Mastercard International Incorporated

Raviraj Bhatt

Jaipal Singh Kumawat

Hemant Arora

Ajay Panwar

Amit Somani

Padma Jadav

Paras Rashmikant Vanjara

Sourabh Rajput

The invention provides systems, methods and computer program products for securing electronic transactions and users of electronic transaction services from phishing attacks by malicious attackers and fraudsters. A terminal device receives a first data communication comprising an OTP associated with a requested electronic transaction, and identifies a validity period associated with the OTP. The terminal device responds to detection of a second data communication between the terminal device and a remote entity during the identified validity period, by extracting content from the second data communication. The extracted content is analyzed and a risk decision is generated based on output of the analysis of the extracted content. The risk decision determines whether the remote entity comprises, or is controlled by, a malicious attacker. Responsive to the risk decision determining that the remote entity comprises, or is controlled by, a malicious attacker, the terminal device may initiate a risk mitigation process.

Systems, methods and computer program products for securing electronic transactions

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Vadodara, India

Raviraj Bhatt