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WO2024144718A1 - System for detecting fraudulent activities based on location - Google Patents

System for detecting fraudulent activities based on location Download PDF

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Publication number
WO2024144718A1
WO2024144718A1 PCT/TR2023/051750 TR2023051750W WO2024144718A1 WO 2024144718 A1 WO2024144718 A1 WO 2024144718A1 TR 2023051750 W TR2023051750 W TR 2023051750W WO 2024144718 A1 WO2024144718 A1 WO 2024144718A1
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WO
WIPO (PCT)
Prior art keywords
bank
user
information
bank card
server
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/TR2023/051750
Other languages
French (fr)
Inventor
Gokce MUSTUCU
Ogun OZKAN
Onur Buk
Ozgur Bozkurt
Umay KARAAGAC
Alper SURMEN
Fatma KANILMAZ
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.)
Turkcell Teknoloji Arastirma Ve Gelistirme AS
Original Assignee
Turkcell Teknoloji Arastirma Ve Gelistirme AS
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 Turkcell Teknoloji Arastirma Ve Gelistirme AS filed Critical Turkcell Teknoloji Arastirma Ve Gelistirme AS
Publication of WO2024144718A1 publication Critical patent/WO2024144718A1/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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • 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
    • G06Q20/4015—Transaction verification using location information
    • 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 which enables to detect the persons who carry out transaction with a stolen ID (identity) or card and to determine whether a transaction, which is made by comparing the location information of the person who carries out a suspicious transaction with the mobile number of the holder of the stolen card, will be carried out by a fraudster or not.
  • a stolen ID identity
  • the present invention relates to a system which enables to detect the persons who carry out transaction with a stolen ID (identity) or card and to determine whether a transaction, which is made by comparing the location information of the person who carries out a suspicious transaction with the mobile number of the holder of the stolen card, will be carried out by a fraudster or not.
  • the United States patent document no. US2012246076 discloses a system for preventing a fraudulent use of a credit card.
  • a server receives a card ID of a credit card, a credit amount, and a terminal ID for identifying a shop terminal from a shop terminal, to start credit processing.
  • the server acquires a corresponding user ID from the card ID, to find out whether this user has approved that location information can be acquired from his/her mobile terminal.
  • the server acquires a mobile phone number from the user ID, to know a location of the mobile terminal with use of this mobile phone number.
  • the server acquires a shop ID from the terminal ID (fixed-line phone number) of the shop terminal, to be able to acquire a shop location from the shop ID.
  • the server compares the location of the mobile terminal and the location of the shop, to judge whether or not conformance is made with a predetermined condition. In the case where it is judged that conformance is made with the condition, the server makes a normal credit judgment, thereby sends a reply to the credit inquiry.
  • An objective of the present invention is to realize a system which enables to receive the coordinate information of the location where the transaction is carried out from the bank, without asking the user for location sharing permission in any monetary transaction; to enable the related bank to take action according to the distance information transmitted to it by sharing only the information about whether the location of the user’s mobile phone is within a certain distance to the place where the said monetary transaction is carried out, with the bank by using an algorithm; and detects fraudulent activities based on location.
  • Figure 1 is a schematic view of the inventive system for detecting fraudulent activities based on location
