1、 I n t e r n a t i o n a l T e l e c o m m u n i c a t i o n U n i o n ITU-T X.1157 TELECOMMUNICATION STANDARDIZATION SECTOR OF ITU (09/2015) SERIES X: DATA NETWORKS, OPEN SYSTEM COMMUNICATIONS AND SECURITY Secure applications and services Security protocols Technical capabilities of fraud detection
2、 and response for services with high assurance level requirements Recommendation ITU-T X.1157 ITU-T X-SERIES RECOMMENDATIONS DATA NETWORKS, OPEN SYSTEM COMMUNICATIONS AND SECURITY PUBLIC DATA NETWORKS X.1X.199 OPEN SYSTEMS INTERCONNECTION X.200X.299 INTERWORKING BETWEEN NETWORKS X.300X.399 MESSAGE H
3、ANDLING SYSTEMS X.400X.499 DIRECTORY X.500X.599 OSI NETWORKING AND SYSTEM ASPECTS X.600X.699 OSI MANAGEMENT X.700X.799 SECURITY X.800X.849 OSI APPLICATIONS X.850X.899 OPEN DISTRIBUTED PROCESSING X.900X.999 INFORMATION AND NETWORK SECURITY General security aspects X.1000X.1029 Network security X.1030
4、X.1049 Security management X.1050X.1069 Telebiometrics X.1080X.1099 SECURE APPLICATIONS AND SERVICES Multicast security X.1100X.1109 Home network security X.1110X.1119 Mobile security X.1120X.1139 Web security X.1140X.1149 Security protocols X.1150X.1159 Peer-to-peer security X.1160X.1169 Networked
5、ID security X.1170X.1179 IPTV security X.1180X.1199 CYBERSPACE SECURITY Cybersecurity X.1200X.1229 Countering spam X.1230X.1249 Identity management X.1250X.1279 SECURE APPLICATIONS AND SERVICES Emergency communications X.1300X.1309 Ubiquitous sensor network security X.1310X.1339 PKI related Recommen
6、dations X.1340X.1349 CYBERSECURITY INFORMATION EXCHANGE Overview of cybersecurity X.1500X.1519 Vulnerability/state exchange X.1520X.1539 Event/incident/heuristics exchange X.1540X.1549 Exchange of policies X.1550X.1559 Heuristics and information request X.1560X.1569 Identification and discovery X.15
7、70X.1579 Assured exchange X.1580X.1589 CLOUD COMPUTING SECURITY Overview of cloud computing security X.1600X.1601 Cloud computing security design X.1602X.1639 Cloud computing security best practices and guidelines X.1640X.1659 Cloud computing security implementation X.1660X.1679 Other cloud computin
8、g security X.1680X.1699 For further details, please refer to the list of ITU-T Recommendations. Rec. ITU-T X.1157 (09/2015) i Recommendation ITU-T X.1157 Technical capabilities of fraud detection and response for services with high assurance level requirements Summary Recommendation ITU-T X.1157 pro
9、vides capabilities required to support fraud detection and response in security sensitive information and communication technology (ICT) application services. Fraud detection and response services support the detection, analytics, and management of fraud across users, accounts, products, processes a
10、nd channels. It monitors and analyses user activity and behaviour at the application level (rather than at the system, database, or network level) and watches what transpires inside and across accounts, using any channel available to a user. It also analyses behaviour among related users, accounts,
11、or other entities, looking for abnormal activity, corruption or misuse. It is most commonly used in verticals managing customer money, such as e-finance, enterprise remote access, etc., but is equally commonly used to detect internal fraud and other types of unauthorized activities. History Edition
12、Recommendation Approval Study Group Unique ID* 1.0 ITU-T X.1157 2015-09-17 17 11.1002/1000/12353 Keywords Fraud detection system, fraud management. _ * To access the Recommendation, type the URL http:/handle.itu.int/ in the address field of your web browser, followed by the Recommendations unique ID
13、. For example, http:/handle.itu.int/11.1002/1000/11830-en. ii Rec. ITU-T X.1157 (09/2015) FOREWORD The International Telecommunication Union (ITU) is the United Nations specialized agency in the field of telecommunications, information and communication technologies (ICTs). The ITU Telecommunication
14、 Standardization Sector (ITU-T) is a permanent organ of ITU. ITU-T is responsible for studying technical, operating and tariff questions and issuing Recommendations on them with a view to standardizing telecommunications on a worldwide basis. The World Telecommunication Standardization Assembly (WTS
15、A), which meets every four years, establishes the topics for study by the ITU-T study groups which, in turn, produce Recommendations on these topics. The approval of ITU-T Recommendations is covered by the procedure laid down in WTSA Resolution 1. In some areas of information technology which fall w
16、ithin ITU-Ts purview, the necessary standards are prepared on a collaborative basis with ISO and IEC. NOTE In this Recommendation, the expression “Administration“ is used for conciseness to indicate both a telecommunication administration and a recognized operating agency. Compliance with this Recom
17、mendation is voluntary. However, the Recommendation may contain certain mandatory provisions (to ensure, e.g., interoperability or applicability) and compliance with the Recommendation is achieved when all of these mandatory provisions are met. The words “shall“ or some other obligatory language suc
