Carrier billing is one of the most preferred mediums of transactions for users looking for convenience in their online subscriptions. The Mobile Network Operator (MNO) directly adds the bill for subscription services to the monthly mobile bill.
According to a source, mobile internet users would exceed 1.4 billion by 2025 with an expected growth of five times the current number of mobile data users. The DCB subscriptions would become three-fold the existing number of users by the end of this year.
Unfortunately, fraudsters have found ways to make fraudulent subscriptions on the behalf of users. In case of DCB fraud, the cybercriminal makes commissions from advertisers by secretly subscribing to the services on behalf of the users. Clickjacking and masking iframes are the two major type of frauds that directly impact merchants, telcos, and customers.
Clickjacking involves deliberately making users click a visible webpage with an invisible element in an iframe (hidden in the background). The user unknowingly subscribes to a service by clicking on the consent lodged in the background.
Unfortunately, fraudsters constantly detect similar vulnerabilities of the carrier billing systems of the telcos and overpower consumers’ security. Combating fraud through iframe masking and clickjacking requires a solution to identify every step of the DCB VAS architecture. It would require to integrate appropriate measures to ensure that the Value Added Service (VAS) subscription, don’t happen without informing the user.
Carrier Billing Solution to Combat iframe Masking and Clickjacking Fraud
mFilterIt’s anti-fraud solution for DCB provider’s incorporates deterministic, heuristic, and probabilistic layers, which helps to combat iframe, clickjacking, and other frauds. The deterministic flow also involves detecting network fraud, source fraud, invalid user agent, etc. The solution also includes identification of behavior parameters like user agent spoofing, HTML API bypass, bots, etc.
The solution keeps an eye on suspicious activities and safeguards users against unsolicited subscription frauds. Normally, users engaged in apps offering subscription services and payment methods, including DCB, include static pages, which become easy for hackers to bypass through a device-installed bot or malware. So the method against fraudulent DCB payments made by undetectable methods gets revoked by offering simple adaptive enforcements that don’t damage the customer experience.
Moreover, our filters include methods to determine the type of risk faced by the user. It also offers multiple mechanisms for preventing unconsented subscription transactions through DCB. It also resolves OTP, USSD, and Captcha bypassing issues through a three-level approach to combat subscription fraud. Furthermore, our solution is customizable and complies with the government guidelines. It helps operators to revoke regulatory repercussions on the network through DCB transactions.
Preventing unwanted charges in carrier bills is the telco’s responsibility and could impact the relationship between the MNO and its customer. So, telco brands need to take active measures to prevent fraudulent subscriptions.
Conclusion
One of the best methods to combat iframe masking and clickjacking fraud is mFilterIt’s anti-fraud solution for Direct Carrier Billing. The solution safeguards the user’s engagement with the telcos and keeps the faith between MNOs & consumers intact.
The solution is being used by telcos globally for safeguarding the interest of their merchants & customers. So that it fosters long-term relationships with their customers. The solution curtails fraudulent attempts through sophisticated methods.
Schedule a demo to learn the impact and advantages of implementing an anti-fraud solution for DCB.
