• Title/Summary/Keyword: Fraud Detection System

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Deterministic Private Matching with Perfect Correctness (정확성을 보장하는 결정적 Private Matching)

  • Hong, Jeong-Dae;Kim, Jin-Il;Cheon, Jung-Hee;Park, Kun-Soo
    • Proceedings of the Korean Information Science Society Conference
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    • 2006.10a
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    • pp.484-489
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    • 2006
  • Private Matching은 각기 다른 두 참여자 (two-party)가 가진 데이터의 교집합 (intersection)을 구하는 문제이다. Private matching은 보험사기 방지시스템 (insurance fraud detection system), 의료정보 검색, 항공기 탐승 금지자 목록 (Do-not-fly list) 검색 등에 이용될 수 있으며 다자간의 계산 (multiparty computation)으로 확장하면 전자투표, 온라인 게임 등에도 이용될 수 있다. 2004년 Freedman 등은 이 문제를 확률적 (probabilistic)으로 해결하는 프로토콜 (protocol) [1]을 제안하고 악의적인 공격자 (malicious adversary) 모델과 다자간 계산으로 확장하였다. 이 논문에서는 기존의 프로토콜을 결정적 (deterministic) 방법으로 개선하여 Semi-Honest 모델에서 결과의 정확성을 보장하는 한편, 이를 악의적인 공격자 모델에 확장하여 신뢰도와 연산속도를 향상시키는 새로운 프로토콜을 제안한다.

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A Study on Fraud Detection System for Mobile billings Service environment (모바일 소액결제 서비스 환경에서의 이상금융거래 탐지 시스템 적용에 대한 연구)

  • Choi, Eun Young;Shin, Youngsang;Lee, Taijin
    • Proceedings of the Korea Information Processing Society Conference
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    • 2015.10a
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    • pp.661-663
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    • 2015
  • 인터넷의 모바일화에 따른 스마트폰 이용자의 증가는 모바일 기반의 다양한 서비스가 개발 보급되는 환경을 제공하였다. 그 중에서도 모바일 폰을 사용한 결제 서비스는 결제의 편리성이라는 이점으로 활성화 되고 있지만, 편리한 만큼 보안의 취약성을 가질 수 있다는 단점이 있다. 특히, 초기에 모바일 기반 소액결제 서비스가 활성화 되면서, 스미싱으로 인한 이용자 피해가 사회문제로 대두되면서 이를 해결하기 위한 대안들이 제시되었다. 전자금융거래로 인한 금전적 피해는 카드사에서 이미 진행되고 있었으며, 최근에는 이용자의 피해를 최소화하기 위해서 은행, 증권사에도 이상금융거래 탐지 시스템(FDS) 구축을 규제하고 있다. 이에, 논문에서는 모바일 소액결제 서비스 환경에서의 이상금융거래 탐지를 위한 시스템 개발에 대한 연구 방향에 대해서 제시하고자 한다.

Study on a Real Time Based Suspicious Transaction Detection and Analysis Model to Prevent Illegal Money Transfer Through E-Banking Channels (전자금융 불법이체사고 방지를 위한 실시간 이상거래탐지 및 분석 대응 모델 연구)

  • Yoo, Si-wan
    • Journal of the Korea Institute of Information Security & Cryptology
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    • v.26 no.6
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    • pp.1513-1526
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    • 2016
  • Since finance companies started e-banking services, those services have been diversified and use of them has continued to increase. Finance companies are implementing financial security policy for safe e-banking services, but e-Banking incidents are continuing to increase and becoming more intelligent. Along with the rise of internet banks and boosting Fintech industry, financial supervisory institutes are not only promoting user convenience through improving e-banking regulations such as enforcing Non-face-to-face real name verification policy and abrogating mandatory use of public key certificate or OTP(One time Password) for e-banking transactions, but also recommending the prevention of illegal money transfer incidents through upgrading FDS(Fraud Detection System). In this study, we assessed a blacklist based auto detection method suitable for overall situations for finance company, a real-time based suspicious transaction detection method linking with blacklist statistics model by each security level, and an alternative FDS model responding to typical transaction patterns of which information were collected from previous e-Banking incidents.

