Rupt Team
2025/02/10
Detecting account takeover
Account takeover fraud has become one of the most prevalent and damaging cyber threats facing businesses today. In 2023 alone, account takeover attacks increased by over 45%, costing companies millions in fraud losses and damaged reputation. This comprehensive guide explains how to effectively detect account takeover attempts before they compromise your users' accounts and your bottom line.
What is account takeover?
Account takeover (ATO) occurs when an unauthorized person gains access to someone else's account by stealing or guessing their credentials. Unlike new fake accounts, account takeover involves compromising legitimate, established accounts that often have payment methods, personal information, and established privileges.
Common account takeover methods include:
- Credential stuffing (using stolen username/password combinations)
- Phishing attacks
- Brute force password attempts
- Social engineering
- Malware that captures login information
- Man-in-the-middle attacks
Key signals for detecting account takeover
The most effective account takeover detection systems rely on multiple signals to identify suspicious login attempts. Here are the critical signals to monitor:
1. Device intelligence
New or unfamiliar devices are one of the strongest indicators of a potential account takeover. By implementing device identification, you can:
- Create a profile of devices normally used by each account
- Flag logins from new devices for additional verification
- Identify suspicious device characteristics (emulators, automation tools)
- Track device reputation across your user base
Rupt's device identification technology uses hundreds of signals to create a unique fingerprint for each device, enabling reliable detection even when cookies are cleared or private browsing is used.
2. Location anomalies
Suspicious location patterns that may indicate account takeover include:
- Impossible travel: Logins from geographically distant locations within a short timeframe
- High-risk locations: Connections from regions known for high fraud rates
- IP address anomalies: Connections from data centers, VPNs, or Tor exit nodes
- First-time locations: Logins from locations never previously used by the account
3. Behavioral signals
Behavioral analysis can detect subtle patterns that indicate account takeover:
- Unusual navigation patterns through your application
- Changes in typing patterns or speed
- Unusual time of day for account access
- Different device settings (screen resolution, language, timezone)
- Changes in transaction behaviors
4. Login behavior changes
Monitoring how users interact with your login page can reveal suspicious activity:
- Multiple failed login attempts
- Password reset patterns
- Copy-paste of credentials (versus typing)
- Unusual login frequency
- Browser automation or headless browser use
Implementing effective account takeover detection
Based on our experience protecting millions of user accounts, here's a comprehensive approach to implementing account takeover detection:
1. Multi-layered authentication framework
Rather than relying on passwords alone, implement a system that evaluates multiple factors:
// Example of risk-based authentication logic
const evaluateLoginRisk = async (userId, loginAttempt) => {
const riskFactors = [
isFamiliarDevice(loginAttempt.deviceFingerprint),
isExpectedLocation(loginAttempt.ipAddress, userId),
hasNormalBehavioralPatterns(loginAttempt.behavioralData),
isLoginTimeExpected(loginAttempt.timestamp, userId)
];
const riskScore = riskFactors.filter(factor => !factor).length;
if (riskScore === 0) return "allow"; // Familiar device and location
if (riskScore === 1) return "monitor"; // Slightly suspicious
if (riskScore === 2) return "challenge"; // Moderately suspicious
return "block"; // Highly suspicious
};
2. Advanced browser fingerprinting
Browser fingerprinting creates a unique identifier based on browser configuration, which is extremely difficult for attackers to replicate:
- Canvas fingerprinting
- WebGL fingerprinting
- Audio fingerprinting
- Font detection
- Browser plugin details
- Hardware characteristics
Rupt collects 100+ signals to create a robust fingerprint that remains consistent even when cookies are cleared or private browsing is used.
