WO2017123157A1 - Système et procédé de réponse à un événement frauduleux - Google Patents

Système et procédé de réponse à un événement frauduleux Download PDF

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Publication number
WO2017123157A1
WO2017123157A1 PCT/SG2017/050017 SG2017050017W WO2017123157A1 WO 2017123157 A1 WO2017123157 A1 WO 2017123157A1 SG 2017050017 W SG2017050017 W SG 2017050017W WO 2017123157 A1 WO2017123157 A1 WO 2017123157A1
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WO
WIPO (PCT)
Prior art keywords
transaction
account
state
facilitator
communication facilitator
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/SG2017/050017
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English (en)
Inventor
Dennis Mendiola
Melvin Ryan Lopez FETALVERO
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
VOXP Pte Ltd
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VOXP Pte Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by VOXP Pte Ltd filed Critical VOXP Pte Ltd
Publication of WO2017123157A1 publication Critical patent/WO2017123157A1/fr
Priority to PH12018550113A priority Critical patent/PH12018550113A1/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing

Definitions

  • the present invention relates to a system and method for reporting and/or responding to one or more events.
  • the system and method are suited for responding to a fraudulent or suspected fraudulent event such as ATM frauds.
  • ATM fraud in the form of ATM fraud is growing at an increasing rate over the past few years. For example, in the Philippines, hundreds of millions was lost in 2900 cases of Bank Fraud in the time period of 2012-2013. As of late 2014, ATM fraud is at its highest and growing and result in $2 billion or more in losses (and rising) at ATMs around the world.
  • Smart Chips & EMV Compliant chip cards are existing solutions to minimize fraud occurrences but these are imperfect solutions.
  • E-Commerce are typically dominated by Cash on Delivery (COD) transactions. Such increase in fraudulent activities result in the lack of trust of consumers in financial institutions.
  • COD Cash on Delivery
  • the invention is built upon existing electronic receipts (typically in the form of SMS) sent to a user informing him/her that a debit on his transaction account, such as a financial account (e.g. bank account) has taken place.
  • a financial account e.g. bank account
  • MIN mobile identification number
  • the user suspects or know that the debit or withdrawal is a fraudulent event he is required to initiate a call (which is regarded as an electronic trigger) to certain alphanumeric number(s) tied to the financial institution to lock his account.
  • MIN mobile identification number
  • a system for responding to an event comprises the provisioning of a communication facilitator for interfacing between a computer device and at least one financial institution.
  • the communication facilitator is associated with at least one destination address which may be in the form of network address.
  • Each of the at least one destination address may in turn be associated with one or more toll-free access numbers.
  • a system for reporting an event comprising a communication facilitator associated with at least one network destination address, the at least one network destination address associated with an alphanumeric identifier; a user device having a user identifier, the user identifier associated with a transaction account; and an account database maintaining a state of the transaction account, the account database arranged in data communication with the communication facilitator; wherein when the user device sends a request to establish a connection with the communication facilitator via the alphanumeric identifier, the user identifier is sent to the communication facilitator, and the communication facilitator is then operable to match the user identifier with the associated transaction account and electronically instruct the account database to change the state of the transaction account from a first state to a second state.
  • the alphanumeric identifier is a toll-free phone number.
  • the user identifier is one of the following: a Mobile Station International Subscriber Directory Number (MSISDN); an email address; a social network account number.
  • MSISDN Mobile Station International Subscriber Directory Number
  • email address an email address
  • social network account number a social network account number.
  • the account database is a financial institution.
  • the first state is an enabled state and the second state is a disabled state.
  • the account database is operable to establish a connection with the user device.
  • the connection with the user device includes verifying the identity of the user.
  • connection between the user device and communication facilitator is terminated after the communication facilitator receives the unique identifier and before the communication facilitator matches the user identifier with the associated account. In some embodiments, the connection between the user device and communication facilitator is terminated after the communication facilitator receives the unique identifier and before the state of the account is changed from the first state to the second state.
  • connection between the user device and communication facilitator is terminated after the communication facilitator receives the unique identifier and after the state of the account is changed from the first state to the second state.
  • connection between the user device and communication facilitator is established via an electronic text message.
  • registration of a user with the registration facilitator includes generation of a one time private key.
  • the one time private key may be generated based on a last transaction receipt with the transaction account.
  • the last transaction receipt is an Automatic Teller Machine (ATM) receipt.
  • ATM Automatic Teller Machine
  • the one time private key is generated based on combining a plurality of parameters in the ATM receipt.
  • the plurality of parameters may include the following: time of last ATM transaction, date of the last ATM transaction, a transaction account number, an ATM receipt number, an ATM identifier, a transaction amount, an available balance after transaction.
  • the one time private key may be valid for a pre-determined period of time for registration.
  • the registration facilitator is operable to verify the authenticity of the one time private key.
  • the one time private key is configured to expire after a pre-determined time elapse after the last transaction.
  • a communication facilitator for use in a system for reporting an event, the communication facilitator associated with at least one network destination address, the at least one network destination address associated with a alphanumeric identifier; the communication facilitator is further arranged in data communication with an account database; wherein when a user device having a user identifier establishes a connection with the communication facilitator via the alphanumeric identifier, the user identifier is sent to the communication facilitator, and the communication facilitator is then operable to match the user identifier with an associated transaction account and the communication facilitator is configured to issue an electronic instruction to change the state of the transaction account from a first state to a second state.