A Study of the Improvement Method of I-pin Mass Illegal Issue Accident (아이핀 대량 부정발급 사고에 대한 개선방법 연구)

  • Lee, Younggyo;Ahn, Jeonghee
    • Journal of Korea Society of Digital Industry and Information Management
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    • v.11 no.2
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    • pp.11-22
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    • 2015
  • The almost of Web page has been gathered the personal information(Korean resident registration number, name, cell-phone number, home telephone number, E-mail address, home address, etc.) using the membership and log-in. The all most user of Web page are concerned for gathering of the personal information. I-pin is the alternative means of resident registration number and has been used during the last ten-year period in the internet. The accident of I-pin mass illegal issue was happened by hacker at February, 2015. In this paper, we analysis the problems of I-pin system about I-pin mass illegal issue accident and propose a improvement method of it. First, I-pin issue must be processed by the off-line of face certification in spite of user's inconvenience. Second, I-pin use must be made up through second certification of password or OTP. The third, the notification of I-pin use must be sent to the user by the text messaging service of cell-phone or the E-mail. The forth, I-pin must be used an alternative means of Korean resident registration number in Internet. The methods can reduce the problems of I-pin system.

Why Should I Ban You! : X-FDS (Explainable FDS) Model Based on Online Game Payment Log (X-FDS : 게임 결제 로그 기반 XAI적용 이상 거래탐지 모델 연구)

  • Lee, Young Hun;Kim, Huy Kang
    • Journal of the Korea Institute of Information Security & Cryptology
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    • v.32 no.1
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    • pp.25-38
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    • 2022
  • With the diversification of payment methods and games, related financial accidents are causing serious problems for users and game companies. Recently, game companies have introduced an Fraud Detection System (FDS) for game payment systems to prevent financial incident. However, FDS is ineffective and cannot provide major evidence based on judgment results, as it requires constant change of detection patterns. In this paper, we analyze abnormal transactions among payment log data of real game companies to generate related features. One of the unsupervised learning models, Autoencoder, was used to build a model to detect abnormal transactions, which resulted in over 85% accuracy. Using X-FDS (Explainable FDS) with XAI-SHAP, we could understand that the variables with the highest explanation for anomaly detection were the amount of transaction, transaction medium, and the age of users. Based on X-FDS, we derive an improved detection model with an accuracy of 94% was finally derived by fine-tuning the importance of features that adversely affect the proposed model.

A Design of Mobile Fitness Recommendation System Based on Data Sharing Mechanism (실시간 이상거래 탐지 기법에 관한 연구)

  • Jang, Ki-Man;Kim, Kyung-Hwan;Choi, Kwang-Nam;Kim, Chang-Su;Jung, Hoe-Kyung
    • Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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    • 2015.10a
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    • pp.763-765
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    • 2015
  • The study is being conducted to ensure the transparency of research and development have identified the problems of the current system and improve the way out. Such a study about the subject that do not follow either outside the institutional system has a disadvantage compared to an unfulfilled. R & D in order to prevent the misuse and fraud enforcement shall detect abnormal transactions that occur from transactions between research institutions and credit card issuers in real time. In this paper, we propose a detection method for real-time transaction over. It is able to detect and respond fraudulent transactions that may occur in a variety of environments by adding the data obtained by the business rules to derive stopped making detection system.

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Security Vulnerability and Security Measures of Kakao Bank in Industrial Environment (산업환경에서 카카오 뱅크가 가지는 보안취약점 및 보안대책)

  • Hong, Sunghyuck
    • Journal of Industrial Convergence
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    • v.17 no.2
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    • pp.1-7
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    • 2019
  • The Kakao bank can be conveniently used if there are only smartphones, identity cards, and bank accounts. However, a few days before the inauguration of Kakao Bank, the company opened an account for receiving loans from other people. In order to avoid such cases, the financial transactions will be detected if the SDS is withdrawn at a short interval of time. The detection system of FDS has four functions which are monitoring and auditing, collection, analysis, and response. There are security problems of the cocoa banks in various directions. The Kakao bank has a way to respond to the problem using FDS.: Keywords : Cocoa bank, security issues, information protection, FDS

Financial Fraud Detection using Text Mining Analysis against Municipal Cybercriminality (지자체 사이버 공간 안전을 위한 금융사기 탐지 텍스트 마이닝 방법)

