IBM has patented a technique that helps online and cloud-based businesses improve their ability to eliminate fraud by analyzing browsing behavior.
IBM’s invention can help web site operators, cloud service providers and mobile application developers more efficiently and effectively detect and deal with threats by using analytics to thwart fraudsters.
For example, when individuals access a banking or shopping site, they establish characteristics of how they interact with the site, such as clicking certain areas more often than others; using the up and down arrow keys on the keyboard to navigate; relying solely on the mouse; or tapping or swiping the screen of a tablet or smartphone in a distinct manner.
If the invention detects a change in behavior, it triggers a secondary authentication measure, such as a security question. This helps businesses and website operators avoid unintentionally hindering legitimate customer activities or transactions.
Keith Walker, IBM Master Inventor and co-inventor on the patent, said: “If an individual changes how they interact with an online bank or store, such as due to a broken hand or using a tablet instead of a desktop computer, I want these web sites to detect the change, and then ask for extra identity confirmation before accepting a transaction.”
As commerce is increasingly conducted online and via the cloud, a new generation of criminals is using digital channels – such as mobile devices, social networks and cloud platforms – to probe for weaknesses and vulnerabilities, including the ability to steal login and password information from the ecommerce sites we use every day.
InfotechLead News Team