Subscriber Identifier Linking for Fraud Detection
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Solution Overview
Problem
The increasing prevalence of electronic transactions via the Internet and the Internet of Things (IoT) has led to instances of fraud, unauthorized access, and financial deception, necessitating effective fraud detection and user authentication methods to reduce these occurrences.
Innovation Solution
A method involving a communications device that transmits a suspected subscriber identifier to an authenticator to obtain previously or subsequently assigned subscriber identifiers, trust scores, and reliability metrics, which are computed based on deterministic behaviors such as SIM replacement, account password resets, and porting history, to detect and prevent fraudulent transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional authentication methods are used for electronic transactions, then transaction simplicity is maintained, but fraud detection capability is insufficient
Solution Approach 1:
The system performs preliminary actions by obtaining and storing subscriber identifiers (MSISDN, IMEI, IMSI) and computing trust scores before actual transactions occur. Historical data including SIM replacement events, device changes, and porting history are collected in advance to establish baseline trust metrics that enable rapid fraud detection during transactions without adding significant complexity to the authentication process
Solution Approach 2:
The authentication system is segmented into independent functional modules: data collection module that gathers subscriber identifiers and historical events, trust score computation module that processes deterministic behaviors, and fraud detection module that evaluates transactions. This segmentation allows each component to be optimized independently while maintaining overall system reliability for fraud detection
2Measurement precision
If subscriber identifier linking is implemented for fraud detection, then fraud prevention accuracy is improved, but data processing time increases
Solution Approach 1:
Trust scores and reliability metrics are computed in advance based on deterministic behaviors such as SIM replacement frequency, device change history, and porting patterns. These pre-computed metrics are stored and readily available during transactions, enabling rapid fraud assessment without requiring real-time analysis of extensive historical data, thus maintaining both high detection accuracy and low processing time
Solution Approach 2:
The system transforms extensive historical subscriber data into condensed trust score parameters and reliability metrics that capture essential fraud risk characteristics. By changing the parameter representation from raw historical events to aggregated trust scores, the system achieves high fraud detection accuracy while reducing data processing time during authentication
3Reliability
If comprehensive trust scoring based on deterministic behaviors is used, then reliability of fraud detection is improved, but system complexity increases
Solution Approach 1:
The system introduces an intermediary authenticator component that mediates between diverse data sources (carrier networks, device identifiers, transaction systems) and the fraud detection logic. This intermediary standardizes data collection, manages subscriber identifier linking, and handles trust score computation, thereby improving reliability while managing system complexity through a centralized coordination layer
Data Source
AI summary
Briefly, example methods, apparatuses, and/or articles of manufacture may be implemented to detect and/or prevent fraud that involves a communications device. The method may include transmitting, from a client computing resource to an authenticator, a subscriber identifier suspected of participating in a first fraudulent transaction. The method may further include obtaining, from the authenticator, one or more subscriber identifiers previously or subsequently assigned to the communications device by a communication services carrier.