MUMBAI, India, Aug. 17 -- Intellectual Property India has published a patent application (202641090931 A) filed by Lathika M; and Rajavel M on July 27, 2026, for Ai-Based Fraud Detection System For Secure Offline Digital Transactions In Rural Areas.
Inventors include Lathika M; and Rajavel M.
The application for the patent was published on August 14, 2026, under issue no. 33/2026.
Abstract: ABSTRACT The present invention discloses an "AI-Based Fraud Detection System for Secure Offline Digital Transactions in Rural Areas," designed as an intelligent offline transaction security and fraud prevention framework. The system focuses on enabling secure digital payments in rural arid connectivity-constrained environments through intelligent fraud prediction, adaptive risk assessment, and secure offline transaction validation. Unlike conventional digital payment security systems that primarily depend on continuous Internet connectivity anrcentralized-fraud-verificationthe-Proposed=frameworLintegrates-artificial-intelligence,_ behavioral analytics, device authentication, contextual risk assessment, encrypted offline transaction processing, and explainable artificial intelligence within a unified financial security platform. The system utilizes offline transaction records, user behavioral patterns, device authentication information, merchant details, transaction history, and contextual security indicators to perform comprehensive fraud analysis and intelligent transaction validation. The framework incorporates an Intelligent Fraud Prediction Engine configured to identify suspicious transaction activities, duplicate payments, unauthorized device access, identity misuse, and anomalous transaction behavior through adaptive machine learning techniques. Additionally, the system integrates dynamic fraud risk scoring, secure offline transaction management, explainable fraud prediction, transaction synchronization mechanisms, and real-time security alert generation to enhance proactive fraud prevention and secure digital payment processing. By combining artificial intelligence, behavioral analytics, contextual transaction intelligence, and adaptive fraud detection mechanisms, the invention functions as a comprehensive offline transaction security system aimed at improving fraud detection accuracy, strengthening transaction integrity, promoting financial inclusion, minimizing financial losses, and supporting banks, financial institutions, merchants, and end users in ensuring secure and trustworthy offline digital transactions.
Disclaimer: Curated by HT Syndication.
