Organizations: University of Notre Dame · Arizona State University
Abstract
Conversational scams, such as romance and investment scams, are emerging as a major form of online fraud. Unlike one-shot scam lures such as fake lottery or unpaid toll messages, they unfold through multi-turn conversations in which scammers gradually manipulate victims using evolving psychological techniques. However, existing research mainly focuses on static scam detection or synthetic scams, leaving open whether language models can understand how real-world scams progress over time. We introduce PreScam, a benchmark for modeling scam progression from early conversations. Built from user-submitted scam reports, PreScam filters and structures 177,989 raw reports into 11,573 conversational scam instances spanning 20 scam categories. Each instance is hierarchically structured according to the scam lifecycle defined by the proposed scam kill chain, and further annotated at the turn level with scammer psychological actions and victim responses. We benchmark models on two tasks: real-time termination prediction, which estimates whether a conversation is approaching the termination stage, and scammer action prediction, which forecasts the scammer's subsequent actions. Results show a clear gap between surface-level fluency and progression modeling: supervised encoders substantially outperform zero-shot LLMs on real-time termination prediction, while next-action prediction remains only moderately successful even for strong LLMs. Taken together, these results show that current models can capture some scam-related cues, yet still struggle to track how risk escalates and how manipulation unfolds across turns.
Following the rapid progress of generative Artificial Intelligence, there is a growing threat posed by conversational scams. These scams often span over multiple weeks or months, gradually build trust and request for money or sensitive information. Existing scam-detection systems mainly focus on isolated messages, which renders them inadequate against this evolving threat. This paper extends single-message phishing detection and presents an explainable agentic system for detecting sophisticated conversational scams. It also introduces ConScamBench-278, an initial public multi-category benchmark for conversational scam detection spanning eight scam types, released to support reproducible evaluation and future expansion. On isolated messages the single-message detector attains 100% phishing recall, while the conversation-level detector identifies all conversational scams in the public LoveFraud02 corpus (83/83) and reaches 97.8% accuracy (95% CI [95.4, 99.0]) on ConScamBench-278. Two user studies (N = 100 and N = 45) further motivate the system: participants report frequently experiencing uncertainty when judging suspicious conversations. In an uncontrolled pre/post comparison, users self-reported trust, self-confidence, and perceived need for AI-based scam detection all increased (p < 0.001, Wilcoxon signed-rank). The system also receives a System Usability Scale score of 74.7 (95% CI [72.5, 76.9]), above the established usability benchmark.
Ahmed Omar Salim Adnan, Yogananda Manjunath, Shivanjali Khare
As LLM-powered scams proliferate, black-box forensics for conversational LLM agents offers a path to accountability for systems hidden behind anonymous endpoints. Identifying the base model behind a chatbot endpoint (attribution), without model parameter access or knowledge of the hidden system prompt, would let investigators trace AI-enabled scams back to the providers whose models power them. Detecting when two endpoints run the exact same system prompt (fingerprinting), even one novel and unseen, would link individual scams into criminal networks and expose silent API changes. We conduct an empirical investigation of both capabilities. Our attribution classifiers identify the base model behind an agent with 98% accuracy from a few turns of non-adversarial conversation. Attribution of system prompts, while possible, requires retraining on a large amount of data for each prompt; system prompts in the wild are unbounded and ever-changing, making this approach costly. To tackle this more open-ended setting, our cross-encoder fingerprinting method achieves an AUC of 0.768 and an F1 of 0.703 on entirely unseen system prompts, and aggregating 50 interaction conversations from each target agent boosts AUC to 0.943. Conversational agents with unseen system prompts can thus be fingerprinted with robust accuracy from a few turns of ordinary conversation.
Isadora White, Yasaman Jafari, Taylor Berg-Kirkpatrick
Smartphone scams are increasingly prevalent and typically manifest as multi-stage, cross-application processes with gradually emerging intent. Effective intervention thus requires anticipating scams before the intent becomes explicit. This is inherently challenging, as decisions must rely on partial trajectories with temporally distributed evidence. In this paper, we propose \textbf{ORACLE} Online Reasoning for Anticipating Cross-temporal Latent thrEats, the first agentic framework for early scam anticipation from \textit{streaming app-usage} trajectories. To support this setting, we curate a real-world long-horizon benchmark of streaming app-usage trajectories, covering 12 scam types, spanning extended periods (15 days on average), involving diverse applications (95 apps), and interleaving normal and scam behaviors. To address fragmented evidence, we introduce a self-evolving context manager that adaptively consolidates entity-centric interactions over time, enabling more effective reconstruction of cross-temporal evidence from partial observations. To enhance sensitivity to latent early-stage signals, we propose an on-policy self-distillation scheme in which a teacher model, conditioned on summarized anti-scam reflections and clues by skills, supervises a student model without access to such reflections. This scheme thereby distills evidence-informed knowledge and improves recognition of emerging fraud patterns from partial trajectories. Experiments show that \method{} consistently improves early scam anticipation, yielding timely warnings while reducing false alerts in realistic streaming scenarios.