  • the alphanumeric identifier is a toll-free phone number.
  • the user identifier is one of the following: a Mobile Station International Subscriber Directory Number (MSISDN); an email address; a social network account number.
  • MSISDN Mobile Station International Subscriber Directory Number
  • email address an email address
  • social network account number a social network account number.
  • the account database is a financial institution.
  • the first state is an enabled state and the second state is a disabled state.
  • the account database is operable to establish another connection with the user device.
  • the connection with the user device includes verifying the identity of the user.
  • connection between the user device and communication facilitator is terminated after the communication facilitator receives the unique identifier and before the communication facilitator matches the user identifier with the associated account.
  • connection between the user device and communication facilitator is terminated after the communication facilitator receives the unique identifier and before the state of the account is changed from the first state to the second state.
  • connection between the user device and communication facilitator is terminated after the communication facilitator receives the unique identifier and after the state of the account is changed from the first state to the second state.
  • connection between the user device and communication facilitator is established via an electronic text message or a
  • system further comprises a registration facilitator for linking the transaction account with a subscriber account associated with the user device, the subscriber account hosted by a network provider.
  • the registration of a user with the registration facilitator includes generation of a one time private key.
  • the one time private key may be generated based on a last transaction receipt with the transaction account.
  • the last transaction receipt is an ATM receipt.
  • the one time private key is generated based on combining a plurality of parameters in the ATM receipt.
  • the plurality of parameters include the following: time of last ATM transaction, date of the last ATM transaction, a transaction account number, an ATM receipt number, an ATM identifier, a transaction amount, an available balance after transaction.
  • the last transaction receipt is valid for a pre-determined period of time for registration.
  • the registration facilitator is operable to verify the authenticity of the last transaction receipt.
  • the one time private key is configured to expire after a pre-determined time elapse after the last transaction.
  • a method for reporting an event comprising the steps of: sending from a user device a request for reporting a fraud to a communication facilitator, the request comprises an user identifier of the user device associated with a transaction account; receiving at the communication facilitator the request for connection; the communication facilitator operable to retrieve the user identifier and simultaneously disconnect from the user device; matching the user identifier against an account database to identify the transaction account associated with the user device; and changing the state of the transaction account from a first state to a second state.
  • non-transitory computer readable medium containing executable software instructions thereon wherein when executed performs the steps of: sending from a user device a request for reporting a fraud to a communication facilitator, the request comprises an user identifier of the user device associated with a transaction account; receiving at the communication facilitator the request for connection; the communication facilitator operable to retrieve the user identifier and simultaneously disconnect from the user device; matching the user identifier against an account database to identify the transaction account associated with the user device; and changing the state of the transaction account from a first state to a second state.
  • a registration facilitator for linking a transaction account with a subscriber account hosted by a network provider, comprising a one-time key generator for generating a one-time key; a transaction receipt receiver for receiving at least one transaction receipt; a registration interface for receiving a request for registration from a user; and an authenticator for verifying the request for registration; wherein the one-time key is generated based on a plurality of transaction parameters obtained from the at least one transaction receipt; and the authenticator is operable to compare the obtained plurality of transaction parameters with the one-time key and link the transaction account with the subscriber account if the one-time key corresponds with the plurality of transaction parameters.
  • the transaction receipt is an Automated Teller Machine (ATM) receipt.
  • ATM Automated Teller Machine
  • the plurality of transaction parameters include the following: time of last ATM transaction, date of the last ATM transaction, a transaction account number, an ATM receipt number, an ATM identifier, a transaction amount, an available balance after transaction.
  • the transaction receipt is valid for a pre-determined period of time for registration.
  • the one time private key is configured to expire after a pre-determined time elapse after the transaction.
  • the platform provides financial institutions with an additional robust and real- time layer of security for its customers for achieving at least the following objectives.
  • Fig. 1 is a system diagram in accordance with an embodiment of the invention
  • Fig. 2 is a system diagram comprising a registration facilitator for linking a transaction account with a subscriber account associated with the user device according to some embodiments;
  • Fig. 3 is a flow chart of a method for reporting or responding to a fraudulent event according to some embodiments.
  • Fig. 4 is a system diagram comprising a registration facilitator for linking a transaction account with a subscriber account hosted by a network provider.
  • a system 10 for reporting a fraudulent event comprising a communication facilitator 12 associated with at least one network destination address, the at least one network destination address associated with an alphanumeric identifier; a user device 14 having an user identifier 104, the user identifier 104 associated with a transaction account; and an account database 18 maintaining a state of the transaction account, the account database in data communication with the communication facilitator 12; wherein when the user device 14 sends a request to establish a connection with the communication facilitator 12 via the alphanumeric identifier, the user identifier 104 is sent to the communication facilitator 12, and the communication facilitator 12 is then operable to match the user identifier 104 with the associated transaction account and electronically instruct the account database 18 to change the state of the transaction account from a first state to a second state.
