7
ACCEPT MORE ORDERS, FROM MORE PEOPLE, IN MORE PLACES.
ACCEPT MORE ORDERS, FROM MORE PEOPLE, IN MORE PLACES.
©2017 Kount Inc. All rights reserved. Kount™, Kount Complete™, Multi-layer Device Fingerprinting™, Proxy Piercer®, Dynamic Scoring™, and other names, logos, icons and marks identifying the Company’s products and services are trademarks and/or registered trademarks of the Company and may not be used without the prior written permission of the Company. Other product or company names referred to may be trademarks of their respective owners. 07.17
Boost Sales—Increase top line revenue in 60 days or less
Beat Fraud—Reduce chargebacks, lost revenue, lost time
Eliminate Complexity—Easy to implement, easy to use
Lower Cost—One solution, no hidden fees
Easy Decision—60-day money-back guarantee
The value we get from Kount is phenomenal. Our return on investment is easily 10 to 1.
Ma� Debnar, VP of eCommerceU.S. Polo Assn. (Jordache)
Our business has doubled, while the chargeback rate for our merchants has declined 500%.
John Johansen, Fraud ManagerBlueSnap
Kount provides more precise rules, which has allowed us to broaden our geographic reach by unblocking negative listed countries. That has helped spur a striking 116% increase in Total Transaction Volume.
Tim WaggGeneral Manager Customer Operations, Webjet
CONTACT KOUNT TODAY:
Kount Sales(208) [email protected]
Visit www.kount.com for additional information, including case studies, videos, white papers, and solution briefs.
******
Increase Sales With Be�er Fraud ProtectionKount’s fraud prevention platform helps you maximize sales. Now you can sell more, to more people, and in more markets than ever before. The flexibility of Kount’s patented technology can be implemented in a wide variety of applications and use cases without compromising efficiency or effectiveness.
Sell MoreKount offers a proactive, comprehensive fraud protection solution for merchants selling goods and services of all types:
• Digital Goods • Shippable Goods • Games/Gaming • Money Transfers • Free Trials • Prepaid • Gi� Cards • New Accounts
Kount manages transactions from over 200 countries and territories every day and evaluates orders in 180 different currencies, including dozens of alternative payment methods, such as PayPal and Bitcoin.
To More PeopleMerchants spend millions of dollars advertising across a variety of digital platforms to drive sales to their websites, only to discover too many orders are declined due to the suspicion of fraud.
Don’t allow cyber criminals to limit your company’s opportunities for growth. Whether your customers shop online, through their mobile device, over the phone, or via mail, Kount can protect the transactions. Kount makes it easy to accept more valid orders and maximize sales.
In More PlacesCross-border transactions are rejected at a rate 3X higher than domestic orders, leaving behind missed sales opportunities and frustrated customers. Affiliate networks often introduce higher levels of fraud into your system, crippling sales channels.
Whether you're growing via new international markets or through affiliate networks, with Kount you can expand with confidence. Kount’s peerless review process separates valid orders from fraudulent orders so the highest level of both sales and fraud protection is maintained.
We are the guardians of business, relentlessly vigilant against the shape-shifting specter of fraud. We are the gatekeepers for secure online and mobile eCommerce. Faceless crime requires a merciless partner. We are a fraudster’s worst nightmare. Account
TakeoverAccountCreation
PaymentTransactions
AccountLogin
PSPProtection
REAL-TIMEANALYTICS
NetworkEffect
Mobile Locations
Use Case/Channels
FinancialDetails
Machine Learning
PersonalInformation
DynamicMonitoring
AnomalyDetection Device/
Proxy
Persona™
Technology
ProductAttributes
Rules:Expert
System
Proprietary & Patented Fraud Screening Technology
Real-Time Fraud & Risk Data Orchestration Hub
Merely reacting to suspicious transactions leaves most merchants one step behind fast-moving fraudsters—and exposes them to potential losses. Kount provides a proactive, strategic approach to fraud management that helps prevent fraud before it occurs.
Strategy Management Kount helps you develop and manage a customized fraud strategy that dovetails with your business needs, so you can process transactions based on your specific business rules and tolerance for risk.
Operational Management We make it easy to manage the flow of transactions through the system, interact with risk managers, and connect with critical business systems such as logistics and accounting.
Strategic Approach to Fraud and Risk Management
Real-Time Analytics Kount’s proprietary system collects and analyzes hundreds of variables associated with each transaction, in real time—for a friction-free checkout process.
Kount Data Orchestration Hub Kount allows you to connect through best-in-class data providers, with a single integration to data append.
Real-Time Machine Learning Advanced AI technology greatly facilitates the platform and provides key insights.
Experienced Human Intelligence Knowledgeable fraud experts provide best practices and know-how, to help you grow your business. Because machines don’t run your business, people do.
