Megaphone, MTS, Beeline and Tele2 have developed antifrod platforms to protect commercial bank customers from fraud using social engineering. The platform integrates with the switches
the telecom operator and the bank’s CRM system and defines different types of events. The system distinguishes calls from bank customer service from fraudsters’ calls even when using a swing of numbers and helps
to prevent the illegal withdrawal of money from customer accounts. In addition to the operators, Tinkoff, Gazprombank, Raiffeisenbank, Moscow Credit Bank, MTS Bank and VTB, take part in the testing.
As explained by the participants, the antifrod platform helps to reduce the number of cases of illegal withdrawal of money from customer cards by swinging numbers. The product is primarily aimed at cases where
Fraudsters, under the guise of a credit institution, are misleading, receiving bank card information, and withdrawing money from customer accounts.
The telecom operator and the bank synchronize the signal traffic data with the bank CRM system on the basis of special software. Tele2 further enriches this data with the help of
big data analytics. In addition, the operator monitors all calls to customers from the so-called A-numbers – phones from which bank employees can call cardholders.
Tele2 conducted a pilot project to test the voice control system with Tinkoff. The operator and the bank have tested the platform to determine the various types of frod communications:
calls to clients from the swing of bank numbers, calls to the call center of the bank from false customer numbers, calls from “prison call centers”.
Two smart real-time systems exchange data about calls to general customers from the bank’s phone numbers. If a person is calling from a credit institution, but the antifrod platform is out
the bank does not confirm the call, so the call comes from fraudsters. In this case, the credit institution’s security system may promptly block the transaction being attacked by the customer to
prevent unauthorized transfer of funds from his account.
The platform does not block the calls themselves. Each potentially fraudulent event has its own code, the antifrod platform exchanges these codes with the bank, but the final decision to block
The bank accepts suspicious transactions according to its models.
Calls from the so-called “prison call centers” Tele2 determines on the basis of big data analytics, combining information about the call and the type of object from which the call comes.
According to RBC, citing its source, the operators’ decisions are based on the software of the Swedish company Hexagon.
“We have initiated negotiations with other participants to launch a universal platform that protects subscribers of all operators. But a really working system, tested with one of the largest banks
“Tinkoff” is only available in Tele2 “, – says the operator.
According to RBC, citing its source, the operators’ decisions are based on the software of the Swedish company Hexagon. Some participants have been developing for five years and finally in 2019
MTS has been told that their antifrod has been running since December 2019. The carrier’s system makes an online request to the traffic control center during the call and determines if it comes from a partner bank. if
the bank replies that the call from this number is not happening right now, the operator blocks the call and notifies the systems of the bank to promptly suspend unauthorized access to the client’s account and
prevent withdrawals. The bank itself provides the operator with a list of clients with MTS numbers.
The Megaphone system works a little differently. She informs the bank directly during a call that a customer has now received a call from a blacklisted number. As a result of this person’s operations
In the near future will be delivered with special attention. In addition, the bank sees reports of fraudulent calls to the call center with the substitution of the customer number.
VimpelCom did not disclose details of the operation of its antifrod, but Beeline’s representative stated that the operator works with all major banks.
According to FinCERT, the Central Bank’s cybersecurity unit, in 2018, 97% of thefts of customer payment cards were made using methods
social engineering (malicious misrepresentation by deception or abuse of trust). In total for 2018 fraudsters illegally withdrew from the cards of the Russians 1.4 billion rubles.
information security in banks
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