Protection Against Fraud

Account takeover protection is a way of mitigating fraud associated with SMS One Time Password (OTP) authentication. The Service Provider (SP) can see if a SIM has been swapped out reducing the risk of fraud where the customer’s mobile device is being used by the SP to provide secondary authentication (2FA)

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How does it work?
  • The Service Provider sends a request to the user’s operator for Mobile Connect’s Advanced Threat Protection (ATP).
  • The Operator receives the request and sends back a timestamp indicating when the last SIM swap took place, mapping the telephone number to the SIM for that particular MSISDN(Mobile Station International Subscriber Directory Number).
How is it used?
  • Helps combat fraud where SFA is used, such as when sending payments or carrying out bank transactions which may use SMS OPT in order to verify the user’s identity.
  • Combines MC Authenticate with MC APT, thus making the authentication process much more secure.
Benefits and Features
  • Mitigation of risk. Where an account has been taken over it helps avoid the device becoming compromised. It signals if there is an attempt to intercept a secondary authentication signal in an attempt to take over a user’s account.
  • Uses verified data which cannot be mimicked by malware.
  • Omni-channel: The service is invoked regardless of the device through which the user interacts with the service provider. Uses multiple channels – tables, PC, mobile telephones, Smart TVs and so on.
  • One single contract to access the service and one single standard API (OIDC).
  • The Operator can provide extra information if required. For example if an Unconditional Call Divert has been set – device changes – mobile account status (whether active or inactive) – if a lost/stolen report has been submitted for the device.