  • the first state is an enabled state and the second state is a disabled state. It is appreciated that the enabled state may be switched to the disabled state via different methods.
  • the system 10 may be implemented for reporting/responding to a transaction fraud attempt.
  • a communication facilitator 12 for interfacing between the user 14 (identified by a user device) and a financial institution 16.
  • the communication facilitator 12 is associated with one or more network destination addresses.
  • each of the network destination address may be associated with one or more toll-free phone numbers, or the network destination address may be the toll-free phone number.
  • the communication facilitator 12 may or may not be within the same network hosting the user device 14, and could be hosted in another network but the user device 14 may be able to establish data communication via auto- roaming, for example.
  • the communication facilitator 12 is preferably in data communication with the one or more financial institutions 16.
  • the communication facilitator 14 is preferably in data communication with the account database 18 held by the financial institution(s) 16 and may therefore access the user database 18 to lock the transaction account associated with a user when a fraudulent activity is suspected or detected.
  • the user identifier may comprise one or more of the following: a Mobile Station International Subscriber Directory Number (MSISDN); an email address; a social network account number. In some embodiments, the user identifier may also comprise a combination of any of the aforementioned identifiers.
  • MSISDN Mobile Station International Subscriber Directory Number
  • the account database is operable to establish a connection with the user device 14. Once connection with the user device 14 is established, verification of the identity of the user takes place.
  • connection between the user device 14 and communication facilitator 12 is typically cut or terminated before the communication facilitator 12 matches the user identifier with the associated account, but after the communication facilitator 12 has obtained the necessary information including the unique identifier 104 for purpose of checking, matching and/or identifying the transaction account of the user.
  • the connection between the user device 14 and communication facilitator 12 is cut before the state of the account is changed from the first state to the second state (i.e. drop call) to minimize or completely omit incurrance of costs to the user.
  • connection between the user device 14 and communication facilitator 12 is cut or terminated after the state of the account is changed from the first state to the second state.
  • connection between the user device 14 and communication facilitator 12 is established via an electronic text message, such as, but not limited to, a SMS message or a USSD message.
  • connection is established via the user device 14 initiating a Unstructured Supplementary Service Data (USSD) trigger or call dialing the alphanumeric identifier.
  • USSD Unstructured Supplementary Service Data
  • a system 200 comprising a registration facilitator 24 for linking the transaction account with a subscriber account associated with the user device 14, the subscriber account hosted by a network provider, such as, but not limited to, a telecommunications network provider 26.
  • the unique identifier 104 associated with the user device 14 may be also utilized for linkage with the registration facilitator 24.
  • the registration of a user with the registration facilitator 24 may include the generation of a one-time private key.
  • the one-time private key is generated based on a last transaction receipt with the transaction account.
  • the last transaction receipt may be an Automatic Teller Machine (ATM) receipt in the case of an ATM transaction.
  • ATM Automatic Teller Machine
  • the one-time private key may be generated based on combining a plurality of parameters in the ATM receipt.
  • the plurality of parameters may include the following: time of last ATM transaction, date of the last ATM transaction, a transaction account number, an ATM receipt number, an ATM identifier, a transaction amount, an available balance after transaction.
  • the one-time private key is valid for a pre-determined period of time for the user to perform his/her registration.
  • the pre-determined period may be two to five minutes, for example.
  • the registration facilitator 24 then operates to verify the authenticity of the one-time private key. This may include retrieving one or more of the plurality of parameters from an authentication database comprising entries of the plurality of parameters associated with the ATM receipt.
  • the one-time private key is configured to expire after the pre-determined time elapse after the last transaction.
  • a communication facilitator 12 for use in a system 10 for reporting a fraudulent event, the communication facilitator 12 associated with at least one network destination address, the at least one network destination address associated with an alphanumeric identifier; the communication facilitator 12 is further arranged in data communication with an account database, wherein when a user device 14 having a user identifier 104 establishes a connection with the communication facilitator via the alphanumeric identifier, the user identifier is sent to the communication facilitator, and the communication facilitator is then operable to match the user identifier with an associated transaction account and the communication facilitator is configured to issue an electronic instruction to change the state of the transaction account from a first state to a second state.
  • a method 300 for reporting a fraudulent event comprising the steps of: sending from a user device 14 a request for reporting a fraud to a communication facilitator 12 (step s302), the request comprises a user identifier 104 of the user device 14 associated with a transaction account; receiving at the communication facilitator the request for connection (step s304); the communication facilitator 12 operable to retrieve the user identifier 104 and simultaneously disconnect from the user device 14; matching the user identifier against an account database to identify the transaction account associated with the user device (step s306); and changing the state of the transaction account from a first state to a second state (step s308).
  • a non-transitory computer readable medium containing executable software instructions thereon wherein when executed performs the method 300 comprising steps of sending from a user device a request for reporting a fraud to a communication facilitator, the request comprises an user identifier of the user device associated with a transaction account; receiving at the communication facilitator the request for connection; the communication facilitator operable to retrieve the user identifier and simultaneously disconnect from the user device; matching the user identifier against an account database to identify the transaction account associated with the user device; and changing the state of the transaction account from a first state to a second state.