18、h as “must“ and the negative equivalents are used to express requirements. The use of such words does not suggest that compliance with the Recommendation is required of any party. INTELLECTUAL PROPERTY RIGHTSITU draws attention to the possibility that the practice or implementation of this Recommend
19、ation may involve the use of a claimed Intellectual Property Right. ITU takes no position concerning the evidence, validity or applicability of claimed Intellectual Property Rights, whether asserted by ITU members or others outside of the Recommendation development process. As of the date of approva
20、l of this Recommendation, ITU had not received notice of intellectual property, protected by patents, which may be required to implement this Recommendation. However, implementers are cautioned that this may not represent the latest information and are therefore strongly urged to consult the TSB pat
21、ent database at http:/www.itu.int/ITU-T/ipr/. ITU 2016 All rights reserved. No part of this publication may be reproduced, by any means whatsoever, without the prior written permission of ITU. Rec. ITU-T X.1157 (09/2015) iii Table of Contents Page 1 Scope . 1 2 References . 1 3 Definitions 1 3.1 Ter
22、ms defined elsewhere 1 3.2 Terms defined in this Recommendation . 2 4 Abbreviations and acronyms 2 5 Conventions 3 6 General aspects of fraud detection and response 3 6.1 Problem statements . 3 6.2 Role of fraud management . 4 6.3 Major capabilities for fraud management . 4 7 Architecture of fraud d
23、etection and response system . 5 7.1 Operation and component . 5 7.2 Architecture considerations 6 8 Technical capabilities of fraud detection and response 7 8.1 Monitoring capabilities . 7 8.2 Detection capabilities . 10 8.3 Response capabilities 15 Appendix I Sensitive ICT application services . 1
24、8 I.1 E-finance services . 18 I.2 E-healthcare services 19 I.3 Enterprise remote access services 19 Bibliography. 22 Rec. ITU-T X.1157 (09/2015) 1 Recommendation ITU-T X.1157 Technical capabilities of fraud detection and response for services with high assurance level requirements 1 Scope This Recom
25、mendation provides guidelines on technical capabilities for fraud management in services with high assurance level requirements. The objective of this Recommendation is to provide a system capable of detecting fraud activities. This Recommendation is applicable to many commercial and enterprise sect
26、ors using security sensitive information and communication technology (ICT) applications through the deployment of a fraud detection and response system. This Recommendation is also applicable to the management of internal fraud in an organization as well as external fraud by remote access or commer
27、cial service. This Recommendation covers the following areas: capabilities for fraud detection and response service; operations and components for fraud detection and response system; and considerations for incident defence and response service. 2 References None. 3 Definitions 3.1 Terms defined els
28、ewhere This Recommendation uses the following terms defined elsewhere: 3.1.1 assurance level b-ITU-T X.1252: A level of confidence in the binding between an entity and the presented identity information. 3.1.2 (entity) authentication b-ITU-T X.1252: A process used to achieve sufficient confidence in
29、 the binding between the entity and the presented identity. NOTE Use of the term authentication in an identity management (IdM) context is taken to mean entity authentication. 3.1.3 authentication assurance b-ITU-T X.1252: The degree of confidence reached in the authentication process that the commu
30、nication partner is the entity that it claims to be or is expected to be. NOTE The confidence is based on the degree of confidence in the binding between the communicating entity and the identity that is presented. 3.1.4 end user b-ITU-T X.1141: A natural person who makes use of resources for applic
31、ation purposes. 3.1.5 identity b-ITU-T X.1252: A representation of an entity in the form of one or more attributes that allow the entity or entities to be sufficiently distinguished within context. For identity management (IdM) purposes, the term identity is understood as contextual identity (subset
32、 of attributes) i.e., the variety of attributes is limited by a framework with defined boundary conditions (the context) in which the entity exists and interacts. NOTE Each entity is represented by one holistic identity that comprises all possible information elements characterizing such entity (the
33、 attributes). However, this holistic identity is a theoretical issue and eludes any description and practical usage because the number of all possible attributes is indefinite. 2 Rec. ITU-T X.1157 (09/2015) 3.1.6 identity assurance b-ITU-T X.1252: The degree of confidence in the process of identity
