Digital wallets are becoming increasingly popular for everyday transactions. However, the ease of use and flexibility they offer also make them a prime target for fraud. Traditional fraud detection often struggles to differentiate legitimate user behavior from fraudulent activity — especially when using new devices or network connections.

The Challenge:

• Behavioral data across multiple devices and sessions can be noisy and fragmented

• Traditional models often miss nuanced, evolving user behavior patterns

• Fraudsters can replicate legitimate behaviors, making detection harder

• High rate of false alerts disrupts user experience and wastes resources

Quantum-Inspired Solution

Quantum-Inspired Optimization allows for the creation of behavioral fingerprints — unique patterns of how users interact with their digital wallets — and ensures transactions are securely verified based on these patterns.

Behavioral Fingerprinting

HessQ creates a unique fingerprint for each user based on their individual behavioral patterns: time spent, device used, transaction frequency, and other subtle characteristics

By optimizing these behaviors with QUBO, HessQ can efficiently detect any deviation from the user’s established pattern, flagging suspicious transactions or potential fraud

Continuous monitoring of transactions allows real-time risk scoring and authentication without relying on slow manual intervention or outdated systems

Anomaly Detection with QUBO

Real-Time Authentication & Risk Assessment

The Results:

• 50% reduction in false positives, improving user experience

• 95%+ fraud detection rate — even for new, subtle fraud patterns

• Faster transaction processing due to real-time scoring

• Increased trust in digital wallets with stronger security measures