Our self-learning risk analytics programs are built on an ever-growing database of consumer bank account history. We compile and maintain information from thousands of banks on financial accounts and check writing behaviors – including a database of millions of returned and fraudulent payments.
We take measures to ensure that consumers are protected from unauthorized use of their account data.
For each transaction, we perform a risk analysis of both the payment details and consumer’s financial history, matching the information up against our cumulative database. Our predictive risk engine screens and identifies instances of account abuse and fraud, such as check forgeries, counterfeits and alterations.
This comprehensive assessment is completed in a sub-second, delivering immediate recommendations to accept or decline a payment – and ultimately, minimizing loss.