  • a registration facilitator 40 for linking a transaction account 42 with a subscriber account 44 hosted by a network provider 46, comprising a one-time key generator 48 for generating a one-time key; a transaction receipt receiver 50 for receiving at least one transaction receipt; a registration interface 52 for receiving a request for registration from a user; and an authenticator 54 for verifying the request for registration; wherein the one-time key is generated based on a plurality of transaction parameters obtained from the at least one transaction receipt; and the authenticator 54 is operable to compare the obtained plurality of transaction parameters with the one-time key and link the transaction account with the subscriber account if the one-time key corresponds with the plurality of transaction parameters.
  • the transaction receipt is an Automated Teller Machine (ATM) receipt.
  • ATM Automated Teller Machine
  • the plurality of transaction parameters include the following: time of last ATM transaction, date of the last ATM transaction, a transaction account number, an ATM receipt number, an ATM identifier, a transaction amount, an available balance after transaction.
  • the transaction receipt is valid for a pre-determined period of time for registration.
  • the one time private key is configured to expire after a pre-determined time elapse after the transaction.
  • the system 10 may be operated in the context of an ATM transaction associated with financial institution 16 maintaining the user account/ account database.
  • an electronic receipt in the form of a SMS or USSD message may be sent to the user device 14.
  • the electronic message is sent almost instanteously by a SMS centre arranged in data communication with the financial institution 16.
  • the electronic receipt contains details of how to report a fraudulent activity should he/she suspect of the same.
  • the alphanumeric identificer in the form of the toll-free access phone number associated with the communication facilitator 12, is provided in the electronic receipt.
  • the unique identifier of the user device 14 is sent to the communication facilitator 12 which then compares with entries in the account database maintained by the financial institution 16. Simultaneously the matching user transaction account, which may be a bank account associated with the user device 14 unique identifier (such as Mobile Identification Number) is locked or disabled.
  • An electronic notification message is sent to the financial customer service department of the financial institution 16. This is achieved without the need of the user 14 to provide any details to authenticate his/her identity, and/or wait for a period (e.g. 5 minutes) because of busy communication traffic, due to, for example, a situation where "all our customer service personnels are busy at the moment".
  • the connection is then ended (drop call) without the need for the user to speak to any customer service personnel.
  • the communication facilitator 12 which is in data communication with the financial institution 16 then sends a notification or alert to the bank customer service department, who may thereafter call the user 14 to confirm the details of the fraudulent event, while keeping the (already locked) user's account safe from further fraudulent attempts, which could have taken place if the account was locked later, rather than earlier. It is therefore to be appreciated that time is of essence when dealing with suspected fraudulent activities and the invention is focused to address the report of fraudulent activity in a fast, efficient and cheap manner or at no cost to the user (toll-free access alphanumeric identifier).
  • the communication facilitator 12 may interface with both the financial institution and the host network of the user 14. Such interface could preferably be in the form of one or more dedicated communication channels and is secured. Where there are multiple host networks in the form of multiple telecommunications carrier around the world, each host network has preferably have its own dedicated communication channel in data communication with the communication facilitator 12.
  • the communication facilitator 12 is in direct connection to the SMS center (SMSC) 204 or a USSD server 206 operable to send the electronic receipt, and may take over the management of the SMSC.
  • SMSC SMS center
  • USSD server 206 operable to send the electronic receipt
  • a drop call to change the state of the transaction account between unlocked and locked after the occurance of fraud is advantageous over systems which is based on or depends on interaction with authorized personnel.
  • a missed call/droped call does not incur cost for the user.
  • Most voice/call based triggers are priced per minute/per second(pulse charging). But since the call is dropped and is never answered, the backend communication facilitator 12 receives the unique identifier (i.e. mobile number) of the caller and the number or access code dialed. These details together with the date can be used for fraud record and context (Lock, unlock and date).
  • USSD as the trigger for changing the state of the bank account between locked and unlocked is further advantageous compared to the use of other types of triggers.
  • USSD may be initiated via a call with a user interface. It works as toll free at no cost to the user, meaning a user can trigger it even with zero balance and/or roaming outside the host network of the user device 14.
  • the electronic receipts and further notifications may be sent via a plurality of modes including SMS and email.
  • the above embodiments describe a technical solution for responding to fraud that is secured and easy to activate (with simply a dial) with savings in time to lock an account.
  • a user do not need to remember common authentication type questions such as 'mother's maiden name', 'First school' etc, to go through a series of such time-consuming activities in order to lock his account, by which time more fraudulent activities could have been carried out.
  • the toll-free access to the communication facilitator 12 allows easy access especially for pre-paid users who may be without load at the time he/she needs to report a fraudulent event.
  • a user may choose to register with the communication facilitator 12. As part of the registration process, the user may need to provide a scanned copy of the ATM receipt for a recent withdrawal transactions.
  • system is not limited to report or respond to a fraudulent event but may be applied for responding or reporting to other events.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Computer Security & Cryptography (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Data Exchanges In Wide-Area Networks (AREA)
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Abstract

