Fraudulent Activity Shell for Banking Systems
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Solution Overview
Problem
Current fraud detection safeguards in banking systems can inadvertently alert fraudsters that an account is being scrutinized, causing them to move to different accounts, and may delay legitimate users' actions, impacting their experience.
Innovation Solution
Implementing a fraudulent activity shell system with a normal environment and a shell environment, where the shell environment mirrors the normal environment but does not execute external actions, allowing potentially fraudulent actions to appear as completed, thus masking scrutiny from fraudsters while legitimate actions are processed without delay.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If fraud detection safeguards hold actions for scrutiny, then fraud detection capability is improved, but legitimate user experience deteriorates due to delays
Solution Approach 1:
The system segments the banking application into two distinct environments: a normal environment for legitimate users and a shell environment for fraudsters. This segmentation allows different processing rules to apply to each environment, enabling fraud detection without impacting legitimate user experience. The normal environment processes actions immediately while the shell environment mirrors actions for scrutiny purposes only.
Solution Approach 2:
The shell environment acts as an intermediary between the fraud detection system and the fraudster. It mirrors the normal environment and displays action status to the fraudster without actually executing external actions. This intermediary layer allows the system to detect fraud while maintaining the appearance of normal processing for the fraudster.
2Reliability
If fraud detection safeguards permanently hold potentially fraudulent actions, then fraud prevention is improved, but fraudster awareness increases causing them to move to different accounts
Solution Approach 1:
Instead of blocking fraudulent actions and alerting the fraudster, the system inverts the approach by allowing the action to appear completed in the shell environment while actually preventing execution in the normal environment. This inversion maintains fraud prevention while eliminating the alerting effect that would cause the fraudster to move to different accounts.
Solution Approach 2:
The shell environment creates a copy of the normal environment's interface and functionality. It mirrors actions and displays them as completed to the fraudster, when in reality the actions are blocked in the normal environment. This copying mechanism prevents fraud while deceiving the fraudster into believing the action succeeded, thereby maintaining their awareness of the system's vulnerability.
3Measurement precision
If actions are scrutinized in the normal environment, then fraud detection accuracy is improved, but legitimate user experience deteriorates due to blocking and delays
Solution Approach 1:
The system segments fraud detection scrutiny between two environments: the normal environment provides immediate response to users while the shell environment performs the actual scrutiny. This segmentation allows accurate fraud detection to occur without impacting the user experience in the normal environment, as users interact only with the responsive normal environment interface.
Data Source
AI summary
Systems, methods, and other embodiments associated with a fraudulent activity shell. According to one embodiment, a system includes an application having a normal environment and a shell environment. The system also includes a trigger logic that determines whether an action satisfies a trigger condition. In response to determining that the action satisfies the trigger condition, the trigger logic triggers the application to enter a fraudulent activity mode from a default mode. In the fraudulent activity mode, the normal environment is configured to hold the action. The shell environment is configured to display the action as executed in the fraudulent activity mode.