Communication Verification Repository for Fraud Message Detection

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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 difficult to discern due to advancements in artificial intelligence, placing them at risk of scams.

Innovation Solution

A system that stores authentic communication records for users, allowing verification of candidate communications by comparing feature values to determine authenticity, providing a definitive classification and contextual reasons for communications, and alerting susceptible users or third-party entities to potential fraud.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If customers rely on context clues to identify fraudulent communications, then they can detect some fraud without additional systems, but the ability to definitively determine authenticity deteriorates as AI tools enable more realistic fraudulent communications

Engineering Contradiction:

Improveability to determine communication authenticityVSAvoiddifficulty in discerning authentic from fraudulent communications

Core Design Contradiction:

ReliabilityVSDifficulty of detecting and measuring

Solution Approach 1:

The patent introduces an intermediary verification system that acts as a mediator between the customer and communications. This system maintains a repository of authentic communication records and provides verification services to customers, allowing them to definitively determine authenticity without relying on their own ability to detect fraud clues. The intermediary system bridges the gap between the customer and the complex task of fraud detection.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The system performs preliminary actions by proactively maintaining a repository of authentic communication records before customers need to verify any communication. By pre-storing verified authentic communications and their feature values, the system prepares the verification infrastructure in advance, enabling rapid and definitive authenticity determination when customers receive communications that need verification.

Inventive Principle:

Principle #10Preliminary action

2Reliability

If a verification system stores and compares communication records to determine authenticity, then definitive determination of authentic versus fraudulent communications is achieved, but system complexity increases

Engineering Contradiction:

Improvecertainty in communication verificationVSAvoidcomplexity of verification system

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The system creates simplified copies of authentic communications by extracting and storing only the essential feature values needed for verification, rather than storing complete communication records. This copying approach maintains the ability to definitively verify authenticity while reducing the complexity and resource requirements of the verification system.

Inventive Principle:

Principle #26Copying

Solution Approach 2:

The verification system segments the communication verification task into distinct components: maintaining a repository of authentic records, extracting feature values, comparing incoming communications against the repository, and providing verification results. This segmentation allows each component to be independently optimized and managed, reducing overall system complexity while maintaining reliable verification capabilities.

Inventive Principle:

Principle #1Segmentation

Data Source

PatentUS12593207B2Systems and methods for verifying candidate communications

Publication Date: 2026.03.31 WELLS FARGO BANK NA

AI summary

Systems, apparatuses, methods, and computer program products are disclosed for establishing an authentic communication storage repository. An example method includes receiving an authentic communication from the agent device and determining one or more authentic communication feature values for one or more communication feature types. The example method further includes generating an authentic communication record for the received authentic communication and storing the authentic communication record in the authentic communication storage repository, wherein the authentic communication storage repository comprises a plurality of authentic communication records.