LLM-Assisted Authentication and Fraud Detection
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arXiv
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| Auteurs principaux: | , |
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| Format: | Preprint |
| Publié: |
2026
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| _version_ | 1866917441633779712 |
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| author | Chan, Emunah S-S. Chan, Aldar C-F. |
| author_facet | Chan, Emunah S-S. Chan, Aldar C-F. |
| contents | User authentication and fraud detection face growing challenges as digital systems expand and adversaries adopt increasingly sophisticated tactics. Traditional knowledge-based authentication remains rigid, requiring exact word-for-word string matches that fail to accommodate natural human memory and linguistic variation. Meanwhile, fraud-detection pipelines struggle to keep pace with rapidly evolving scam behaviors, leading to high false-positive rates and frequent retraining cycles required. This work introduces two complementary LLM-enabled solutions, namely, an LLM-assisted authentication mechanism that evaluates semantic correctness rather than exact wording, supported by document segmentation and a hybrid scoring method combining LLM judgement with cosine-similarity metrics and a RAG-based fraud-detection pipeline that grounds LLM reasoning in curated evidence to reduce hallucinations and adapt to emerging scam patterns without model retraining. Experiments show that the authentication system accepts 99.5% of legitimate non-exact answers while maintaining a 0.1% false-acceptance rate, and that the RAG-enhanced fraud detection reduces false positives from 17.2% to 3.5%. Together, these findings demonstrate that LLMs can significantly improve both usability and robustness in security workflows, offering a more adaptive , explainable, and human-aligned approach to authentication and fraud detection. |
| format | Preprint |
| id |
arxiv_https___arxiv_org_abs_2601_19684 |
| institution | arXiv |
| publishDate | 2026 |
| record_format | arxiv |
| spellingShingle | LLM-Assisted Authentication and Fraud Detection Chan, Emunah S-S. Chan, Aldar C-F. Cryptography and Security User authentication and fraud detection face growing challenges as digital systems expand and adversaries adopt increasingly sophisticated tactics. Traditional knowledge-based authentication remains rigid, requiring exact word-for-word string matches that fail to accommodate natural human memory and linguistic variation. Meanwhile, fraud-detection pipelines struggle to keep pace with rapidly evolving scam behaviors, leading to high false-positive rates and frequent retraining cycles required. This work introduces two complementary LLM-enabled solutions, namely, an LLM-assisted authentication mechanism that evaluates semantic correctness rather than exact wording, supported by document segmentation and a hybrid scoring method combining LLM judgement with cosine-similarity metrics and a RAG-based fraud-detection pipeline that grounds LLM reasoning in curated evidence to reduce hallucinations and adapt to emerging scam patterns without model retraining. Experiments show that the authentication system accepts 99.5% of legitimate non-exact answers while maintaining a 0.1% false-acceptance rate, and that the RAG-enhanced fraud detection reduces false positives from 17.2% to 3.5%. Together, these findings demonstrate that LLMs can significantly improve both usability and robustness in security workflows, offering a more adaptive , explainable, and human-aligned approach to authentication and fraud detection. |
| title | LLM-Assisted Authentication and Fraud Detection |
| topic | Cryptography and Security |
| url | https://arxiv.org/abs/2601.19684 |