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METHOD AND SYSTEM FOR IDENTIFYING AND ADDRESSING POTENTIAL ACCOUNT TAKEOVER ACTIVITY IN A FINANCIAL SYSTEM
METHOD AND SYSTEM FOR IDENTIFYING AND ADDRESSING POTENTIAL ACCOUNT TAKEOVER ACTIVITY IN A FINANCIAL SYSTEM
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机译:在金融系统中识别和处理潜在账户接管活动的方法和系统
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摘要
Account takeover is one of a number of types of Internet-centric crime (i.e., cybercrime) that includes the unauthorized access/use of a user's account with the user's identity or credentials (e.g., username and/or password). Because fraudsters acquire user credentials through phishing, spyware, or malware scams, it can be difficult to detect unauthorized access of a user's account. Methods and systems of the present disclosure identify and address potential account takeover activity, according to one embodiment. The methods and systems acquire system access data, apply the system access data to one or more predictive models to generate one or more risk scores, and perform one or more risk reduction actions based on the one or more risk scores, according to one embodiment. The financial system is a tax return preparation system according to one embodiment.
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