L'invention concerne un système permettant de rapporter un événement, ledit procédé comprenant : un facilitateur de communication associé à au moins une adresse de destination de réseau, la ou les adresses de destination de réseau étant associées à un identifiant alphanumérique ; un dispositif utilisateur comprenant un identifiant d'utilisateur, l'identifiant d'utilisateur étant associé à un compte de transaction ; et une base de données de comptes permettant de conserver un état du compte de transaction, la base de données de comptes étant en communication de données avec le facilitateur de communication ; lorsque le dispositif utilisateur envoie une demande d'établissement de connexion avec le facilitateur de communication par le biais de l'identifiant alphanumérique, l'identifiant d'utilisateur est envoyé au facilitateur de communication, et le facilitateur de communication permet d'apparier l'identifiant d'utilisateur avec le compte de transaction associé et de demander électroniquement à la base de données de comptes de changer l'état du compte de transaction d'un premier état vers un second état.
PCT/SG2017/050017 2016-01-14 2017-01-13 Système et procédé de réponse à un événement frauduleux Ceased WO2017123157A1 (fr)

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Application Number Priority Date Filing Date Title
PH12018550113A PH12018550113A1 (en) 2016-01-14 2018-07-13 System and method for responding to a fraudulent event

Applications Claiming Priority (2)

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SG10201600285Q 2016-01-14
SG10201600285Q 2016-01-14

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WO2017123157A1 true WO2017123157A1 (fr) 2017-07-20

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Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7983979B2 (en) * 2005-03-10 2011-07-19 Debix One, Inc. Method and system for managing account information
US20130024923A1 (en) * 2010-03-31 2013-01-24 Paytel Inc. Method for mutual authentication of a user and service provider
WO2014175949A1 (fr) * 2013-04-26 2014-10-30 Quisk, Inc. Procédés et systèmes destinés à procurer une fonction de verrouillage de compte commandée par le client
US20150095984A1 (en) * 2013-09-27 2015-04-02 Yahoo! Inc. Method and system for system for controlling online user account using a mobile device

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7983979B2 (en) * 2005-03-10 2011-07-19 Debix One, Inc. Method and system for managing account information
US20130024923A1 (en) * 2010-03-31 2013-01-24 Paytel Inc. Method for mutual authentication of a user and service provider
WO2014175949A1 (fr) * 2013-04-26 2014-10-30 Quisk, Inc. Procédés et systèmes destinés à procurer une fonction de verrouillage de compte commandée par le client
US20150095984A1 (en) * 2013-09-27 2015-04-02 Yahoo! Inc. Method and system for system for controlling online user account using a mobile device

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