Alissa's purchase
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Approved transaction
Kelly's purchase
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Janines's purchase
Robbie's purchase
Declined transaction
Decision Manager Demo Demos
Accept More Good Orders
EXPLORE DEMOS
Janine's purchase
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DECISION MANAGER: ACCEPT
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Meet Alissa.
Alissa is a loyal customer at FashionNow.com. Her shopping adventures typically involve spending between $50 and $200. Today is no different. She's set her eyes on a pair of boots priced at $175. She is already counting down the minutes until she can pick them up at her local store.
Shopping History
Good Indicators
Risky Indicators
Alissa's passion for shopping is undeniable. She has made purchases at FashionNow and 4 other local merchants in the past month.
Repeat customer Existing profile Device identifiers
Purchase made in normal price range Positive shopper history
None
Alissa's info
Name
Alissa Smith
Age
32
Shipping Address
123 Lane Rd. Austin, TX
Billing Address
Email Address
asmith@myemail.com
Step 1: Add to cart
Alissa visits the FashionNow website, signs into her account, and adds the boots she's been eyeing to her cart. She selects the in-store pickup option.
Automatically screen for fraud
Even before you complete the checkout process, Decision Manager is proactively tracking your device indicators.
GOOD INDICATORS
RISKY INDICATORS
Repeat customer Existing profile Items in cart within normal price range
BACK
Repeat customer Existing profile Items in cart within normal price range Device identifiers Positive shopper history
Step 2: Input of information
Alissa begins the checkout process and enters her billing and shipping information.
Decision Manager
All of this flows into Identity Behavior Analysis, a unique positive behavior AI, to help Decision Manager deliver accurate, automated risk scores that produce real results. In this case, Alissa's indicators produced a score indicating validity.
Step 3: Order complete
Alissa submits her payment information and she receives her order confirmation. The transaction is now complete.
Automatically accept good transactions
Since all of Alissa's indicators produced a risk score that came back as good, her transaction was approved.
HI, ALISSA
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Data-driven risk score and increased acceptance
Since all of Kelly's indicators produced a risk score that came back as good, his transaction was approved.
Kelly submits his payment information and he receives his order confirmation. The transaction is now complete.
Decision Manager has access to shopping history, which reveals that he has shopped with a handful of merchants over the last year and has good history – no chargebacks or excessive returns. All of this flows into Identity Behavior Analysis, a unique positive behavior AI, to help Decision Manager deliver accurate, automated risk scores that produce real results. In this case, Kelly's indicators produced a score indicating validity.
Device identifiers Positive shopper history
Kelly begins the checkout process and enters his billing and shipping information.
Even before you complete the checkout process, Decision Manager is proactively tracking your device identifiers.
Device identifiers
Kelly is excited about the 40% off price he got on the five headphones he ordered the other day, so he's back on the MusicMania site again and adds three more headphones to his cart.
No customer history Large purchase
Kelly is a selective and infrequent shopper. He waits for the right deal before making a purchase. Over the past year, he's shopped with a few merchants, maintaining a clean record with no chargebacks or excessive returns.
Meet Kelly.
Kelly is a savvy shopper who has mastered the art of bargin hunting. His loyalty isn't tied to specific merchants, but rather to where the best deals are. When MusicMania has a 40% off discount on headphones, he takes the opportunity to buy a new pair and several birthday gifts. He snags up five pairs of headphones, only to come back two days later to buy three more. Because who doesn't appreciate a good backup pair, right?
Kelly's info
Kelly Adams
28
129 Alley Rd. Chicago, IL
kelladams@myemail.com
DECISION MANAGER: REVIEW RISK
Frequent purchases in short period of time Guest checkout
No customer history Guest checkout
No customer history Guest checkout Frequent purchases in short time Large purchase
VISA, USER, & THIRD PARTY DATA
Decision Manager uses outside data to help in decisioning when more information is required to produce a score.
Increased acceptance rates
Since all of Janine's indicators produced a risk score that came back as good, her transaction was approved.
Janine submits her payment information and she receives her order confirmation. The transaction is now complete.
Janine's shopping history shows her frequent visits to the craft store and grocery store, as well as a purchase at a toy store that was shipped to a different address. Her purchases are usually high, but not quite as high as this transaction. All of this flows into Identity Behavior Analysis, a unique positive behavior AI, to help Decision Manager deliver accurate, automated risk scores that produce real results. In this case, Janine's indicators produced a score indicating validity.
Janine begins the checkout process and enters her billing information, as well as the email to send the tickets to.
Positive shopper history Uses same device when shopping online
No customer history
Janine visits the Ticketseller website and adds the four front row seat tickets to her cart.
No customer history Large purchase New account creation
Uses same email Uses same device when shopping online Positive shopper history
Janine often shops at craft stores and visits the grocery store regularly. In an interesting departure from her usual shopping habits, Janine bought a toy and had it shipped to a different address. Perhaps another thoughful gift in the making?
Meet Janine.
Janine is a thoughtful grandmother who's planning a special graduation surprise for her granddaughter, Claire. She knows Claire loves electronic music, and there is an upcoming concert with her favorite DJ, SonicWave. She wants to buy four front row tickets for Claire and her friends to spend an unforgettable night together.
Janine's info
Janine Miller
72
155 Cherry Ln, Boyne, IL
craftygram@myemail.com
Positive shopper history Uses same device when shopping online Uses same email
Step 3: Order declined
Robbie submits his payment information and he receives a notification that his transaction has been declined.
Robbie might seem like a legitimate customer, but Decision Manager starts identifying some risky indicators. His shopper history shows a series of declined payments – he's never been able to complete a transaction. Robbie is not real; he's a bot. All of this flows into Identity Behavior Analysis, a unique positive behavior AI, to help Decision Manager deliver accurate, automated risk scores that produce real results. In this case, Robbie's indicators produced a bad score.
Robbie begins the checkout process and enters his billing information.
No merchant history No positive shopper history
The CasinoGo website counts down to the release of the newest game console. Robbie adds the product to his cart as soon as the clock hits 00:00:00.
No merchant history No positive shopper history Device indicators appear non-human
Same billing and shipping address Existing profile associated with email Appears to be a normal purchase
Despite Robbie's active engagement in the gaming world, his financial history is less than stellar. He has a series of declined payments and has unfortunately never been able to complete a transaction.
Meet Robbie.
Robbie is a gaming enthusiast who is always on the hunt for the latest gaming consoles. When CasinoGo releases their new console, Robbie is right there, purchasing it the moment it goes live on the market.
Robbie's info
Robbie Jones
26
487 Industrial Ln, Bighton MI
rob26jone5@myemail.com
DECISION MANAGER: DECLINED
Same billing and shipping address Existing profile associated with email
Automatically decline bad transactions
In this case, Robbie's risky indicators outweighed the good. With the use of Decision Manager and additional data, the score produced showed that his is not human, and his transaction was declined.