  • the inventive system (1) for detecting fraudulent activities based on location which enables to detect the persons who carry out transaction with a stolen ID (identity) or card and to determine whether a transaction, that is made by comparing the location information of the person who carries out a suspicious transaction with the mobile number of the holder of the stolen card, will be carried out by a fraudster or not; comprises at least one bank card (2) which gets in contact with the infrastructure of the bank where the user is a customer; and is configured to enable the user to carry out monetary transactions at a bank branch or ATM; at least one bank server (3) which gets in contact with the bank infrastructure; and is configured to check the user identity information, the user password in the related bank card (2) while a transaction is carried out at a bank branch or ATM and to ensure that the current location of the bank card (2) where a transaction is carried out is shared with external sources; at least one database (4) which gets in contact with the bank server (3); and is configured to store the phone number information of the registered holder of the bank card (2) and the coordinate information of the locations of transactions carried out on
  • the bank card (2) included in the inventive system (1) is configured to ensure that transactions such as cash withdrawal, bill payment are carried out at ATMs and bank branches in association with the bank infrastructure of the user, by the data included in itself.
  • the bank server (3) included in the inventive system (1) is configured to get in contact with the server (5) over a web service; to call a verification web service in order to verify whether there has been an entry in a suspicious site recently via the phone number of the user carrying out a transaction by his/her bank card (2); to generate a log-in number over a service provider gateway platform when it is detected that the identity information entered by the bank card (2) user is correct; to query the phone number information of the user over the database (4) by transmitting the log-in number information to the bank number information.
  • the bank server (3) is configured to initiate the access process to the position and/or location coordinates information based on the phone number of the related user on the server (5) by the phone number information of the bank card (2) user accessed.
  • the database (4) included in the inventive system (1) is configured to store the coordinate information of the locations where the bank card (2) user -who is authenticated- carries out the related monetary transactions during the transactions s/he carried out, by getting in contact with the bank infrastructure with which the bank card (2) is associated.
  • the server (5) included in the inventive system (1) is configured to compare the coordinate data of the location where the user next to the bank card (2) is located with the coordinate data of the location of the phone number stored in the database service has determined that the identity information and password information entered are correct.
  • the server (5) is configured to enable a user to carry out a monetary transaction by his/her bank card (2) securely by transmitting a message comprising the information that the user who carries out a monetary transaction by his/her bank card (2) is the rightful holder of the bank card (2) to the bank server (3), in the event that the distance between the coordinates obtained as a result of the comparison is less than or equal to the threshold distance determined by the bank infrastructure.
  • a user wants to carry out a monetary transaction by visiting an ATM or bank branch by his/her bank card (2).
  • the bank server (3) included in the invention asks the bank card (2) user to enter his/her identity information by establishing communication with the bank infrastructure in association with the bank card (2).
  • the identity information entered by the user prove to be right, it is ensured that the coordinate information of the phone number information of the registered holder of the bank card (2) is detected over the server (5).
  • the location coordinate data of the instant monetary transactions carried out by the bank card (2) user are stored in the database (4).
  • the server (5) compares the current coordinate data of the user with the coordinate data of the location of the number information of the bank card (2) holder who is registered in the database (4).

