NoFraud is a fully managed, multi-tiered system of fraud prevention technologies seamlessly combined.
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Device fingerprinting
NoFraud uses device fingerprinting to gain baseline information about the customer
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IP Geolocation
IP Geolocation allows NoFraud to compare the device location to the billing or shipping address
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proxy piercing
Proxy piercing detects if the customer is actually where he or she claims to be
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Intelligent monitoring
Monitors future transactions to retroactively flag past transactions as fraudulent when new data becomes available
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Velocity detection
Monitors transaction velocity to identify risk through related transactions in close succession
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Persona tracking
Persona tracking identifies order characteristics and customer behavior to establish risk
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verify identity
Pulls data from social media databases to verify identity
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cross reference
NoFraud accesses bank identification numbers to cross-reference banks' information on a customer's location
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black lists
Utilizes global and merchant-specific black lists to cross-reference transactions
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global blacklists
Monitors global customer blacklists
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Examine bank
Examines bank identification numbers
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Merchant specific data
Allows incorporation of merchant-specific data points and customer lists
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Our staff has developed an algorithm that is far superior to alternatives, reducing fraud rates to below 0.01%.
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Address Verification and Card Verification Number service is built directly into the system.
how it works - multiple levels of fraud prevention
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Digital Identification
Data is cross-referenced with external databases, including IP, Device, Proxy, Global Blacklists, and other historical data, to identify red flags and collect user activity that may add risk.
Behavior Analysis
Advanced machine learning algorithms scrutinize user behavior to identify trends that add additional risk. Areas vetted include Geo-location, Transaction Velocity, Cross-Transaction Data, High-Risk Characteristics, and Persona Analysis.
Data Validation
User provided data is analyzed and cross referenced for inconsistencies, enabling our system to distinguish typos from fraud. Data sources include AVS, CVV/CVV2, BIN, Social Data and publicly available information.
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Transaction Monitoring
Nearly every declined transaction is looked over by a fraud expert, as well as selected approved transactions, to ensure nothing goes unnoticed.
Live Cardholder Verification
Where cardholder contact information is verifiable, NoFraud will contact a customer directly to confirm the legitimacy of their order before declining a flagged transaction.
White/Black Lists
Merchants retain access to their account and can make the decision to approve or decline a customer or specific transactions.