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Outsmarting fraudsters with
cognitive fraud detection


IBM Trusteer Pinpoint Detect helps protect online banking sites against account takeover, fraudulent transactions, and can detect end user devices infected with high risk malware. With this new release, and by leveraging behavioral biometrics capabilities, Pinpoint Detect can transparently build user profiles that can continuously authenticate online identities and more efficiently differentiate between legitimate customers and fraudsters.

Trusteer Pinpoint Detect incorporates cognitive behavioral biometrics capabilities, using patented analytics and machine learning for real-time cognitive fraud detection. The behavioral biometric capabilities use machine learning to help understand how users interact with banking websites, creating models based on patterns of mouse movements that become increasingly more accurate over time.

When users access their online banking site, IBM Trusteer Pinpoint Detect is designed to:

  • Enable a real-time risk assessment with an actionable recommendations
  • Employ behavioral biometrics capabilities to seamlessly build models based on patterns of mouse movements in real-time and analyze patterns against learned user behavior and known fraud patterns
  • Identify access using compromised credentials and provide actionable recommendations to help detect and mitigate fraudulent activities

To provide an additional protection layer, IBM Trusteer mobile solutions can integrate with Pinpoint Detect using an embedded software development kit. This component assesses risk information from the mobile device – such as malware infections, root and jailbroken information, accurate geolocation and Wi-Fi security status.

IBM Security Trusteer Pinpoint Detect is the foundation of the IBM Security Trusteer Fraud Protection Suite and represents a new approach to fraud protection, based on three key features.

Visibility

IBM Security Trusteer Pinpoint Detect’s engine can correlate a wide range of critical fraud indicators – including phishing attacks, malware infections, compromised credentials and advanced evasion methods. It does this using enhanced device, geolocation and transactional modeling to help more accurately detect fraudulent activities.

Global threat intelligence network

In fighting fraud, the breadth, depth and speed of intelligence gathering are critical. The IBM global threat intelligence network analyzes threat intelligence from 270 million end user endpoints and behavioral profiles – which are then used to create dynamic digital models. The network is continuously processing security intelligence.

Armed with this intelligence, IBM Security Trusteer Pinpoint Detect adapts defenses with automatic updates – without additional effort of the financial organization. It takes advantage of a multitude of session attributes data and fraud indicators to help more accurately identify fraud in immense data sets.

Agility by design

Time is a crucial element in cybersecurity prevention, and Trusteer Pinpoint Detect has an agile architecture that enables a highly flexible and fast response process. Using cloud-based technologies, IBM can help rapidly detect, analyze, build and deploy countermeasures for new and emerging threats. Financial institutions can also receive application-aware defenses specifically tailored to their needs and the threats they face. This capability can help further increase detection accuracy, and is designed to help reduce operational costs.

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