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to a system (1) which enables to detect the persons who carry out transaction with a stolen ID (identity) or card and to determine whether a transaction, which is made by comparing the location information of the person who carries out a suspicious transaction with the mobile number of the holder of the stolen card, will be carried out by a fraudster or not.

Description

SYSTEM FOR DETECTING FRAUDULENT ACTIVITIES BASED ON LOCATION
Technical Field
The present invention relates to a system which enables to detect the persons who carry out transaction with a stolen ID (identity) or card and to determine whether a transaction, which is made by comparing the location information of the person who carries out a suspicious transaction with the mobile number of the holder of the stolen card, will be carried out by a fraudster or not.
Background of the Invention
Today, users can carry out financial transactions by their own ID cards or credit, shopping cards. When their ID card is stolen, the real holder of the card may end up being involved in criminal situations. In addition, when people who lose their credit card or have it stolen do not realize that their card has been stolen early, they may find out that the entire balance has been withdrawn from their card in a very short time. Although financial companies block the said stolen cards by quickly taking action against the theft of credit cards and shopping cards, some fraudsters can act more quickly than bank companies. In the state of the art, analysis is made against previous fraud information based on the locations of the user equipment. In another state of the technique, it is possible to detect fraudulent activities by determining unauthorized use of wireless communication services by means of a cloned mobile device.
However, in the current technique, there is no solution which enables to receive the coordinate information of the location where the transaction is carried out from the bank, without asking the user for location sharing permission in any monetary transaction; to enable the related bank to take action according to the distance information transmitted to it by sharing only the information about whether the location of the user’s mobile phone is within a certain distance to the place where the said monetary transaction is carried out, with the bank by using an algorithm.
The United States patent document no. US2012246076, an application included in the state of the art, discloses a system for preventing a fraudulent use of a credit card. In the invention mentioned in the United States patent document no. US2012246076, a server receives a card ID of a credit card, a credit amount, and a terminal ID for identifying a shop terminal from a shop terminal, to start credit processing. The server acquires a corresponding user ID from the card ID, to find out whether this user has approved that location information can be acquired from his/her mobile terminal. In the case where the user has approved that location information is acquired in advance, the server acquires a mobile phone number from the user ID, to know a location of the mobile terminal with use of this mobile phone number. Area information of a base station in which the mobile phone resides is provided in the case where the mobile terminal is not equipped with a GPS function. The server acquires a shop ID from the terminal ID (fixed-line phone number) of the shop terminal, to be able to acquire a shop location from the shop ID. The server compares the location of the mobile terminal and the location of the shop, to judge whether or not conformance is made with a predetermined condition. In the case where it is judged that conformance is made with the condition, the server makes a normal credit judgment, thereby sends a reply to the credit inquiry.
Summary of the Invention
An objective of the present invention is to realize a system which enables to receive the coordinate information of the location where the transaction is carried out from the bank, without asking the user for location sharing permission in any monetary transaction; to enable the related bank to take action according to the distance information transmitted to it by sharing only the information about whether the location of the user’s mobile phone is within a certain distance to the place where the said monetary transaction is carried out, with the bank by using an algorithm; and detects fraudulent activities based on location.
Detailed Description of the Invention
“A System for Detecting Fraudulent Activities Based on Location” realized to fulfil the objective of the present invention is shown in the figure attached, in which:
Figure 1 is a schematic view of the inventive system for detecting fraudulent activities based on location
The components illustrated in the figure are individually numbered, where the numbers refer to the following:
1. System
2. Bank card
3. Bank server
4. Database
5. Analysis server
The inventive system (1) for detecting fraudulent activities based on location which enables to detect the persons who carry out transaction with a stolen ID (identity) or card and to determine whether a transaction, that is made by comparing the location information of the person who carries out a suspicious transaction with the mobile number of the holder of the stolen card, will be carried out by a fraudster or not; comprises at least one bank card (2) which gets in contact with the infrastructure of the bank where the user is a customer; and is configured to enable the user to carry out monetary transactions at a bank branch or ATM; at least one bank server (3) which gets in contact with the bank infrastructure; and is configured to check the user identity information, the user password in the related bank card (2) while a transaction is carried out at a bank branch or ATM and to ensure that the current location of the bank card (2) where a transaction is carried out is shared with external sources; at least one database (4) which gets in contact with the bank server (3); and is configured to store the phone number information of the registered holder of the bank card (2) and the coordinate information of the locations of transactions carried out on the bank card (2) of the