CSN Certify

Stop High Risk Transactions before they start

Pre-Transaction Fraud Detection, Traffic Shaping and Scrub

Is your customer hiding behind a PROXY? Have they jumped onto a High Risk, anonymous network to make the purchase? Are they in a High Risk country? We can determine all these things and more. With CERTIFY, you are in control of your traffic. Set up filters to ACCEPT, DECLINE, or mark for REVIEW based on these attributes and more.

CERTIFY quantifies much more than what is mentioned above. Included are filters for High Risk; email addresses, local time of day, phone numbers, addresses and Card Attributes.

Through our relationship with MaxMind, a MinFraud score is included in your CERTIFY request. Every attribute of acquired profile data can be individually set, by return, to mark as requiring REVIEW or as a DECLINE. If you aren't sure how to mark an attribute, you can use the Cyber Secure Networks recommendations or use the AI generated global settings of; OFF, LOW, MEDIUM, HIGH to set scrub levels.

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IP Profiling

PROXY, Network, Location, and throttling are just some of the attributes that are available when the IP Address is passed in.

DEVICE recognition

By using our detection pixel, or by passing in certain detectable device settings, we track the device to monitor it's submissions and risk profile.

ADDRESS profiling

What risk level is associated with non-matching Billing and Shipping Addresses? How far is the customer's Billing Address from their current physical location? These can be indicators of fraud and are configurable risk points.

EMAIL Address

Is the email address recently created and a throw-away? Is the email address domain on any watch lists? With our access to this information, we can develop a risk profile against the provided address.

THROTTLING

By passing in IP Address, Email Address, and / or Phone Number, we monitor the number of attempts that users make and assign risk based on default values or those that you configure

CARD Cycling

If a Credit Card is submitted to CERTIFY, monitors are put in place to detect submissions derived from Credit Card generators. These can be marked and Block or Review suggestions can be returned.

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Advantages for you

CERTIFY brings you an initial, pre-transaction tool to cleanse your traffic of High Risk submissions.

Submit a few pieces of information and CERTIFY will derive 100+ check points to run against configured risk thresholds. Cyber Secure Networks fosters unique relationships that allow us to give you an in depth risk profile of your transaction submissions. Customize your account to find the best balance and scrub level to maximize your fraud detection and prevention without sacrificing good traffic. Use our AI generated rules or your own to refine your integration and maximize your success.

How it works

There are many steps that go into the Cyber Secure Network's CERTIFY system. Some of these are proprietary, however, you can find a general outline below.

  1. IP Address, Email Address, Phone Number, User-Agent, and Card Number ( or a subset of these ) are submitted to the CERTIFY API
  2. Information and values are consolidated, formatted, validated and authenticated
  3. Received information is categorized and initial checks are run against it ( Valid IP Address, Valid Email Address, User-Agent derived profile, Card Number validity, etc. ) to create a wholistic, valid, CERTIFY object.
  4. Additional attributes are gathered from the CERTIFY group of attributes including; physical location, network categorization, local time, issuing bank data, among others...
  5. After all preliminary attributes are gathered, they are run against values and pre-set configurations put in place by the account administrator, whether they are custom or set as system defaults
  6. If previous steps are passed, and the request contains the enabled flagged, collected attributes are rolled up and sent for a MinFraud Risk Score.
  7. Request response data is collected and returned to the customer, or, applied to pre-configured filter thresholds to establish a return of; APPROVED, REVIEW, DECLINE

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Support

We are here to help you. At any time, reach out to us and we will help you maximize the benefits you can get from our services.

Lower Decline Rates

Watch your Decline, Fraud, and Chargeback rates fall.

Boost Approval Rates

With a healthier Merchant Account, you will see a climb in Approval Rates and Net income

Customizable

Combine CERTIFY with other CSN Services and fully customize your Certify integration.