CyberSource credit card fraud detection software, Smart Authorization, is a real-time non-physical payment authorization service with effective, built-in theft and scam screening technology.

It is a turnkey solution to help businesses combat theft and/or scams and process more valid orders automatically without requiring a sophisticated theft/scam department or additional technical resources to implement or manage. CyberSource Smart Authorization offers fast, reliable and secure electronic payment authorization; effective identification of false orders in real-time; automatic acceptance of valid orders; and simple set-up and operation. Simplistic tools, such as the banking network's Address Verification System (AVS), perform very limited screening and therefore often let a significant volume of false orders slip through while incorrectly declining legitimate orders. Merchants lose critical sales and create customer dissatisfaction. With CyberSource Smart Authorization, more legitimate orders can be identified and automatically accepted with a high degree of confidence. Specifically, the Smart Authorization credit card fraud detection software performs complete address validation, phone number validation, data analysis and a negative file check. The complete address validation verifies that both the cardholder's billing and shipping addresses are legitimate and deliverable. Phone number validation verifies that the customer's area code is legitimate and correctly matches the cardholder's address. Data analysis analyzes customer data to determine if there are "red flags" such as obscenities or nonsensical data that can indicate scam or theft transactions. Finally, the negative file check reviews each transaction against a file of historically "bad" addresses and non-physical payment numbers hosted by CyberSource on behalf of the merchant. Market-proven since 1997, unsurpassed predictability, accuracy and utility to optimize online and business commerce efficiency is delivered with CyberSouce’s credit card fraud detection software. For Payment Services customers, Smart Authorization installation and operation is fast and easy. There are no additional fields required on your product order form, no settings to establish in advance, and no service responses that require special coding beyond the normal non-physical payment processing. CyberSource provides modular risk management solutions that help achieve total operating efficiency for web, call center, and IVR sales operations.

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If your company requires a more comprehensive credit card fraud detection management system that can be fine-tuned to prevent specific scam patterns, support a particular product line, or flag a certain customer profile, look to our CyberSource Risk Management Solutions or contact a sales representative.

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