user who was authenticated in the past; and at least one server (5) which gets in contact with the bank server (3), the database (4) and the communication network where the bank card (2) user is a subscriber; gets in contact with the bank server (3) over a verification web service; and is configured to call a verification service querying whether the identity information and the password information of the user carrying the bank card (2) with herself/himself are correct on the bank server (3) at first when it accesses the information that the user carrying the bank card (2) wants to carry out a monetary transaction at a ATM or bank branch, by getting in contact with the bank infrastructure; to compare the coordinate data of the location where the user next to the bank card (2) with the coordinate data of the location of the phone number of the bank card (2) holder stored in the database (4), when it accesses the information that the verification service has determined that the identity information and password information entered are correct; and to trigger the transaction of blocking of the bank card (2) by the bank server (3) by transmitting a warning message to the bank server (3) and informing it that the person using the bank card (2) is a fraudster, when it is determined that the distance between the coordinates obtained as a result of the comparison is greater than a threshold distance determined by the bank infrastructure.
The bank card (2) included in the inventive system (1) is configured to ensure that transactions such as cash withdrawal, bill payment are carried out at ATMs and bank branches in association with the bank infrastructure of the user, by the data included in itself.
The bank server (3) included in the inventive system (1) is configured to get in contact with the server (5) over a web service; to call a verification web service in order to verify whether there has been an entry in a suspicious site recently via the phone number of the user carrying out a transaction by his/her bank card (2); to generate a log-in number over a service provider gateway platform when it is detected that the identity information entered by the bank card (2) user is correct; to query the phone number information of the user over the database (4) by transmitting the log-in number information to the bank number information. The bank server (3) is configured to initiate the access process to the position and/or location coordinates information based on the phone number of the related user on the server (5) by the phone number information of the bank card (2) user accessed.
The database (4) included in the inventive system (1) is configured to store the coordinate information of the locations where the bank card (2) user -who is authenticated- carries out the related monetary transactions during the transactions s/he carried out, by getting in contact with the bank infrastructure with which the bank card (2) is associated.
The server (5) included in the inventive system (1) is configured to compare the coordinate data of the location where the user next to the bank card (2) is located with the coordinate data of the location of the phone number stored in the database
Figure imgf000007_0001
service has determined that the identity information and password information entered are correct. The server (5) is configured to enable a user to carry out a monetary transaction by his/her bank card (2) securely by transmitting a message comprising the information that the user who carries out a monetary transaction by his/her bank card (2) is the rightful holder of the bank card (2) to the bank server (3), in the event that the distance between the coordinates obtained as a result of the comparison is less than or equal to the threshold distance determined by the bank infrastructure.
Industrial Application of the Invention
In the inventive system (1), a user wants to carry out a monetary transaction by visiting an ATM or bank branch by his/her bank card (2). The bank server (3) included in the invention asks the bank card (2) user to enter his/her identity information by establishing communication with the bank infrastructure in association with the bank card (2). Upon the identity information entered by the user prove to be right, it is ensured that the coordinate information of the phone number information of the registered holder of the bank card (2) is detected over the server (5). The location coordinate data of the instant monetary transactions carried out by the bank card (2) user are stored in the database (4). The server (5) compares the current coordinate data of the user with the coordinate data of the location of the number information of the bank card (2) holder who is registered in the database (4). The server (5) sends a warning message to the bank server (3) by marking the user who carries out a transaction by his/her debit card (2) as a fraudster, in the event that the distance between two coordinates is greater than a predetermined threshold value as a result of the coordinate comparison made. Thereby, the rightful holder of the bank card (2) is protected by cancelling the monetary transactions the debit card (2), who is bank identified as fraudulent, is about to carry out. With the inventive system (1), it is possible to receive the coordinate information of the location where the transaction is carried out from the bank, without asking the user for location sharing permission in any monetary transaction; to enable the related bank to take action according to the distance information transmitted to it by sharing only the information about whether the location of the user’s mobile phone is within a certain distance to the place where the said monetary transaction is carried out, with the bank by using an algorithm.
Since the location information of users is not shared with any third party in the inventive system (1), the user data included in this system (1) is in accordance with the Personal Data Protection Law (KVKK) in terms of security.
Within these basic concepts; it is possible to develop a wide variety of embodiments of the inventive “System (1) for Detecting Fraudulent Activities Based on Location”; the invention cannot be limited to examples disclosed herein and it is essentially according to claims.

