Pre-Communication Honesty Primers for Low-Intrusion Fraud Screening
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Solution Overview
Problem
Existing methods for detecting fraudulent online interactions are ineffective in identifying small, non-suspicious claims, leading to high undetected fraud rates, and current security measures are intrusive for honest users, creating a need for a method that minimizes user interactions while enhancing honesty and detecting malicious behavior.
Innovation Solution
A pre-communication session using honesty primers, such as messages, actions, or exercises, to influence user integrity, combined with a self-learning computer program structure that analyzes metadata and user interactions to adapt the primer sequence, determining integrity indicators and facilitating access to the main communication session based on these indicators.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If standard authentication challenges are deployed to prevent malicious users, then security is improved, but user convenience deteriorates as honest users face intrusive security measures
Solution Approach 1:
The system performs preliminary actions by presenting honesty primers and conducting integrity assessments before the actual communication session begins. This allows the system to evaluate user integrity in advance, so that once assessed, users can proceed without repeated intrusive security checks, thereby improving convenience while maintaining security.
Solution Approach 2:
The system enables users to self-assess their integrity by responding to honesty primers and providing information that demonstrates their credibility. This self-service approach allows honest users to prove their integrity without requiring intensive external verification, reducing the burden of security measures while maintaining reliability.
2Measurement precision
If fraud detection is performed after claims are made, then fraudulent patterns can be identified, but most small non-suspicious claims remain undetected
Solution Approach 1:
The system performs fraud detection preliminarily by assessing user integrity before claims are submitted. Through honesty primers and integrity indicators, the system identifies potentially fraudulent users in advance, preventing small non-suspicious claims from being filed rather than detecting them after the fact.
Solution Approach 2:
The system implements continuous feedback loops where user responses to honesty primers and their interaction patterns are analyzed to update integrity indicators. This feedback mechanism allows the system to adaptively improve fraud detection accuracy by learning from user behavior patterns, enabling detection of subtle fraudulent tendencies that traditional post-claim analysis misses.
3Reliability
If multiple security challenges and authentication credentials are required, then access control is improved, but user time and interaction requirements increase
Solution Approach 1:
The system conducts integrity assessments and presents honesty primers before the main communication session, performing access control preliminarily. Once users complete these preliminary integrity demonstrations, their authentication is validated, allowing them to proceed with the actual communication without repeated security challenges, thereby reducing total interaction time while maintaining access control reliability.
Solution Approach 2:
The system dynamically adjusts the number and complexity of security challenges based on user integrity indicators. Users with high integrity scores, established through preliminary assessments and positive interaction patterns, receive streamlined access with fewer challenges. This dynamic adaptation maintains security for suspicious users while significantly reducing time requirements for honest users.
Data Source
AI summary
The invention relates to a computer-implemented method of pre-processing a user access request to an online communications session. The method comprises of the steps of transferring (62) the user to a pre-communication session, communicating (64) an honesty primer (70, 80) to the user, the honesty primer (70, 80) includes at least a message and/or action and/or exercise and transferring (69) the user to the communication session. The method further comprises the steps of determining (61) a first integrity indicator (λ1) of a user sending an access request to a communication server before transferring the user to the pre-communication session, especially based on metadata of the access request and in particular selecting (63) and/or adapting an honesty primer (70, 80) based on the first integrity indicator (λ1), and in particular determining a second integrity indicator (λ2) based on adjustment parameters (δ(λ)) of the honesty primer (70 80). In particular, the first integrity indicator (λ1) is determined based on reliability parameters of the metadata, which include at least one of geolocation, browser language, time, interaction with previous pre-communication and/or communication sessions, integrity indicators (λ) of previous pre-communication sessions and/or communication sessions. Additionally or alternatively to the step of determining a first integrity indicator, the method comprises the steps of analyzing (66) user interaction with the pre-communication session, especially with the honesty primer (70,80), in particular analyzing response behavior parameters of the user in the pre-communication session and/or adjustment parameters (δ(λ)) of the honesty primers (70,80) and/or user response content and determining (67) a third (λ3) integrity indicator based on the analysis.