card in a locked intercept' mode. 104 105 10. The method as claimed in Claim 9, wherein said step 106 of processing said calling card call upon successful 107 verification of billing account information includes 108 removing said calling card from said locked intercept 109 mode . 110 111 11. A hierarchical method for detecting fraudulent 112 calling card calls placed from an originating 113 international location to a domestic termination, said 114 method comprising the steps of: 115 116 a) receiving a calling card call placed from an 117 originating international location to an switch for 118 routing a call to a desired domestic termination; 119 120 b) providing first level of calling card fraud detection 121 by automatically comparing a country code associated with 122 said originating location and the desired domestic 123 termination number against a database comprising 124 combinations of country codes and termination numbers 125 predefined as being high fraud risk; 126 127 c) providing second level of calling card fraud detection 128 by routing the calling card call to a first level 12 9 operator if a match against said database is found and 1 3 0 processing said call otherwise, said first level operator 131 for verifying billing account information corresponding 132 to said calling card and performing one of: terminating 133 said calling card call when said billing information is 134 not verified, and processing said calling card call upon 135 successful verification of billing account information; 136 and, 137 138 d) upon each of a predefined number of subsequent 139 attempts of calling card number calls placed from 140 international originations, automatically routing said 141 calls to a first level operator for verifying billing 142 account information corresponding to said calling card, 143 and processing said calling card call upon successful 144 verification of billing account information, and 145 terminating said call otherwise; and, 146 147 e) after a predefined number of subsequent attempts have 148 been made, routing said calling card call to a second 149 level operator for verifying identity of the caller, said 150 second level operator performing one of: terminating said 151 calling card call when said caller identity is not 152 verified, and processing said calling card call upon 153 successful verification of caller identity. 154

Inventors: MARCHAND DEAN, SPRINGER ARTHUR L, MARCHAND, DEAN, SPRINGER, ARTHUR, L.
Applicants: MCI WORLDCOM INC, MCI WORLDCOM, INC.
Application year: 2000
Main classification: H04M15
IPC codes: H04M17