3. Risk-based authentication challenges
Not all login attempts require the same level of scrutiny. Implement a risk-based approach:
- Low-risk logins: Allow access without additional verification
- Medium-risk logins: Require email verification code
- High-risk logins: Require strong two-factor authentication
- Very high-risk logins: Block and require manual account recovery
4. Continuous session monitoring
Account takeover detection shouldn't stop after the initial login. Continuous monitoring can detect account takeover during an active session:
- Changes in behavioral patterns during the session
- Unusual actions or transactions
- Suspicious navigation patterns
- Attempts to change account settings or credentials
Real-world account takeover detection example
Here's how a typical account takeover attempt might be detected using Rupt's technology:
- A user's credentials are compromised in a data breach
- An attacker attempts to log in using those credentials from a new location and device
- Rupt's system detects multiple risk signals:
- Unfamiliar device fingerprint
- Login from a new geographic location
- Unusual login time
- Suspicious browser environment
- Based on these signals, a challenge is triggered requiring additional verification
- The attacker cannot complete the verification, and the account remains secure
// Using Rupt's SDK to evaluate a login attempt
const { verdict, reasons, challenge_id } = await Rupt.evaluate({
action: "login",
user: "user@example.com",
fingerprint: fingerprints, // Device fingerprints from browser
ip: ipAddress,
});
// Handle the verdict
switch(verdict) {
case "allow":
// Proceed with login
break;
case "challenge":
// Require additional verification
redirectToChallenge(challenge_id);
break;
case "deny":
// Block the login attempt
blockLogin(reasons);
break;
}
How Rupt's account takeover protection works
Rupt's account takeover protection provides a comprehensive solution that integrates seamlessly with your existing authentication flow:
- Collect signals: Our JavaScript SDK collects device and behavioral data during login attempts
- Analyze risk: Our API evaluates the login attempt against the user's history and known patterns
- Make decisions: Get clear verdicts (allow, challenge, or deny) based on risk assessment
- Challenge suspicious logins: Implement adaptive challenges for suspicious attempts
- Continuously learn: Our system adapts to new attack patterns and evolving user behavior
Balancing security and user experience
One of the biggest challenges in account takeover detection is maintaining a positive user experience while ensuring strong security. Here's how to strike the right balance:
- Allow familiar scenarios: Users logging in from familiar devices and locations should experience minimal friction
- Progressive security: Increase security measures proportionally to the level of risk detected
- Clear communication: When additional verification is required, clearly explain why
- Remember devices: Give users the option to mark trusted devices
- Adaptive thresholds: Adjust security thresholds based on the sensitivity of the account or transaction
Case study: E-learning platform prevents revenue loss
A leading e-learning platform was experiencing significant revenue loss due to account takeover, with stolen credentials being sold on dark web forums. After implementing Rupt's account takeover protection:
- Account takeover attempts decreased by 96%
- Customer support cases related to hijacked accounts dropped by 89%
- Legitimate users experienced 35% fewer authentication challenges
- Revenue increased by 12% due to reduced fraud and improved user experience
Best practices for detecting account takeover
Based on our experience protecting millions of accounts across diverse industries, we recommend these best practices:
- Combine multiple signals: No single signal is foolproof—use device, location, behavior, and contextual signals
- Implement risk-based challenges: Match the verification method to the risk level
- Focus on anomaly detection: Look for deviations from established patterns rather than specific attack signatures
- Monitor post-login behavior: Continue monitoring for suspicious activity after authentication
- Update detection models: Regularly refine your detection models as attack techniques evolve
- Educate users: Help users understand security measures and recognize phishing attempts
- Implement secure password recovery: Ensure password recovery processes are secure against social engineering
The future of account takeover detection
Account takeover detection is evolving rapidly to counter increasingly sophisticated attacks:
- Behavioral biometrics: Analysis of typing patterns, mouse movements, and interaction patterns
- AI-powered analysis: Machine learning models that detect subtle patterns invisible to rule-based systems
- Passive authentication: Continuous verification without requiring explicit user action
- Cross-platform signals: Correlating signals across web and mobile apps for stronger user profiles
- Consortium data: Sharing anonymized fraud signals across multiple services (while preserving privacy)
Conclusion: A comprehensive approach to account takeover
Detecting account takeover requires a sophisticated, multi-layered approach that combines device intelligence, behavioral analysis, and contextual awareness. By implementing the techniques outlined in this guide, you can significantly reduce account takeover risk while maintaining a positive user experience.
Remember that account takeover detection isn't a one-time implementation but an ongoing process that must evolve with changing attack patterns and user behaviors.
Want to implement advanced account takeover protection for your product? Contact us to learn how Rupt can help you detect and prevent account takeover with minimal user friction.