While it's impossible to calculate the exact cost of insurance fraud (estimates range from $20 billion to upward of $60 billion in North America alone), there is no doubt fraud is a huge problem and an ongoing challenge–one which technology can help curtail.
If criminal behavior remained static, identifying patterns and flushing out fraudulent claims would be a simple process. Individuals gaming the system, however, are typically savvy enough to make identification of nonlegitimate claims quite difficult. As a result, a variety of different techniques have been developed to help in reducing the number of false claims covered by insurance providers.
Fraud begins with a lie. Criminals tend to be very proficient liars, so a "story" may sound reasonable and like a fair claim. Though words can be controlled and may ring true, there are certain vocal patterns that indicate when a claimant is being less than honest. These pattern variations can be measured by voice stress analysis.
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