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USE CASE

Protecting customers from account takeovers

How INETCO BullzAI® blocks account takeovers and credential stuffing attacks before the money is gone

Protecting customers from account takeovers

What is an account takeover?

An account takeover (ATO) occurs when fraudsters gain unauthorized access to a customer’s account – often through stolen credentials from phishing and smishing scams, malware, data breaches, keyloggers or the dark web. Once inside, they can make unauthorized transactions, change account details, instantly transfer funds or lock out the rightful owner. Modern ATO attacks on instant payment systems often use automated bots, credential-stuffing tools, SIM swapping and social engineering to bypass weak security measures, making detection difficult before the money’s gone.

Block account takeover attacks in milliseconds

INETCO BullzAI decodes every detail of every in-flight transaction in real-time, combining end-to-end monitoring, user and entity behavioral analysis and a patented transaction firewall to detect and block account takeover attacks and AI-driven credential stuffing fraud – alerting you to suspicious activity and blocking bad actors before they can use stolen credentials, make unauthorized purchases or initiate instant payment transfers.

DETECT

Monitor the full transaction journey in real-time, instantly flagging suspicious repeat login failures and session behavior – including unusual device activity, abnormal payment velocity, rapid withdrawals, large deposits to flagged accounts and sudden IP or geolocation changes – that signal compromised accounts or AI-driven credential stuffing attempts

PREVENT

Engage adaptive machine learning to update risk scores after every transaction, using geo-velocity checks, IP reputation scoring and session fingerprinting as predictive intelligence and explainable AI to analyze the unique behavior of each customer, card, device and terminal on the payment network

SHIELD

Assign real-time risk advice for every transaction and precisely block high-risk login sessions or transactions tied to machine fingerprint changes – such as OS make/model, ISP, SIM card swaps, or true IP tampering — without disrupting legitimate customers

Real-time fraud detection and prevention for real-time payments

Stay compliant

Continuously monitor the transaction behaviors of users, cards and devices to meet regulatory, audit and dispute requirements

Protect customer identities

Stop fraudsters from changing account credentials, stealing personal information or reselling data through fraud-as-a-service channels

Prevent costly fraud losses

Proactively block account takeover transactions, bot-driven login or credit stuffing floods before they impact your reputation and bottom line

Maintain operational continuity

Automate case management and update risk scores after every transaction to reduce false positives and block fraud transactions with precision

Fortify your ATO defenses with continuous transaction monitoring

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Related resources

Unraveling the tactics and impacts of account takeover fraud
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Unraveling the tactics and impacts of account takeover fraud

In the vast ecosystem of digital transactions, a sinister force threatens the security and integrity of businesses and consumers: account takeover fraud (ATO)

Decoding synthetic identity fraud in the evolving AI landscape
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Decoding synthetic identity fraud in the evolving AI landscape

Ugan Naidoo, CTO at INETCO, talks about what synthetic identities are, how they are evolving in the age of AI, and how organizations can work to protect themselves from synthetic identity payment fraud

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