Identity Verification Data Now Integrated into Major eCommerce Fraud Platforms

We are always striving to continuously improve our data offerings, like our recent addition of international data to Identity Check. Our product team is equally committed to ensuring that our data is accessible and easy to implement within existing systems and customer processes. We build approachable, RESTful APIs for ease of integration and maintain an intuitive web interface for manual searches. Beyond the pure accessibility of Pro products, our data is formally integrated with an impressive list of partners across industries, including FICO for collections, Twilio for mobile application development, and ActiveProspect for lead generation.
We’re excited to add to the list with two new formal Identity Check integrations in major eCommerce fraud platforms, CyberSource and Kount. These partners further enable us to support the thousands of merchants on these leading fraud prevention platforms beyond just the manual review function. With these new integrations and our long-standing partnership with Accertify, merchants on these platforms are able to use Ekata Identity Check data right now for transaction decisioning with no developer resources.
In every platform, Ekata data is great at reducing the overall manual review rate by auto-approving good transactions and pushing only the riskiest orders into the queue. However, the way merchants enable and access the data varies by platform.
CyberSource Integration
CyberSource is a rules-based decisioning engine (think “if-then” statements). For instance, a simple rule can begin “WPPro Phone-to-Name Match = Accept.” Naturally, this isn’t nearly enough for clear decision, but the system allows an additive rule effect. For example, take this potential accept rule:
“WPPro Phone-to-Name Match and WPPro Address-to-Name Match and WPro Name-to-Email Match and CyberSource AFS Score <40 and Dollar Amount of Order <$200 = Accept.”
With that amount of detail, plus confirmed device identification and positive customer history, a merchant can approve an order with confidence.
On the converse, a review rule could look like this: 
“WPPro Email-to-Name No Match and WPPro Email-First-Seen-Days < 100= Review.”
The mismatched contact data points on an order are usually enough to send a questionable order into manual review for additional research.
It’s quite rare to find an auto-reject rule, as merchants want to ensure that keystroke or auto-fill errors don’t lead a good customer order to rejection, but the additive effect of rules within CyberSource are powerful for auto-accepting good orders and pulling questionable orders into review. Once enabled, any order that is funneled into a Rule Profile with at least one Identity Check condition will call the Identity Check API.
Kount Integration
Similar to CyberSource, Kount runs a sequential rules-based decisioning engine that allows merchants to write specific rules tailored to their business. The integration will be fully live and supported in early 2017 and, once enabled, any order that is funneled into a ruleset that includes at least one Identity Check condition will call the Identity Check API. If you’re interested in looking at potential rules and running a data test prior to the formal integration, contact us.
Accertify Integration
Accertify’s Interceptas platform supports concurrent score-based decisioning with a manual review threshold score, allowing merchants to assign weighted scores to each individual rule within their ruleset. For instance, if a merchant sets a manual review threshold to 500, any order that scores 500 or above will be sent into manual review, while all orders below will be auto-approved. In this fashion, a merchant can set both positive rules (negative points) and negative rules (positive points). Intuitive, I know. Here’s an example:
“WPPro Email-to-Name Match = -150 and WPPro Name-to-Address Match = -50 and WPPro Phone-to-Name No Match = +100 and WPPro Address-to-Phone Match = -50.”
In this instance, the Identity Check rules have removed a net 50 points to the score. Depending on where the rules fire in the waterfall, these 50 points may bring the order closer to or further from the manual review threshold. As you see, the granularity of the rules, layered on top of Accertify’s overall score, can help ensure the most complex orders get sent into review while merchants can more consistently auto-approve good orders with verified identities.
Ease of Integration
To demonstrate what rules may work for your business, we offer free offline batch tests for CyberSource, Kount, and Accertify customers using data exported from the Decision Manager Detail Report, Datamart, and Enterprise Reporting (respectively). We’ve gone through the testing process with customers like HSN, Metglobal, and Vivid Seats to help them reduce fraud and get good orders out the door faster. We have an experienced engineering team leading the testing effort and once the rules are decided upon, a merchant can easily enable the API within their platform without needing a developer – the API is already integrated.
Regardless of fraud platform, a layered decisioning waterfall allows merchants to speed orders to clear, reduce potential insult rates, and surface appropriate friction to thwart fraud attempts, all of which are increasingly important as we head into the busy holiday season.
Interested in running a data test, turning on Identity Check in your platform, or taking with one of our data experts? Just let us know.

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