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Register a new userDoing good by fighting fraud: Ethical anti-fraud systems for mobile payments
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Added by
Zainul Abi Din
Publication date
2021
fields
Informatics Engineering
and research's language is
English
Authors
Zainul Abi Din
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App builders commonly use security challenges, a form of step-up authentication, to add security to their apps. However, the ethical implications of this type of architecture has not been studied previously. In this paper, we present a large-scale measurement study of running an existing anti-fraud security challenge, Boxer, in real apps running on mobile devices. We find that although Boxer does work well overall, it is unable to scan effectively on devices that run its machine learning models at less than one frame per second (FPS), blocking users who use inexpensive devices. With the insights from our study, we design Daredevil, anew anti-fraud system for scanning payment cards that work swell across the broad range of performance characteristics and hardware configurations found on modern mobile devices. Daredevil reduces the number of devices that run at less than one FPS by an order of magnitude compared to Boxer, providing a more equitable system for fighting fraud. In total, we collect data from 5,085,444 real devices spread across 496 real apps running production software and interacting with real users.
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The application of machine learning to support the processing of large datasets holds promise in many industries, including financial services. However, practical issues for the full adoption of machine learning remain with the focus being on understanding and being able to explain the decisions and predictions made by complex models. In this paper, we explore explainability methods in the domain of real-time fraud detection by investigating the selection of appropriate background datasets and runtime trade-offs on both supervised and unsupervised models.
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