{"id":"https://openalex.org/W6967536454","doi":"https://doi.org/10.48550/arxiv.2505.18861","title":"Securing Credit Inquiries: The Role of Real-Time User Approval in Preventing SSN Identity Theft","display_name":"Securing Credit Inquiries: The Role of Real-Time User Approval in Preventing SSN Identity Theft","publication_year":2025,"publication_date":"2025-05-24","ids":{"openalex":"https://openalex.org/W6967536454","doi":"https://doi.org/10.48550/arxiv.2505.18861"},"language":"en","primary_location":{"id":"doi:10.48550/arxiv.2505.18861","is_oa":true,"landing_page_url":"https://doi.org/10.48550/arxiv.2505.18861","pdf_url":null,"source":{"id":"https://openalex.org/S4306400194","display_name":"arXiv (Cornell University)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I205783295","host_organization_name":"Cornell University","host_organization_lineage":["https://openalex.org/I205783295"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article"},"type":"preprint","indexed_in":["datacite"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://doi.org/10.48550/arxiv.2505.18861","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":null,"display_name":"Thiyagarajan, Gogulakrishnan","orcid":null},"institutions":[],"countries":[],"is_corresponding":true,"raw_author_name":"Thiyagarajan, Gogulakrishnan","raw_affiliation_strings":[],"affiliations":[]},{"author_position":"middle","author":{"id":null,"display_name":"Bist, Vinay","orcid":null},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Bist, Vinay","raw_affiliation_strings":[],"affiliations":[]},{"author_position":"last","author":{"id":null,"display_name":"Nayak, Prabhudarshi","orcid":null},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Nayak, Prabhudarshi","raw_affiliation_strings":[],"affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":3,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":true,"primary_topic":{"id":"https://openalex.org/T12519","display_name":"Cybercrime and Law Enforcement Studies","score":0.10459999740123749,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},"topics":[{"id":"https://openalex.org/T12519","display_name":"Cybercrime and Law Enforcement Studies","score":0.10459999740123749,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T14036","display_name":"Literary and Philosophical Studies","score":0.03240000084042549,"subfield":{"id":"https://openalex.org/subfields/3320","display_name":"Political Science and International Relations"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11652","display_name":"Imbalanced Data Classification Techniques","score":0.029500000178813934,"subfield":{"id":"https://openalex.org/subfields/1702","display_name":"Artificial Intelligence"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/identity-theft","display_name":"Identity theft","score":0.784500002861023},{"id":"https://openalex.org/keywords/authorization","display_name":"Authorization","score":0.6110000014305115},{"id":"https://openalex.org/keywords/credit-card","display_name":"Credit card","score":0.5062999725341797},{"id":"https://openalex.org/keywords/point","display_name":"Point (geometry)","score":0.4316999912261963},{"id":"https://openalex.org/keywords/identity","display_name":"Identity (music)","score":0.39649999141693115},{"id":"https://openalex.org/keywords/credit-card-interest","display_name":"Credit card interest","score":0.38449999690055847},{"id":"https://openalex.org/keywords/credit-reference","display_name":"Credit reference","score":0.3723999857902527}],"concepts":[{"id":"https://openalex.org/C522325796","wikidata":"https://www.wikidata.org/wiki/Q471880","display_name":"Identity theft","level":2,"score":0.784500002861023},{"id":"https://openalex.org/C38652104","wikidata":"https://www.wikidata.org/wiki/Q3510521","display_name":"Computer security","level":1,"score":0.6342999935150146},{"id":"https://openalex.org/C108759981","wikidata":"https://www.wikidata.org/wiki/Q788590","display_name":"Authorization","level":2,"score":0.6110000014305115},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.588100016117096},{"id":"https://openalex.org/C2983355114","wikidata":"https://www.wikidata.org/wiki/Q161380","display_name":"Credit card","level":3,"score":0.5062999725341797},{"id":"https://openalex.org/C108827166","wikidata":"https://www.wikidata.org/wiki/Q175975","display_name":"Internet privacy","level":1,"score":0.48669999837875366},{"id":"https://openalex.org/C28719098","wikidata":"https://www.wikidata.org/wiki/Q44946","display_name":"Point (geometry)","level":2,"score":0.4316999912261963},{"id":"https://openalex.org/C2778355321","wikidata":"https://www.wikidata.org/wiki/Q17079427","display_name":"Identity (music)","level":2,"score":0.39649999141693115},{"id":"https://openalex.org/C174957148","wikidata":"https://www.wikidata.org/wiki/Q5183765","display_name":"Credit