[DigitalToday reporter Ji-young Lee] Toss Bank said on Tuesday it has introduced the telecommunications authentication solution SurPASS to strengthen prevention of non-face-to-face financial fraud.

SurPASS is a solution provided by KCB in partnership with mobile carriers. It analyses various risk signals that arise during non-face-to-face transactions to help financial firms judge transaction risk more precisely.

Toss Bank classifies suspected fraud transactions, such as voice phishing, as priority items for review based on signals provided by the solution. It operates the system by conducting additional verification linked to its internal fraud detection system (FDS).

For example, if abnormal signs are detected in telecom line usage patterns, it re-evaluates transaction risk and increases the intensity of checks. It also introduces the mobile carriers' AI-based "voice phishing victim detection" technology to apply additional confirmation procedures when high-risk customers conduct financial transactions. Toss Bank plans to strengthen preventive functions in this way.

A Toss Bank official said, "We strengthened the prevention system by combining AI-based detection capabilities with external authentication information," adding, "We will continue to reinforce safety measures so customers can use financial services with peace of mind."