Real Intelligence for Your Business
Kount’s Fraud Platform Collects and Analyzes Massive Data
Collaborates Best-In-ClassData Providers
• BehavioSec• Chargebacks911• Emailage• Ethoca• Issuer Info
Advanced AI Machine Learning Technology
Real-Time Machine Learning
ExperiencedHuman Intelligence
Real Intelligence for Your Business
• LexisNexis• Merchant Data• Neustar• TeleSign• Whitepages Pro
Skilled experts including client success managers, data analysts, and data scientists provide valuable knowledge that brings it all together.
Sophisticated technology helps find hidden insights about transactions, which we use to detect fraud as it emerges.
Every transaction is analyzed against a massive data network, detecting patterns of behavioral fraud risk in less than 300 milliseconds.
KOUNTORCHESTRATION
HUB
REAL-TIMEANALYTICS
NetworkEffect
Mobile Locations
Use Case/Channels
FinancialDetails
Machine Learning
PersonalInformation
DynamicMonitoring
AnomalyDetection Device/
Proxy
Persona™
Technology
ProductAttributes
Rules:Expert
System
1-3 seconds
KOUNTArtificial
Intelligence
BANKONLINE MERCHANTCONSUMER
TRANSACTIONS INCLUDE:
› Payments› Logins› Free Trials› New Accounts› Phone Orders› Mail Orders
CLIENTS INCLUDE:
› eCommerce› Digital Goods› Online Retailer› Mobile› Games/Gaming› Music
FURTHER REVIEW
APPROVED
DENIED
250-350 ms
Risk DecisionRules Engine
KOUNTRISK SCORE
Merchant & Variable Data
1. TRANSACTION SCREENINGEvery transaction undergoes a complete fraud screening, which analyzes hundreds of variables and creates an exceptionally accurate prediction of fraud, called the Kount Risk Score. Using this score, the Risk Decision Rules Engine assesses variable data and merchant rules to approve, decline or forward a transaction for further review—in real-time— within 250-350 milliseconds.
2. AUTO REVIEWIf review rules for a transaction are triggered, a second look is required. Kount’s AutoAgent speeds up the review process performing many functions automatically, such as querying additional 3rd party resources, merchant-supplied positive/negative lists, etc. Within 1-3 seconds, Kount’s AutoAgent approves, declines or forwards the transaction to a live agent for review.
3. WORKFLOW EFFICIENCYManual reviews can be reduced to 1-2% of all transactions, or eliminated altogether, saving time and money. Kount’s Workflow Queue Manager sends transactions to the appropriate agent based on a merchant’s criteria. The Kount Agent Web Console gives the agent single-view access to all data, third-party information, and Kount Risk Score information to resolve transactions with speed and efficiency.
FURTHER REVIEW
APPROVED
DENIED
Auto AgentRules Engine
WorkflowQueue
Manager
AutoAgent
APPROVED
DENIED
Manual Review
COMPLETE
DATA ORCHESTRATION
HUB
For All Online Merchants & Retailers
Kount Central was developed for online payment processors to combat fraud at the central point of payments. Processors such as payment service providers (PSPs), payment gateways, acquiring banks, and hosted pay pages, can now take advantage of Kount’s industry-leading fraud prevention platform for their business, and offer additional fraud and risk protection to their entire merchant portfolio, regardless of size or vertical market.
Kount Central offers a comprehensive suite, including three distinct modes of operation, giving both the processor and merchants, of all sizes, maximum protection against fraud and incremental revenue opportunities.
Because not all businesses require the same level of protection, Kount Central allows payment processors the freedom to offer the most appropriate options to Fortune 1000 and long-tail merchants alike.
A one-time, simple integration with the payment processor adds Kount Central’s industry-leading fraud protection to their list of available services. The combination of payment processing and fraud mitigation has many benefits for payment processors and their online merchant customers:
Fast-Track IntegrationSince the payment processor has already done all the integration work, the need for complex IT integrations with the merchant’s system are eliminated. Even the largest merchants can be up and running with Kount Central’s complete fraud prevention platform in minutes.
Incremental RevenueOnline payment processors can offer Kount Central to online merchants of all sizes through a variety of options, adding revenue and increasing the value of each customer.
Increased RetentionA payment processor‘s most valuable merchants are less likely to take their business elsewhere if they are using the leading fraud platform as an integrated solution.
Kount Central Enterprise
Kount Central Enterprise protects your top-tier merchants with direct implementation of Kount Complete’s fraud mitigation platform. Fast, seamless onboarding means your high-value merchants are up and running in minutes, avoiding the IT hassle of a complex integration.
Kount Central Fraud Manager
Using your branded interface, Kount Central Fraud Manager offers merchants the ability to manage their own risk/fraud thresholds. Designed specifically for small- to medium-sized merchants, Kount Central Fraud Manager simplifies fraud detection and gives payment processors an additional value-added, revenue opportunity.
