Abstract
In digital payment transactions, it is a common practice for customers to send a screenshot of a payment confirmation to a merchant or other payee. The screenshot includes details such as payee name, payment amount, transaction identifier, account information, etc. With widespread availability and ease of use of image manipulation tools, reliance on screenshots can introduce fraud-related risks, when a sender sends a manipulated screenshot that the payee takes to be authentic. This disclosure describes techniques to automatically verify the authenticity of payment screenshots. Image analysis techniques to detect fraud by scrutinizing screenshots for manipulations in key elements such as text, numbers, and/or dates. Details extracted from screenshots are compared with information available via a digital payment platform to detect fraud. The techniques can be seamlessly integrated into existing payment workflows via digital payment apps as well as into messaging applications. Use of the described techniques can enhance the security of digital transactions and mitigate financial risks related to fraudulent payment confirmation screenshots.
Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 License.
Recommended Citation
Seetharaman, Usha and Bulusu, Sharath, "Payment Screenshot Verification for Fraud Prevention", Technical Disclosure Commons, (October 25, 2024)
https://www.tdcommons.org/dpubs_series/7477