Transaction Scoring

Through a third party relationship, Chase Paymentech offers a "fully managed" global fraud solution to our merchant accounts. This comprehensive solution combines FalconTM Fraud Manager for Merchants predictive scoring technology with access to proprietary databases, rules based processing, and expert human insight to provide a best of breed risk management service. Merchants are provided a clear recommendation of accept, deny or challenge. Merchants also gain access to a web-based tool, providing detailed information on each transaction to determine its viability.

Transaction scoring service is currently offered through Chase Paymentech and these partners:

• ClearCommerce is a leading provider of fraud detection and payment processing software, serving more than 60,000 businesses worldwide. ClearCommerce Risk Management integrates a comprehensive and powerful arsenal of fraud detection technologies into a flexible decision platform that enables merchants to optimize fraud detection, increase revenue, and improve profitability of card-not-present sales channels.
• CyberSource is a leading provider of risk management and electronic payment solutions for enterprise businesses selling via multiple sales channels. CyberSource solutions manage transaction risk and enable electronic payment processing for Web, call center/IVR, and POS environments. Over 3,000 businesses use CyberSource solutions.
• Retail Decisions (ReD) provides fraud prevention, enterprise-class payment processing software and value-added transaction and consulting services to the finance, telecommunications, retail and e-commerce sectors. The company currently protects nearly 10,000 retail sites globally. In 2001, Retail Decisions processed more than 1 billion card transactions, stopping an estimated $396 million in fraudulent purchases.