Kount Central Portfolio Manager
Kount Central Portfolio offers fraud security services across an entire merchant portfolio, reviewing and reporting on all transactions for fraud events. Payment processors can view in-depth reporting on the overall risk profile of their merchants and detect areas of concern before they get out of control.
Kount Central Continuous Underwriting
Real-time underwriting is becoming the norm, but what happens after the merchant has an account? Kount Complete employs a concept of “continuous underwriting” that watches every transaction for risky behavior before it becomes a problem.
CENTRAL
Kount Central Fraud Manager
$ ONLINEPAYMENT
PROCESSOR
MERCHANT PORTFOLIO
KOUNTCENTRAL
MerchantThresholds
Kount Central Enterprise
Kount Central Portfolio Manager
REAL-TIMEANALYTICS
HOW KOUNT CENTRAL WORKS
For Payment Service Providers
Kount Access is a lightweight, extremely fast, and low-cost service which analyzes login behavior of users accessing your site, providing real-time data about their device and recent login activity so you can validate each user’s account privileges. With Kount Access, only those who are legitimate account owners gain access to your site, game, network, or more.
Kount Access cross-checks each individual component with several other components to calculate the velocity of related login attempts. For example, an individual's Device ID is cross-checked with IP address, accounts, passwords, and users to determine how many times the device was used in a login attempt, thereby generating a cross-check matrix of behavior for the last minute, and last hour. These velocities are checked in real-time by Kount Access to help you determine whether a login is approved, denied, or needs secondary authentication.
Enhancing the traditional user ID and password, Kount Access provides detailed data such as; Device ID, IP addresses, IP geolocation, mobile indicators, IP proxies, and velocities.
Kount Access enables merchants to identify fraudulent behavior in real-time and prevents:
USERNAME
PASSWORD
SIGN IN
CLIENT SYSTEMKOUNT
ACCESS
Device ID
Velocities
IP Proxy Flag
IP Address
IP Geo
Mobile Flag
REAL-TIMEANALYTICS
FURTHER REVIEW
APPROVED
DENIED
ACCESS
For User Accounts
Our customers report an average of 2.2% - 5.8% increase in
bottom-line sales after implementation. For each transaction, the
Kount platform analyzes hundreds of relevant variables and activity
across the globe in real-time, providing the most accurate fraud protection
available. Kount applies a multitude of patented and proven technologies
based on the specific needs of each customer—which allows merchants
to accept more good orders with fewer declines for false positives—
minimizing fraud loss and the need for manual review of orders.
With fraud under control, online businesses can focus on growing
revenue through higher conversion rates and other initiatives,
like adding new products or international expansion. Kount’s
business intelligence and reporting tools make it easy to
maximize sales opportunities. Our customers
experience as much as 98% fewer chargebacks and
lower fraud losses than ever before.
Boost Sales. Beat Fraud.
Account Takeover Fraud: Fraudsters are identified at the login page and can’t access the account.
Fraudulent Account Creation: Stops fraudsters from creating a new account or applying for services.
Brute Force A�acks: Stops automated login attempts whether by a person or automated.
Account Sharing Detection: Prevents sharing of passwords and forces compliance with licensing obligations.
Multiple Account Detection: Keeps fraudsters from creating multiple accounts to gain or regain access to your network.
ACCEPT MORE ORDERS, FROM MORE PEOPLE, IN MORE PLACES.
©2017 Kount Inc. All rights reserved. Kount™, Kount Complete™, Multi-layer Device Fingerprinting™, Proxy Piercer®, Dynamic Scoring™, and other names, logos, icons and marks identifying the Company’s products and services are trademarks and/or registered trademarks of the Company and may not be used without the prior written permission of the Company. Other product or company names referred to may be trademarks of their respective owners. 07.17
Boost Sales—Increase top line revenue in 60 days or less
Beat Fraud—Reduce chargebacks, lost revenue, lost time
Eliminate Complexity—Easy to implement, easy to use
Lower Cost—One solution, no hidden fees
Easy Decision—60-day money-back guarantee
The value we get from Kount is phenomenal. Our return on investment is easily 10 to 1.
Ma� Debnar, VP of eCommerceU.S. Polo Assn. (Jordache)
Our business has doubled, while the chargeback rate for our merchants has declined 500%.
John Johansen, Fraud ManagerBlueSnap
Kount provides more precise rules, which has allowed us to broaden our geographic reach by unblocking negative listed countries. That has helped spur a striking 116% increase in Total Transaction Volume.
Tim WaggGeneral Manager Customer Operations, Webjet
CONTACT KOUNT TODAY:
Kount Sales(208) [email protected]
Visit www.kount.com for additional information, including case studies, videos, white papers, and solution briefs.
