Candidate Communication Verification Using Authentic Records
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Solution Overview
Problem
Customers lack the ability to definitively determine whether communications received from institutions are authentic or fraudulent, relying on context clues that are increasingly unreliable due to advancements in artificial intelligence used by fraudsters.
Innovation Solution
A system that stores authentic communication records for users, allowing verification of candidate communications by comparing feature values to determine authenticity, and providing a definitive classification, while also enabling fraud warnings and history logging.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If customers rely on context clues to identify fraudulent communications, then they can detect some fraud without additional tools, but the reliability of fraud detection deteriorates as fraudsters use AI to create more realistic communications
Solution Approach 1:
The patent introduces an intermediary verification system that includes a system device and database to mediate between users and communications. This intermediary automatically verifies candidate communications by comparing them against authentic communication records stored in the database, eliminating the need for users to manually analyze context clues while maintaining simple user interaction through the mobile application.
Solution Approach 2:
The system performs preliminary verification actions by pre-storing authentic communication records and their feature values in the database before verification is needed. When a candidate communication arrives, the system has already prepared the authentication data structure, enabling rapid comparison and verification without requiring complex real-time analysis by the user.
2Measurement precision
If a verification system stores and compares communication records, then definitive authentication is achieved, but the quantity of data to be stored and processed increases
Solution Approach 1:
The system extracts only the essential feature values from complete communication records for storage and comparison purposes. Instead of storing entire communication contents, the system stores specific features such as sender identifiers, subject line characteristics, and other distinguishing elements that enable accurate verification while minimizing data storage requirements.
Solution Approach 2:
The system creates simplified copies of authentic communications in the form of structured records containing only the necessary verification features. These copied feature sets are stored in the database and used for comparison against candidate communications, providing accurate authentication without requiring storage of the full original communication data.
3Reliability
If the system provides definitive verification to users, then user security is improved, but the ease of operation decreases due to additional verification steps required
Solution Approach 1:
The verification system operates autonomously without requiring user intervention in the verification process. When a user receives a candidate communication, the system automatically performs the verification by comparing it against stored authentic records and returns the verification result to the user through the mobile application, eliminating the need for users to manually perform verification steps.
Solution Approach 2:
The system acts as an intermediary that handles the complexity of verification internally while presenting a simple interface to users. The mobile application serves as the intermediary between the user and the complex verification system, allowing users to simply receive verification results without understanding or interacting with the underlying complex verification processes.
Data Source
AI summary
Systems, apparatuses, methods, and computer program products are disclosed for verifying candidate communications. An example method includes establishing an authenticated session with a user using a user device and receiving a communication verification request comprising a candidate communication. The example method further includes determining one or more candidate communication feature values for one or more communication feature types and querying an authentic communication storage repository for an authentic communication record that comprises one or more authentic communication feature values that correspond to the one or more candidate communication features. The example method further includes determining a communication classification for the candidate communication based on a query result and providing a communication verification response comprising the communication classification to the user device.