34、validation and verification used to establish the identity of the entity to which the credential was issued, and the degree of confidence that the entity that uses the credential is that entity or the entity to which the credential was issued or assigned. 3.1.7 identity proofing b-ITU-T X.1252: A pr
35、ocess which validates and verifies sufficient information to confirm the claimed identity of the entity. 3.1.8 identity verification b-ITU-T X.1252: The process of confirming that a claimed identity is correct by comparing the offered claims of identity with previously proven information. 3.1.9 serv
36、ice provider b-ITU-T X.1141: A role donned by a system entity where the system entity provides services to principals or other system entities. 3.2 Terms defined in this Recommendation This Recommendation uses the following terms: 3.2.1 fraud detection system: Software as an application that support
37、s monitoring, detection, and management of fraud or other misuse across users (e.g., customers), accounts, channels, products and other entities (e.g., kiosks). NOTE To deploy the fraud detection system, enterprise applications could integrate with a fraud detection engine that assesses the fraud ri
38、sk of a transaction, from user navigation and application access, to any type of activity, such as a change of address, payment or retrieval of sensitive information. 3.2.2 fraud management: A whole range of activities, which include early warning systems, signs and patterns of different types of fr
39、aud, profiles of users and their activities, incident response etc., to mitigate security risk using a fraud detection system. NOTE There are a number of issues that make the development of fraud management systems necessary including: the huge volume of data involved; the requirement for fast and a
40、ccurate fraud detection without inconveniencing business operations; the ongoing development of new fraud to evade existing techniques; and the risk of false alarms. 3.2.3 security sensitive information and communication technology (ICT) application: Application that requires very high security assu
41、rance level for protecting an information asset of individuals, secret information, organization, and/or enterprise. NOTE When security sensitive ICT applications are compromised and controlled by the attacker, the exposure of sensitive information, i.e., personal or financial information, causes ma
42、ssive harmful effects to users, organizations, telecommunication infrastructure, and services, which may include applications for e-finance, e-healthcare, and enterprise remote access. 4 Abbreviations and acronyms This Recommendation uses the following abbreviations and acronyms: API Application Pro
43、gramming Interface ATM Automated Teller Machine DLP Data Loss Prevention DNS Domain Name System DSL Digital Subscriber Line GSM Global System for Mobile Communications HTTP HyperText Transfer Protocol ICT Information and Communication Technology ID Identity Rec. ITU-T X.1157 (09/2015) 3 IP Internet
44、Protocol IPS Intrusion Prevention System ISP Internet Service Provider IT Information Technology MITM Man-in-the-Middle NAC Network Access Control OS Operating System PC Personal Computer PIN Personal Identity Number SMS Short Message Service SP Service Provider SQL Structured Query Language SSL Sec
45、ure Socket Layer TAN Transaction Authentication Number WiMAX Worldwide Interoperability for Microwave Access 5 Conventions The words “is required to“ indicate a requirement which must be strictly followed and from which no deviation is permitted if conformance to this Recommendation is to be claimed
46、. The words “is recommended“ indicate a requirement which is recommended but is not absolutely required. Thus, this requirement need not be present to claim conformance. The words “is prohibited from“ indicate a requirement which must be strictly followed and from which no deviation is permitted if
47、conformance to this Recommendation is to be claimed. The words “can optionally“ indicate an optional requirement which is permissible without implying any sense of being recommended. This term is not intended to imply that the vendors implementation must provide the option and the feature can be opt
48、ionally enabled by the network operator/service provider (SP). Rather, it means the vendor may optionally provide the feature and still claim conformance with this Recommendation. 6 General aspects of fraud detection and response 6.1 Problem statements In telecommunication-based application services
49、, malware-based attacks have been responsible for targeted attacks in many types of companies and vertical industries (e.g., e-transportation, e-hospital, and other types of e-industries). These attacks are becoming a major concern and are increasingly delivered through targeted spear-phishing e-mails and through malware-infected objects like advertisements that inexperienced users click on. These methods have been used to infect multiple organizations. Organizations in many c
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