Security News > 2022 > May > Protecting payments in an era of deepfakes and advanced AI

Two stunning deepfakes that have been broadly covered include a deepfake of Tom Cruise, birthed into the world by Chris Ume and Miles Fisher, and deepfake young Luke Skywalker, created by Shamook and Graham Hamilton, in a recent episode of "The Book of Boba Fett.".

Without a similar bone structure and the subject's trademark movements and turns of phrase, even today's most advanced AI would be hard-pressed to make the deepfake perform credibly.

Automatically identifying fraud in these cases keys off of a large number of variables, including history of transactions, value of transactions, location and past chargebacks - and it doesn't look at the person's identity in a way that deepfakes might come into play.

The highest risk of fraud from deepfakes for payments processors rests in the operation of manual review, particularly in cases where the transaction value is high.

Since the average person doesn't keep photos of themselves with their eyes closed, selection bias in the source imagery used to train AI creating the deepfake might cause the fabricated subject to either not blink, not blink at a normal rate or to simply get the composite facial expression for the blink wrong.

The key to reducing fraud from deepfakes today is primarily won by limiting the circumstances under which manipulated media can play a role in the validation of a transaction.

News URL

https://www.techrepublic.com/article/protecting-payments-deepfake-ai/