ClearSale, an international fraud-protection company serving e-commerce merchants, has developed a new, proprietary Mapper biometric toolkit to enhance the company's Total Guaranteed Protection service.
Mapper, developed in-house by ClearSale's fraud-detection experts, seamlessly combines real-time purchaser behavior and historical data to analyse each individual order's risk of fraud. Mapper's function is to thwart would-be thieves who have enough stolen data to impersonate legitimate customers.
"Fraudsters can steal information, but they cannot always reproduce regular customer behaviour with a mouse or keyboard," said Rafael Lourenco, VP of US Operations at ClearSale. "One of the key weapons against fraud is the ability to analyse the purchase behaviour of the person who is placing the order. Mapper adds another layer of detailed, real-time information to each order's fraud score."
To protect e-commerce merchants and their customers, Mapper automatically analyzes behaviors of the person placing the order. These include:
- The amount of time spent on the website. Legitimate customers usually take time to read product information, while thieves often zoom in on products they intend to steal.
- The amount of time it takes to enter customer, shipping, and payment data. This typically takes longer among fraudsters, who are working with unfamiliar stolen data.
- A biometric comparison of the shopper's keyboard input and mouse movements to data from previous valid transactions by the same person. This can reveal possible fraud by someone posing as the customer.
Mapper results contribute to the overall fraud score calculated by ClearSale's Total Guaranteed Protection service, which screens all domestic and cross-border e-commerce orders for fraud risk, manually reviews all high-risk orders, and gives merchants the final say on which orders to approve and deny. Total Guaranteed Protection clients pay no fraud-related chargeback costs and only pay for the orders they approve.