In particular, Tinkoff summarized the results of the “Protect or return money” service, in which clients were returned 4.5 million rubles, which they handed over to fraudsters.
Following the “pandemic” of telephone banking fraud that has hit Russia in recent years, banks are trying to invent a “cure” or even a universal “vaccine” against attacks by fraudsters, especially since the laws regarding The protection of citizens against fraudsters are becoming more and more demanding. One of the effective tools is becoming anti-fraud platforms. Simply put, it is a set of IT tools designed to protect the user from scammers. For example, blocking a call from a suspicious number or interrupting a call during a conversation.
One of these tools is “We will protect or give you your money back”, developed by Tinkoff. This is a service that detects fraud during a call with a probability greater than 99%. If the “defender” cannot prevent telephone fraud, the bank will compensate for the losses.
In the first six months of operation, the algorithm prevented customers from stealing 170 million rubles, the developers reported. At the same time, there were clients who believed the scammers and still managed to give them money. These clients were compensated for losses of 4.5 million rubles.
“Compensation was paid to victims in cases where service users believed the scammers and the technology, for various reasons, could not block the call or the transfer and deposit of money into the attackers’ account in time” , explained Alexey Baklanov. , vice president and director of the Tinkoff Ecosystem Security Center.
The company also mentioned the most common fraudulent scenario that deceived customers believe. They have one call left from the “bank security service”. At the same time, the analyzes collected statistics on “attacks” based on the results of six months of work. Thus, the longest communication with scammers from one client lasted more than a week. And to protect a person from transferring funds to attackers, the service’s rapid response team had to go to the scene to personally convince the client.
In just six months of operation of the service, users received more than 300 thousand fraudulent calls. They were blocked or interrupted by Neuroshield’s protective technology. Detect scammers during a call.
At the same time, scammers are also improving their attack scenarios. Last year, a scheme in which scammers impersonate employees of mobile phone operators became widespread. And then, under the pretext of updating personal data, they ask customers for their account number. Neuroshield constantly learns and expands its database with similar scenarios to repel attacks.