Claims

1. A system (1) for detecting fraudulent activities based on location which enables to detect the persons who carry out transaction with a stolen ID (identity) or card and to determine whether a transaction, that is made by comparing the location information of the person who carries out a suspicious transaction with the mobile number of the holder of the stolen card, will be carried out by a fraudster or not; comprising at least one bank card (2) which gets in contact with the infrastructure of the bank where the user is a customer; and is configured to enable the user to carry out monetary transactions at a bank branch or ATM; at least one bank server (3) which gets in contact with the bank infrastructure; and is configured to check the user identity information, the user password in the related bank card (2) while a transaction is carried out at a bank branch or ATM and to ensure that the current location of the bank card (2) where a transaction is carried out is shared with external sources; at least one database (4) which gets in contact with the bank server (3); and is configured to store the phone number information of the registered holder of the bank card (2) and the coordinate information of the locations of transactions carried out on the bank card (2) of the user who was authenticated in the past; and characterized by at least one server (5) which gets in contact with the bank server (3), the database (4) and the communication network where the bank card (2) user is a subscriber; gets in contact with the bank server (3) over a verification web service; and is configured to call a verification service querying whether the identity information and the password information of the user carrying the bank card (2) with herself/himself are correct on the bank server (3) at first when it accesses the information that the user carrying the bank card (2) wants to carry out a monetary transaction at a ATM or bank branch, by getting in contact with the bank infrastructure; to compare the coordinate data of the location where the user next to the bank card (2) with the coordinate data of the location of the phone number of the bank card (2) holder stored in the database (4), when it accesses the information that the verification service has determined that the identity information and password information entered are correct; and to trigger the transaction of blocking of the bank card (2) by the bank server (3) by transmitting a warning message to the bank server (3) and informing it that the person using the bank card (2) is a fraudster, when it is determined that the distance between the coordinates obtained as a result of the comparison is greater than a threshold distance determined by the bank infrastructure.
2. A system (1) according to Claim 1; characterized by the bank card (2) which is configured to ensure that transactions such as cash withdrawal, bill payment are carried out at ATMs and bank branches in association with the bank infrastructure of the user, by the data included in itself.
3. A system (1) according to Claim 1 or 2; characterized by the bank server (3) which is configured to get in contact with the server (5) over a web service; to call a verification web service in order to verify whether there has been an entry in a suspicious site recently via the phone number of the user carrying out a transaction by his/her bank card (2); to generate a log-in number over a service provider gateway platform when it is detected that the identity information entered by the bank card (2) user is correct; to query the phone number information of the user over the database (4) by transmitting the log-in number information to the bank number information.
4. A system (1) according to any of the preceding claims; characterized by the bank server (3) which is configured to initiate the access process to the position and/or location coordinates information based on the phone number of the related user on the server (5) by the phone number information of the bank card (2) user accessed.
5. A system (1) according to any of the preceding claims; characterized by the database (4) which is configured to is configured to store the coordinate information of the locations where the bank card (2) user -who is authenticated- carries out the related monetary transactions during the transactions s/he carried out, by getting in contact with the bank infrastructure with which the bank card (2) is associated.
6. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to compare the coordinate data of the location where the user next to the bank card (2) is located with the coordinate data of the location of the phone number stored in the database (4) of the bank card (2) holder, when it accesses the information that the verification service has determined that the identity information and password information entered are correct.
7. A system (1) according to any of the preceding claims; characterized by the server (5) which is configured to enable a user to carry out a monetary transaction by his/her bank card (2) securely by transmitting a message comprising the information that the user who carries out a monetary transaction by his/her bank card (2) is the rightful holder of the bank card (2) to the bank server (3), in the event that the distance between the coordinates obtained as a result of the comparison is less than or equal to the threshold distance determined by the bank infrastructure.
PCT/TR2023/051750 2022-12-28 2023-12-27 System for detecting fraudulent activities based on location Ceased WO2024144718A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
TR2022/021113 2022-12-28
TR2022/021113A TR2022021113A2 (en) 2022-12-28 2022-12-28 A SYSTEM THAT DETECTS FRAUD ACTIVITIES BASED ON LOCATION

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WO2024144718A1 true WO2024144718A1 (en) 2024-07-04

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Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20090012898A1 (en) * 2007-07-02 2009-01-08 Lucent Technologies Inc. Location based credit card fraud prevention
US8479983B1 (en) * 2002-11-26 2013-07-09 Diebold Self-Service Systems Division Of Diebold, Incorporated Automated banking machine operation authorization based on user location verified by data read from data bearing records
US10977656B1 (en) * 2019-12-26 2021-04-13 Capital One Services, Llc System and method for detecting fraudulent bank transactions

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8479983B1 (en) * 2002-11-26 2013-07-09 Diebold Self-Service Systems Division Of Diebold, Incorporated Automated banking machine operation authorization based on user location verified by data read from data bearing records
US20090012898A1 (en) * 2007-07-02 2009-01-08 Lucent Technologies Inc. Location based credit card fraud prevention
US10977656B1 (en) * 2019-12-26 2021-04-13 Capital One Services, Llc System and method for detecting fraudulent bank transactions

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Publication number Publication date
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