Beanstream offers a variety authentication and risk mitigation services.
These services may be integrated as part of a payment processing
solution, or used seperately through an ease to use web interface.
Information can be used to validate credit card orders or screen
applications submitted by consumers. The services are easy to use
and can be customized to suit your specific business requirements.
QuickMatch
Quickmatch is a validation
tool to verify the name and address of Canadian credit
card holders by matching the
information provided against the owners credit file. The entire
validation process takes between 5-10 seconds and provides a high
level confidence in accepting card not present credit card
orders. QuickMatch information can be used to validate a shipping
address, confirm that you are dealing with the authorized owner of a
credit card, and verify the data on your consumer applications to
ensure the correct information is entered.
SafeScan
Safescan is a warning system that
detects potential fraud by spotting irregularities associated with
Canadian names, addresses, social insurance numbers, and telephone
numbers. SafeScan can identify telephone numbers that have been
reported misused, or that belong to cellular or public pay phones.
Social insurance numbers that have been reported retired or misused
and addresses that belong to mail drops, post offices, prison
addresses and high risk postal codes will also be identified.
SafeScan
ID
Safescan ID combines the features of
QuickMatch and Safescan with Infodirect's comprehensive residential
and business telephone directory. SafeScan ID checks the Canadian
cardholder's name, address and telephone number against the listed
telephone number. If this information does not match, a warning will
be issued.
eIDCompare
eIDCompare combines
the features of QuickMatch and Safescan ID with credit scoring
features. eIDCompare provides an overall score based on
the accuracy of the information provided by the consumer and
the risk tolerances that Beanstream has developed with the
merchant. eIDCompare is available to merchants wishing to
authenticate both Canadian and U.K. consumers.
eIDVerify
eIDVerify is currently our highest level of
identity authentication offered and combines the features of
QuickMatch and Safescan ID with an interactive questionnaire based
on information that would normally be contained "out of wallet". The
purpose of an "out of wallet" question is to prevent an individual
who may have stolen a wallet or obtained information from a
compromised database from accurately responding to an authentication
check. The assumption is that questions about student loans,
car loans, and/or mortgages could only be answered by the person who
actually possessed that knowledge and not a thief. eIDVerify is
available to merchants wishing to authenticate both Canadian
and U.K. consumers.
For a technical description of
the Quickmatch, Safescan, and eIDverify suite of services
click
here .
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