The document introduces ClearCommerce® FraudShield®, a solution that helps merchants protect revenue from fraudulent online orders. It provides concise summaries of key points: 1) Doing business online exposes merchants to significant financial losses from fraud, as criminals attack in fast, multi-million dollar strikes. 2) ClearCommerce® FraudShield® integrates a comprehensive arsenal of fraud detection technologies to create a flexible platform customized for merchant needs. 3) The solution offers reliable fraud prevention tools, sophisticated business rules, and negative/positive databases to screen orders and block repeat fraud attempts.

1. Protect+Serve Introducing ClearCommerce® FraudShield®
The Risk Management Challenge Merchants must protect their revenue andprofits from this risk of:
The continued evolution of online commerce presents merchants Virtually anonymous purchasers
with new opportunities for revenue and order-processing efficiency.
Vulnerability to technology-assisted fraud
Doing business in card-not-present (CNP) sales channels also
Cost and inefficiency of manual order verification
exposes merchants to the risk of significant financial loss due to
Ever increasing sophistication of fraud schemes and tools
fraudulent orders. Networks of organized criminals that attack in
lightning fast, multi-million dollar strikes are victimizing merchants. Growing threat of well-organized networks of criminals
11601 Roosevelt Blvd. (TA-06) | St. Petersburg, FL 33716 | 1-866-894-0807 toll-free | ClearCommerce@fnis.com e-mail | fidelityinfoservices.com > click check services > e-commerce SECURE PAYMENT PROCESSING + FRAUD MANAGEMENT SOLUTIONS + CUSTOMIZABLE MANAGED SERVICES

2. The FraudDetect Database
tomize them to meet specific business used to block transactions based on prior
Availability Fraudulent Shipping Addresses
The FraudShield® ASP service is based on needs and optimize detection results. These fraud attempts or chargebacks. Positive lists Database of known fraudulent address-
Comparison of order with characteristics of
rules are based on any combination of order are used to streamline the approval of trans-
a state-of-the-art, high-availability infra- es can be used to screen for cases of
known fraud increases accuracy of fraud detec-
detail data fields and built-in functions. actions for trusted customers.
structure, providing 24x7 monitoring and repeat fraud.
tion. The FraudDetect Database includes the fol-
management, leveraging fault tolerance, lowing data sources, assembled and maintained
Rule Weighting Order Review
SNMP publishing, server management and Card BIN Database
by ClearCommerce/Certegy, designed to
FraudShield® provides flexibility to manage
Rule weighting is a first-of-its-kind feature,
fail-over capabilities to maximize uptime. Includes 60,000 Bank Identification
enhance detection of fraudulent orders:
developed by ClearCommerce/Certegy, suspicious transactions; transactions iden- Numbers (BINs). Identifies issuing
that enables users to easily create a cus- tified as potentially fraudulent may be
Security bank and card number country. Allows
Compromised Credit Card Numbers
FraudShield® includes data encryption, tomized transaction “scorecard” for rejected outright, inspected on-screen or screening of cards issued from certain
Valid credit card numbers posted in chat
assessing fraud risk by assigning numeric placed in a “pending” state for further
multi-user authentication and rights high-risk countries. Validates address
rooms and on websites that are frequented
Protect values or weights to the business-specific review by risk management staff with the
management and transaction auditing information provided by cardholder.
by fraudsters. Numbers that can be cross-
ClearCommerce® RapidReviewerTM prod-
screening rules that they have established.
within a PCI/CISP certified ASP hosted checked by merchants against card num-
Rule weighting improves fraud detection uct. The user interface also enables track-
environment, as well as PA-DSS certifica- bers from current orders.
The ClearCommerce® Solution
accuracy by providing a customized trans- ing of chargebacks or other subsequent
tion for the software version to ensure
Profits The ClearCommerce® solution is the most
action risk score based on how many and losses associated with the transaction.
mission-critical data is secured. Area, Exchange, ZIP + Exchange
more importantly, which rules are triggered. This tracking provides a total picture of accurate and effective solution to protect
Validation
Comprehensive Fraud Tools—The Basics each transaction’s screening, approval and against the threat of fraud attacks, increase
Complete list of valid area codes and com-
The ClearCommerce® FraudShield® solution Authorization Checks outcome for future analysis. revenue, and improve the profitability of
binations for U.S. phone numbers.
