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Preventing authorized push payment fraud

How INETCO BullzAI® protects instant payment rails from authorized push payment (APP) fraud

Preventing authorized push payment fraud

What is authorized push payment fraud?

Authorized push payment (APP) fraud involves customers being manipulated into willingly transferring money to “safe” accounts controlled by fraudsters. These scams commonly involve impersonations, purchase or investment schemes, advance payment requests, romance scams and business email compromise phishing. Instant payments are a prime target for APP fraud because transactions settle in seconds and are irrevocable, making real-time detection and prevention essential as banks and payment service providers face increasing reimbursement liability.

Defend instant payments against APP fraud

INETCO BullzAI delivers proactive, real-time defense APP fraud, detecting and halting high-risk transactions before funds leave the account. AI-driven behavioral models continuously learn with every transaction, performing complex event correlation across signals such as new beneficiary creation, high-value or high-veclocity transfers, and payments to accounts with suspicious IP or geolocations – blocking fraudulent transactions instantly.

DETECT

Gain full traceability across the entire payments journey and analyze every payment message and metadata field of each in-flight transaction – instantly flagging suspicious time-of-day user patterns, login activity, authentication or daily transfer limit changes, device fingerprint and IP anomalies, geolocation mismatches as well as high-value or rapidly escalating payments initiated by first-time users

PREVENT

Adopt self-training machine learning models that analyze individual user and device behaviors in real time, pre-emptively correlating multi-event patterns that signal coercion activity – such as unusual login times, sudden changes in daily transfer limits and elevated inbound velocity or high-value transfers to a new beneficiary added within minutes of login

 

SHIELD

Rate limit or block suspicious receiving-side behavior, beneficiary changes and transactions with altered message fields to stop authorized push payment fraud before payments complete – combining transction audit trails with automated case management to support evidence-based dispute resolution, fraud investigation and compliance reporting

 

 

Moving from post-event investigation to pre-settlement intervention

Reduce APP fraud loss

Reduce financial losses driven by low recovery rates, rising reimbursement obligations, regulatory penalties, dispute resolution and investigation costs

Build regulatory defensibility

Meet shifting liability and compliance demands for instant payment rails, including enhanced real-time tracing, blocking and complex event correlation

Speed up dispute resolution

Accelerate reimbursement, investigations and compliance reporting with automated case management and transaction audit trails

Lower false positives

Block or rate limit specific transactions of interest to stop APP fraud before funds move – without affecting legitimate customers

Flag risky beneficiary changes and velocity spikes

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The moment the funds leave the liability begins.

Talk to INETCO’s payment fraud experts about defending against authorized push payment fraud today.

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