card interest","level":4,"score":0.38449999690055847},{"id":"https://openalex.org/C24308983","wikidata":"https://www.wikidata.org/wiki/Q5183781","display_name":"Credit reference","level":3,"score":0.3723999857902527},{"id":"https://openalex.org/C68842666","wikidata":"https://www.wikidata.org/wiki/Q1070699","display_name":"Credit history","level":2,"score":0.3646000027656555},{"id":"https://openalex.org/C148417208","wikidata":"https://www.wikidata.org/wiki/Q4825882","display_name":"Authentication (law)","level":2,"score":0.3562000095844269},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.34619998931884766},{"id":"https://openalex.org/C58033187","wikidata":"https://www.wikidata.org/wiki/Q386147","display_name":"Point of sale","level":2,"score":0.3386000096797943},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.33329999446868896},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.3010999858379364},{"id":"https://openalex.org/C31348098","wikidata":"https://www.wikidata.org/wiki/Q3423719","display_name":"Credit enhancement","level":4,"score":0.29739999771118164},{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.29490000009536743},{"id":"https://openalex.org/C83860907","wikidata":"https://www.wikidata.org/wiki/Q135005","display_name":"Phishing","level":3,"score":0.2815999984741211},{"id":"https://openalex.org/C164516710","wikidata":"https://www.wikidata.org/wiki/Q1166072","display_name":"Financial transaction","level":3,"score":0.2572000026702881}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.48550/arxiv.2505.18861","is_oa":true,"landing_page_url":"https://doi.org/10.48550/arxiv.2505.18861","pdf_url":null,"source":{"id":"https://openalex.org/S4306400194","display_name":"arXiv (Cornell University)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I205783295","host_organization_name":"Cornell University","host_organization_lineage":["https://openalex.org/I205783295"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":null,"is_accepted":false,"is_published":null,"raw_source_name":null,"raw_type":"article"}],"best_oa_location":{"id":"doi:10.48550/arxiv.2505.18861","is_oa":true,"landing_page_url":"https://doi.org/10.48550/arxiv.2505.18861","pdf_url":null,"source":{"id":"https://openalex.org/S4306400194","display_name":"arXiv (Cornell University)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I205783295","host_organization_name":"Cornell University","host_organization_lineage":["https://openalex.org/I205783295"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article"},"sustainable_development_goals":[{"score":0.6154891848564148,"display_name":"Peace, Justice and strong institutions","id":"https://metadata.un.org/sdg/16"}],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":[],"abstract_inverted_index":{"Unauthorized":[0],"credit":[1,24,59,80,154,162],"inquiries":[2],"are":[3],"also":[4],"a":[5,43,79,117],"central":[6],"entry":[7],"point":[8],"for":[9],"identity":[10,150],"theft,":[11,151],"with":[12,99],"Social":[13],"Security":[14],"Numbers":[15],"(SSNs)":[16],"being":[17],"widely":[18],"utilized":[19],"in":[20,136,160],"fraudulent":[21],"cases.":[22],"Traditional":[23],"inquiry":[25],"systems":[26],"do":[27],"not":[28],"usually":[29],"possess":[30],"strict":[31],"user":[32,45,54,74,119,134],"authentication,":[33],"making":[34],"them":[35],"vulnerable":[36],"to":[37,48],"unauthorized":[38,153],"access.":[39],"This":[40,69,121],"paper":[41],"proposes":[42],"real-time":[44,64,133],"authorization":[46,135],"system":[47,62,97],"enhance":[49],"security":[50],"by":[51,89],"enforcing":[52],"explicit":[53],"approval":[55,67],"before":[56],"processing":[57],"any":[58],"inquiry.":[60],"The":[61],"employs":[63],"verification":[65,163],"and":[66,108,129,156],"techniques.":[68],"ensures":[70],"that":[71],"the":[72,85,102,109,124,147,161],"authorized":[73],"only":[75],"approves":[76],"or":[77],"rejects":[78],"check":[81],"request.":[82],"It":[83],"minimizes":[84],"risks":[86],"of":[87,131,149],"interference":[88],"third":[90],"parties.":[91],"Apart":[92],"from":[93],"enhancing":[94],"security,":[95],"this":[96,140],"complies":[98],"regulations":[100],"like":[101],"General":[103],"Data":[104],"Protection":[105],"Regulation":[106],"(GDPR)":[107],"Fair":[110],"Credit":[111],"Reporting":[112],"Act":[113],"(FCRA)":[114],"while":[115],"maintaining":[116],"seamless":[118],"experience.":[120],"article":[122],"discusses":[123],"technical":[125],"issues,":[126,128],"scaling-up":[127],"ways":[130],"implementing":[132],"financial":[137,142],"systems.":[138],"Through":[139],"framework,":[141],"institutions":[143],"can":[144],"drastically":[145],"minimize":[146],"risk":[148],"avert":[152],"checks,":[155],"increase":[157],"customer":[158],"trust":[159],"system.":[164]},"counts_by_year":[],"updated_date":"2025-11-06T06:51:31.235846","created_date":"2025-10-10T00:00:00"}