FraudShield® incorporates issuer-side verifi-
An Overview offers the industry’s most extensive arsenal CNP sales channels.
Validation of whether the phone number
ClearCommerce® FraudShield® integrates a cation services like the Address Verification Fraud Services
of fraud technologies, from the basic tools provided by a customer is a valid area
A Proven Partner
Service (AVS) and Card Verification
and services you need to begin your fraud
comprehensive and powerful arsenal of fraud code/ exchange combination. Cross-vali-
The following fraud services are available in
combination with FraudShield ®, to help
Methods (CVM), which can also be provid-
prevention efforts, through advanced capa- When your CNP business requires a proven
detection technologies to create a flexible dation of locales obtained from IP
ed externally for customers using in-house
bilities utilizing leading-edge technologies. partner with the most comprehensive
platform that can be easily customized to Geolocation, area code, ZIP code and
control the cost of effectively fighting fraud:
payment gateways.
The following basic tools are offered: suite of payment processing and fraud
specific merchant business requirements. ship-to/mail-to addresses.
management services available in the
GeoLocator International IP Location +
Enterprise-Class Solution Velocity Checks
Control Panel industry, give us a call and let us get
Proxy Servers and Anonymizers
NetWork Connectivity
The control center for the FraudShield®
The FraudShield® solution offers the same Merchants can create velocity checks to started on demonstrating our commitment
Often used by fraudsters to mask the
GeoLocator is a valuable screening tool
screen orders for any captured data field,
solution is a flexible rules engine that to your results.
benefits to large and small merchants. location or country from which they are
for international fraud, which accounts for
for example credit card number, email
enables implementation of an automated
Whether you take advantage of the placing orders. Can be crossed by mer-
almost 40% of fraudulent transactions;
CommercePointeTM hosting environment or address, Internet Protocol (IP) address,
screening process, which can be config- chants against the IP addresses from
GeoLocator identifies the city, state,
etc., to identify repeat occurrences across
ured specifically for the merchant’s busi-
install the software in your own environ- orders to identify customers who may be
region and country of the originating IP
ment, the ClearCommerce® solution offers a series of transactions over time. Velocity
ness. A Web-based interface allows a busi- attempting to place fraudulent orders
address. In addition, network service and
CLEARCOMMERCE® + CERTEGY
checks serve as a tool for recognizing
ness user to easily design, deploy and
the following: through an anonymizer.
connectivity information of the con-
order patterns indicative of fraud and cata-
update the screening process in real-time sumer’s IP address further profile the 11601 Roosevelt Blvd. (TA–06)
loging information from orders triggering
with no transaction processing downtime
Reliability Satellite Providers
order being made. Users can create rules, St. Petersburg, FL 33716
FraudShield® provides transaction check- velocity checks.
and no assistance from IT staff. Providers of global Internet access are often
for example, to filter transactions origi-
1–866-894-0807 toll–free
pointing, exception handling, detailed used by fraudsters for Internet access from
nating from locations with high rates of
ClearCommerce@fnis.com e-mail
Negative and Positive Databases
Sophisticated Business Rules
logging and critical shutdown features, foreign countries. Can be used to identify
fraud, or with billing or shipping address-
fidelityinfoservices.com > click check services
FraudShield® can easily create and manage
Through the control center, the user can cre-
which protect transaction integrity even orders originating via a satellite connection
es to locations different from the originat-
> e-commerce
negative and positive lists. Negative lists are
ate any number of screening rules, cus-
under fault conditions. to avoid fraudulent orders.
ing IP addresses.
SECURE PAYMENT PROCESSING + FRAUD MANAGEMENT SOLUTIONS + CUSTOMIZABLE MANAGED SERVICES SECURE PAYMENT PROCESSING + FRAUD MANAGEMENT SOLUTIONS + CUSTOMIZABLE MANAGED SERVICES