Authorisation System and Fraud Prevention Engine

Our authorisation system is designed to be robust and reliable while providing maximum flexibility to meet clients' specific needs and requirements.

Key features:

  • Scheme agnostic solution;
  • Modern architecture;
  • Active/active setup - high availability;
  • Technical and business checks;
  • Limit management;
  • Real time monitoring and alerts;
  • Security features: EMV compliant, fraud detection and stand-in processing without service disruption.

Within the authorisation system we offer 3-D secure protocol that enables issuers to verify a cardholder's identity and transaction authentication on mobile app (biometric authentication).

The issuer authenticates the cardholder's identity in real time and the response is communicated directly to the merchant prior to authorisation. We are using a partner 3-D secure solution to comply with 3-D secure protocol (v.2.2./EMVCo).

Our fraud prevention engine works seamlessly with our authorisation system to screen transactions in real-time, serving as an invisible yet crucial part of the process.

By leveraging advanced algorithms, our system detects and mitigates fraudulent activities, ensuring secure and trustworthy transactions for your business.

It consists of two modules:

Business rule engine (BRE) service enhances risk controls during authorisation request processing. It performs a sequence of user-defined rules in real time and provides responses that impact the final authorisation decision.

Fraud case manager monitors and manages potential fraudulent transactions in real time, with optional customer alerting via email and SMS messages. It employs a powerful transaction risk analyzer, powered by BRE, to identify possible fraud patterns using predefined rules.