A Connected Intelligence Approach

The future of  authentication and security  connects all the dots  in  your customer’s experience,  from account creation to purchase  –  and beyond.

All the intelligence. One platform.

See how the dots across your user interactions are connected to create a better experience.

Sign Up

Sign-up

Imagine your customer is opening an account. This is the first place to  start getting to know her; based on her behavior, device information, and hundreds of other parameters.

Login

A few days later, we  see  a login attempt with the correct credentials. The login is legitimate because, aside from the password, her behavior and other parameters  are consistent with her past interactions,  including  when she opened the account.

Rewards

Rewards are attractive for bad actors because they don’t need a credit card to gain assets. We see she is sending points to a friend, but we know this action is legitimate because the device information and other behavioral patterns are consistent with her past activity.

Browsing

While she is browsing, among other patterns, we know that she normally takes a few minutes to choose an item before she adds it to the cart. Today she follows the same patterns, so we don’t have to worry about a malicious actor hijacking her account.

Checkout

By the time  she gets to  the checkout, thanks to the Connected Intelligence  approach, there is enough information from her entire journey to know this is the right user. Allowing the merchant to remove unnecessary friction.

Purchase

When she hits Buy, the transaction is sent through the 3D-Secure protocol, leveraging up to 150 data points to help the issuer accept her transaction, without unnecessary friction.

Chargeback

If, after receiving the goods, she requests a chargeback, the merchant can use the collected data on the Mastercom dispute platform to ensure that she doesn’t mistakenly dispute a legitimate transaction.