On-Line

Rake is connected directly to the e-banking application.

For each transaction, RAKE is sent a string containing all the transaction data and returns a weighting of between 0 (transaction OK) and 10 (transaction with a very high probability of being fraudulent).
The e-banking application can ask the customer an additional question to verify authenticity or send a confirmation text message.

The Online Mode requires the transaction weighting to be returned within a maximum of one second. This requirement makes it impossible to carry out clustering using all the available tools and therefore requires the use of EM clusters, which provide a geometric representation of the result, and Denclue clusters, which allow one to determine quickly whether each new event comes within a cluster.

Off-Line

The Offline Mode does not require short calculation times to be respected.
A complete analysis can therefore be carried out using the three methods previously described, returning more accurate "probability of fraudulent event" scores.
The result is a report created on regularly programmed intervals that allows the relevant departments to investigate any particularly suspicious events.