  • Choi, Sukjae;Lee, Jungwon;Kwon, Ohbyung
    • Journal of Intelligence and Information Systems
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    • v.23 no.3
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    • pp.119-138
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    • 2017
  • Recently, SNS has become an important channel for marketing as well as personal communication. However, cybercrime has also evolved with the development of information and communication technology, and illegal advertising is distributed to SNS in large quantity. As a result, personal information is lost and even monetary damages occur more frequently. In this study, we propose a method to analyze which sentences and documents, which have been sent to the SNS, are related to financial fraud. First of all, as a conceptual framework, we developed a matrix of conceptual characteristics of cybercriminality on SNS and emergency management. We also suggested emergency management process which consists of Pre-Cybercriminality (e.g. risk identification) and Post-Cybercriminality steps. Among those we focused on risk identification in this paper. The main process consists of data collection, preprocessing and analysis. First, we selected two words 'daechul(loan)' and 'sachae(private loan)' as seed words and collected data with this word from SNS such as twitter. The collected data are given to the two researchers to decide whether they are related to the cybercriminality, particularly financial fraud, or not. Then we selected some of them as keywords if the vocabularies are related to the nominals and symbols. With the selected keywords, we searched and collected data from web materials such as twitter, news, blog, and more than 820,000 articles collected. The collected articles were refined through preprocessing and made into learning data. The preprocessing process is divided into performing morphological analysis step, removing stop words step, and selecting valid part-of-speech step. In the morphological analysis step, a complex sentence is transformed into some morpheme units to enable mechanical analysis. In the removing stop words step, non-lexical elements such as numbers, punctuation marks, and double spaces are removed from the text. In the step of selecting valid part-of-speech, only two kinds of nouns and symbols are considered. Since nouns could refer to things, the intent of message is expressed better than the other part-of-speech. Moreover, the more illegal the text is, the more frequently symbols are used. The selected data is given 'legal' or 'illegal'. To make the selected data as learning data through the preprocessing process, it is necessary to classify whether each data is legitimate or not. The processed data is then converted into Corpus type and Document-Term Matrix. Finally, the two types of 'legal' and 'illegal' files were mixed and randomly divided into learning data set and test data set. In this study, we set the learning data as 70% and the test data as 30%. SVM was used as the discrimination algorithm. Since SVM requires gamma and cost values as the main parameters, we set gamma as 0.5 and cost as 10, based on the optimal value function. The cost is set higher than general cases. To show the feasibility of the idea proposed in this paper, we compared the proposed method with MLE (Maximum Likelihood Estimation), Term Frequency, and Collective Intelligence method. Overall accuracy and was used as the metric. As a result, the overall accuracy of the proposed method was 92.41% of illegal loan advertisement and 77.75% of illegal visit sales, which is apparently superior to that of the Term Frequency, MLE, etc. Hence, the result suggests that the proposed method is valid and usable practically. In this paper, we propose a framework for crisis management caused by abnormalities of unstructured data sources such as SNS. We hope this study will contribute to the academia by identifying what to consider when applying the SVM-like discrimination algorithm to text analysis. Moreover, the study will also contribute to the practitioners in the field of brand management and opinion mining.

A Study of Technical Countermeasure System for the Smishing Detection and Prevention Based on the Android Platform (안드로이드 플랫폼 기반에서 스미싱 탐지 및 차단을 위한 기술적 대응체계 연구)

  • Seo, Gil-Won;Moon, Il-Young
    • Journal of Advanced Navigation Technology
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    • v.18 no.6
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    • pp.569-575
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    • 2014
  • Since 2009 the number of users of smart phones and tablet PC is growing exponentially. In particular Apple's iOS and Google's Android OS are the heart of this remarkable growth, most of smart phone and tablet PC are designed to operate based on these two OS. Such increasing use of smart devices has led to changes in the social environment that allows, without the constraints of time and place. However, such development does not supply only ease to do something, even compared to past, financial fraud and information leakage are easier than before by variety of new types of attack for example phishing, pharming, smishing and qshing. So according to this paper, analyzes for smishing attack, propose a countermeasure system of the technical way and proved its higher performance compare to the existing method.

How to improve carrier (telecommunications) billing services to prevent damage (통신과금서비스의 피해예방을 위한 개선방안)

  • Yoo, Soonduck;Kim, Jungil
    • Journal of Digital Convergence
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    • v.11 no.10
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    • pp.217-224
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    • 2013
  • Due to the development of mobile technologies, the carrier (telecommunications) billing service market is rapidly growing. carrier (telecommunications) billing service allows users to make on-line purchases through mobile-billing. Users find this particularly convenient because the payment acts as a credit transaction. Furthermore, the system is commonly believed to be secure through its use of SMS (Short Message Service) authentication and a real-time transaction history to confirm the transaction. Unfortunately, there is a growing number of fraudulent transactions threaten the future of this system. The more well documented types of security breaches involves hackers intercepting the authentication process. By contaminating the device with security breaching applications, hackers can secretly make transactions without notifying users until the end of month phone bill. This study sheds light on the importance of this societal threat and suggests solutions. In particular, "secure" systems need to be more proactive in addressing the methods hackers use to make fraudulent transactions. Our research partially covers specific methods to prevent fraudulent transactions on carrier billing service providers' systems. We discuss about the proposed improvements such as complement of electronic payment systems, active promotion for fraudulent transactions enhanced monitoring, fraud detection and introduce a new authentication service. This research supports a future of secure communications billing services, which is essential to expanding new markets.