EPO Grants ThreatFabric Patent for Behavioural Banking Fraud Detection
Summary
ThreatFabric says the EPO granted it a patent for technology that analyzes user behavior during web and mobile banking sessions to detect suspicious activity, including authorized payment scams, while avoiding stored biometric identifiers.
Key points
- The EPO granted ThreatFabric a patent in January 2026 for behavioural fraud detection technology.
- The system analyzes navigation, interaction patterns, and other signals during digital banking sessions using AI models.
- It aggregates behavioural data into lightweight “sub-sessions” for continuous analysis across a session.
- The technology is intended to detect APP fraud and scams, including impersonation, romance, and investment scams.
- ThreatFabric says the approach focuses on behavioural patterns rather than stored biometric identifiers.
- The technology is part of ThreatFabric’s fraud and scam prevention SDK and was developed in collaboration with European banks.
Article Details
- Event Type
- European patent grant for behavioural fraud detection technology
- Impact
- ThreatFabric's patented technology analyzes user behavior during web and mobile banking sessions to detect suspicious or potentially fraudulent activity in real time, including APP fraud and scams. It is designed to reduce customer friction and avoid storing biometric identifiers; the source says it was developed with European banks.