OTP Message Classification Alerts for Fraudulent Financial Requests
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Solution Overview
Problem
Users are often deceived into sharing one-time passwords (OTPs) for fraudulent financial transactions due to the unregulated nature of OTP messages and non-standard content, leading to unintentional monetary losses.
Innovation Solution
Utilizing artificial intelligence and machine learning to classify messages as financial or non-financial transactions, with a trained model providing warnings on devices to alert users about potential fraudulent financial transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Speed
If OTP messages are sent without standardization or regulation, then the simplicity and speed of authentication is maintained, but the security and reliability of the authentication process deteriorates due to fraudulent activities
Solution Approach 1:
The patent introduces an intermediary system consisting of a messaging platform and computing device that analyzes OTP messages before delivery to the user. This intermediary layer detects fraudulent messages by examining message content, source, and context, thereby maintaining the speed of authentication while improving reliability through intelligent filtering of malicious messages.
Solution Approach 2:
The system implements feedback mechanisms where the computing device provides warnings or alerts to users when fraudulent OTP messages are detected. This feedback loop enables users to recognize and avoid fraudulent messages, maintaining authentication speed while enhancing security through continuous monitoring and user education.
2Adaptability or versatility
If OTP messages have non-standard content to accommodate various services, then the versatility and adaptability of the system is improved, but the ease of operation and user understanding deteriorates due to confusion between legitimate and fraudulent messages
Solution Approach 1:
The patent employs visual differentiation techniques where legitimate and fraudulent OTP messages are displayed with different visual characteristics such as color coding, icons, or highlighting. This allows users to quickly distinguish between trusted and suspicious messages without requiring technical knowledge, maintaining versatility while improving ease of operation through intuitive visual cues.
Solution Approach 2:
The messaging platform acts as an intermediary that standardizes the presentation of diverse OTP messages from different services. By providing a unified interface with consistent formatting and clear indicators of message authenticity, the system maintains adaptability to various services while improving user understanding through standardized communication patterns.
3Device complexity
If users are not provided with additional warnings or alerts, then the simplicity of the messaging interface is maintained, but the loss of information and user awareness deteriorates leading to unintentional monetary losses
Solution Approach 1:
The system applies partial warnings only to messages that exhibit fraudulent characteristics, rather than warning all messages. This selective approach provides necessary user awareness without overwhelming users with constant alerts, maintaining interface simplicity while preventing information loss for critical security scenarios.
Solution Approach 2:
The messaging platform provides targeted feedback to users in the form of warnings or information prompts when fraudulent OTP messages are detected. This feedback mechanism increases user awareness without significantly complicating the interface, as warnings are displayed only when needed and use clear, concise language that does not burden the user experience.
Data Source
AI summary
Methods and apparatus for one-time password detection and alert are disclosed. A disclosed example apparatus includes machine readable instructions, and at least one processor circuit to be programmed by the machine readable instructions to classify, with a trained machine-learning model, messages of a messaging platform of a computing device as one of a financial transaction or a non-financial transaction, and provide a warning based on a one-time password (OTP) message of the messages being classified as a financial transaction.