If fraud rates hold steady, fraud losses for all payment transactions around the globe could account for$30 billion by 2005, according to Meridien Research. Fraud prevention services such as LinkShield^™could help turn the tide. The LinkShield service gives merchants fraud-risk ratings that measure the likelihood of fraud for each transaction right at the point of sale, allowing merchants the opportunity to prevent fraud before it happens. Because each fraud protection tool has its own strengths, LinkShield combines the industry's top fraud-protection tools to provide an exceedingly comprehensive fraud protection service.

Get the peace of mind that comes with extra fraud protection. Get LinkShield: your best defense against fraud.

Features at a Glance

• Uses neural net technology along with up-to-the-second information on millions of transactions occurring everywhere in the world
• Takes advantage of extensive transaction databases
• Identifies patterns associated with high-risk transactions
• Evaluates merchants' transactions at the point of sale
• Gives merchants the opportunity to avoid high-risk transactions before it's too late
• Requires no extra integration for API merchants
• Once the LinkShield service is activated, the fraud risk score is automatically returned for every pre-authorization and sale transaction.

Choose up to two risk scoring options. (If both are selected, the average of the two scores is provided.)

Option 1

Powered by Fair Isaac ® Falcon ® risk management software, Option 1 provides two basic components: a neural network and profiles that capture consumer purchasing behavior. The neural network is initially taught to recognize behavior patterns that are fraudulent based on knowledge gained from more than 80 billion purchases world-wide. It continues to learn more about the purchasing behavior of customers from their transactions as it reviews more and more transactions. With every new transaction-millions per month- the models continue to learn and update profiles with positive and negative data.

Option 2

Powered by the ClearCommerce FraudAnalyzer model, Option 2 supplies a statistical model specifically designed to identify potentially fraudulent online credit card transactions. The statistical model was based on an historical database that contains millions of online credit card transactions collected from several thousand Internet merchants.