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
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.
Resources
Gartner’s CARTA-approach aligns with Mastercard’s Connected Intelligence
Gartner supports this approach through its CARTA recommendation. Read the Gartner report on the importance of connecting your tools.
The tools behind the Connected Intelligence approach
Look at the tools behind the Connected Intelligence approach that avoids any weak link in your security for better user experience.
Gartner’s CARTA-approach aligns with Mastercard’s Connected Intelligence
Gartner supports this approach through its CARTA recommendation. Read the Gartner report on the importance of connecting your tools.