Offline Login Fraud Assessment Using SFTP Batch Processing
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Solution Overview
Problem
Organizations lack a low-cost solution to determine whether users logging into their systems are valid, necessitating a method to identify fraudulent user login behavior.
Innovation Solution
Implementing SFTP batch processing and credentials APIs for offline fraud assessment using a system that includes an electronic processor to receive and analyze electronic files, perform fraud evaluation based on predetermined rulesets, and generate fraud reports.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If organizations implement traditional fraud detection methods, then they can identify fraudulent users, but the cost becomes prohibitively high
Solution Approach 1:
The patent uses SFTP batch processing to create copies of login data from electronic files, allowing fraud analysis without requiring expensive real-time processing systems. The offline batch processing creates analytical copies of the data that can be evaluated against rulesets at a fraction of the cost of traditional real-time fraud detection infrastructure
Solution Approach 2:
The system employs disposable, low-cost electronic file processing through SFTP batch operations rather than maintaining expensive persistent fraud detection infrastructure. Each batch processing operation is a self-contained, low-cost analysis that processes login data through predetermined rulesets without requiring ongoing investment in complex real-time systems
2Reliability
If organizations analyze large amounts of login data to detect fraud, then fraud detection accuracy improves, but processing time increases
Solution Approach 1:
The patent performs preliminary fraud evaluation by processing login data in offline batches using predetermined rulesets before the data would normally be analyzed. By conducting the fraud assessment in advance through automated SFTP batch processing, the system eliminates waiting time while maintaining comprehensive analysis of large datasets
Solution Approach 2:
The system uses periodic batch processing to analyze login data at scheduled intervals rather than requiring continuous real-time processing. This periodic approach allows large amounts of data to be analyzed thoroughly while maintaining efficient resource utilization and avoiding the time loss associated with continuous processing
3Reliability
If organizations implement secure offline fraud assessment, then security is improved, but system complexity increases
Solution Approach 1:
The patent implements a universal SFTP batch processing framework that handles multiple fraud detection functions through a single standardized interface. The same SFTP infrastructure processes electronic files, applies predetermined rulesets, generates fraud reports, and manages credentials across different organizational contexts, reducing overall system complexity while maintaining high security standards
Solution Approach 2:
The system introduces an intermediary credential API that mediates between the secure offline processing environment and external systems. This intermediary layer provides standardized authentication and data exchange mechanisms, simplifying the integration of secure fraud assessment into existing organizational systems without requiring complex custom security implementations
4Loss of energy
If organizations use SFTP batch processing for fraud assessment, then cost efficiency improves, but ease of operation decreases
Solution Approach 1:
The patent implements self-service functionality where the SFTP batch processing system automatically performs fraud assessment without requiring manual intervention. The system autonomously receives electronic files, applies predetermined rulesets, generates fraud reports, and transmits results, allowing organizations to operate the cost-efficient system with minimal operational overhead
Solution Approach 2:
The system incorporates feedback mechanisms that automatically transmit fraud assessment results back to organizations through standardized channels. This feedback loop provides actionable intelligence without requiring complex manual interpretation, maintaining ease of operation while delivering comprehensive fraud analysis at low cost
Data Source
AI summary
Methods and systems for providing offline fraud assessments with respect to customer login data. One system includes an electronic processor configured to receive an electronic file. The electronic processor is also configured to perform an offline batch processing on the electronic file, where the offline batch processing includes performing a fraud evaluation on the electronic file using a ruleset. The electronic processor is also configured to determine a fraud assessment for the electronic file based on the fraud evaluation. The electronic processor is also configured to generate and transmit a fraud report for display, the fraud report including the fraud assessment.