Network Message Set Identification for Faster Fraud Tracing

Solution Overview

Problem

Banking networks face challenges in efficiently identifying sets of messages related to fraudulent activity due to their complexity and high transaction rates, leading to significant delays in detecting fraudulent transactions and dispersal of stolen funds.

Innovation Solution

An apparatus, method, and computer program product that receive information about sets of messages exchanged in a network, select a portion of these messages based on properties of their source messages, generate individual values for the nodes, and identify sets of messages of interest using these values, thereby increasing processing efficiency and reducing computational effort.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If complete network scanning is performed to identify fraudulent transactions, then detection accuracy is improved, but processing time and computational resources increase significantly

Engineering Contradiction:

Improvefraud detection accuracyVSAvoiddetection delay

Core Design Contradiction:

Measurement precisionVSLoss of time

Solution Approach 1:

The patent segments the banking network into multiple sub-graphs based on transaction patterns and node relationships. Each sub-graph represents a localized portion of the network, allowing parallel processing and reducing the time required to scan the complete network while maintaining detection accuracy through comprehensive coverage of all segments.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The system performs preliminary actions by pre-processing transaction data to identify potential fraud indicators before complete network scanning. This includes calculating initial risk scores, identifying suspicious patterns, and prioritizing nodes for detailed analysis, which reduces the time required for comprehensive fraud detection.

Inventive Principle:

Principle #10Preliminary action

2Measurement precision

If complete network scanning is performed to identify fraudulent transactions, then detection accuracy is improved, but computational complexity increases significantly

Engineering Contradiction:

Improvefraud detection accuracyVSAvoidcomputational complexity

Core Design Contradiction:

Measurement precisionVSDevice complexity

Solution Approach 1:

The patent segments the banking network into multiple sub-graphs based on transaction patterns and node relationships. Each sub-graph represents a localized portion of the network, allowing parallel processing and reducing the time required to scan the complete network while maintaining detection accuracy through comprehensive coverage of all segments.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The system applies partial action by focusing computational resources on high-risk sub-graphs and nodes identified through preliminary analysis. Instead of uniformly processing the entire network, the system concentrates effort on areas most likely to contain fraudulent activity, reducing overall computational complexity while maintaining detection effectiveness.

Inventive Principle:

Principle #16Partial or excessive action

3Reliability

If all sets of messages are analyzed to trace fund dispersion, then tracing completeness is improved, but processing speed decreases

Engineering Contradiction:

Improvetracing completenessVSAvoidprocessing speed

Core Design Contradiction:

ReliabilityVSProductivity

Solution Approach 1:

The patent segments the banking network into multiple sub-graphs based on transaction patterns and node relationships. Each sub-graph represents a localized portion of the network, allowing parallel processing and reducing the time required to scan the complete network while maintaining detection accuracy through comprehensive coverage of all segments.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The system performs preliminary actions by pre-processing transaction data to identify potential fraud indicators before complete network scanning. This includes calculating initial risk scores, identifying suspicious patterns, and prioritizing nodes for detailed analysis, which reduces the time required for comprehensive fraud detection.

Inventive Principle:

Principle #10Preliminary action

Data Source

PatentUS12506779B2Apparatus, method and computer program product for identifying a set of messages of interest in a network

Publication Date: 2025.12.23 VOCALINK INT LTD

AI summary

Techniques are provided for identifying a set of messages of interest in a network. Circuitry is configured to: receive information of a plurality of sets of messages that have been exchanged by nodes in a network; select a portion of the plurality of sets of messages that have been received using a property of a source message of each set of messages of the plurality of sets of messages; generate individual first values for the nodes of each set of messages of the selected portion of the plurality of sets of messages using a property of the nodes associated with each set of messages; and identify at least one set of messages of the selected portion of the plurality of sets of messages as a set of messages of interest using the individual first values that have been generated for the selected portion of the sets of messages.