Transaction Fraud

Secure Payments with AI‑Driven Fraud Decisions

FOCAL Transaction Fraud applies AI‑driven risk scoring to every payment, transfer, wallet movement, and card authorization, giving fraud teams real‑time control over transaction‑level risk. By combining rich transaction data with device intelligence, Behavioral Biometrics and corridor context, it flags and blocks scams, mule flows, and account‑takeover spend before transactions are executed thereby protecting revenue while keeping trusted payments seamless.

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Features

Catch fraud the moment transactions turn suspicious

Advanced real-time controls that protect payments, transfers, wallets, and cards by intercepting fraudulent activity before transactions are completed.

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Real‑Time Risk Scoring

Assesses every payment, transfer, wallet movement, and card authorization in milliseconds, blending transaction attributes with device and behavioral context to return a clear risk decision.

Cross‑session profiling

Links customers, devices, accounts, cards, and beneficiaries across sessions and channels to evaluate transactions against historical patterns, spotting evasion via device or channel switches.

Anomaly Detection

Detects velocity spikes, profile changes, timing shifts, and corridor anomalies, thereby flagging bursts, low-slow scams, and engineered payments missed by rules alone.

Fraud Network Intelligence

Graphs transactions, devices, IPs, accounts, cards, and beneficiaries to expose mules, synthetics, and rings while checking against shared fraud intel like risky payees and flagged devices.

Automated Action Response

Automatically accepts, reviews, or rejects high-risk transactions in-flow with audit trail. Configurable rules and policies let fraud teams tune thresholds, device and behavior conditions, and corridor logic easily.

Case Management

Links alerts, transactions, customers, cards, devices, and beneficiaries in a single workspace, giving analysts a 360‑degree view of risk for each case.

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Benefits

Stops fraud in real-time with clear ROI

FOCAL Transaction Fraud continuously analyzes payments, transfers, wallets, and cards with device and behavioral context for explainable decisions that stop fraud before execution, without slowing trusted users.

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Reduced fraud losses
Spots risky behavior during logins and in‑app events, so account takeover, scams, and mule activity are caught before high‑risk payments occur.
Higher decision accuracy
Builds clear behavioral baselines across sessions and channels, reducing false positives and helping teams focus on alerts that truly matter.
Proactive fraud detection
Uses ML-driven anomaly detection to uncover new patterns, geo shifts, and automation-like sessions that legacy tools miss.
Visibility into hidden networks
Links behaviors, devices, IPs, and accounts to reveal mule networks, synthetic identities, and coordinated fraud rings.

Enhanced customer experience
Applies automated, risk-based actions so only anomalous sessions are reviewed or blocked, while trusted customers move seamlessly.

Faster investigations and audits
Centralizes alerts, cases, and fraud/trust markings in one workspace, enabling quicker resolution and audit-ready reporting.

Fraud We Prevent

How can FOCAL Help Your Organization

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Account Takeover Prevention
Use advanced device fingerprinting and Universal ID to recognize unknown or risky devices at login, so account takeover attempts are blocked before they reach sensitive actions.
Money Mule Detection
Build persistent mule profiles with Universal ID by linking repeat logins, device clusters, and risky device histories, helping you surface hidden mule networks behind seemingly unrelated accounts.
Rooted and Jailbroken Device Control
Continuously detect rooted, jailbroken, and tampered devices, bind them to a Universal ID, and automatically restrict logins, registrations, and payouts from these high‑risk environments.
Device Emulation and Spoofing Detection
Use Universal ID and deep device fingerprinting to identify emulators and spoofed device attributes, shutting down synthetic device farms used for fake signups, credential testing, and promo abuse.
Multi-Account Abuse Prevention
Use persistent Universal IDs to link multiple accounts controlled from the same underlying devices or device clusters, exposing duplicate profiles and bonus‑abuse rings even when IPs or cookies change.
Promo and Coupon Abuse Prevention
Link signups, redemptions, and refunds to a Universal ID so devices that repeatedly farm welcome offers and discount codes are detected early and blocked from claiming promotions again.
Related Products

Discover our complementary products to FOCAL Transaction Fraud

Behavioral Biometrics
FOCAL Behavioral Intelligence is a behavior‑driven fraud defense layer that profiles how each user truly interacts across the digital journey, from login to high‑risk in‑app actions. By combining continuous behavioral biometrics for real‑time risk profiling such as typing speed, mouse movements, and scroll patterns, with in‑app events, it surfaces emerging fraud early. This helps reduce false positives and supports seamless customer decisions.
Learn more
Device Intelligence
FOCAL Device Intelligence is a device‑centric fraud protection platform that fingerprints and scores every device with a persistent Universal ID from the moment it interacts with your platform across login, registration, and high‑risk account actions. With a persistent Universal ID, it identifies device‑based account takeover attempts, mule activity, and fraudulent journeys early, cutting false positives while keeping genuine customers’ access seamless.

Learn more
Transaction Monitoring
Monitor every transaction and safeguard your operations against money laundering risk. FOCAL’s advanced platform combines ML models, dynamic rules engine, and built-in Agentic AI for comprehensive transaction monitoring.
Learn more
Customer Risk Scoring
FOCAL offers accurate, customizable risk scoring that aligns with your risk appetite and continuously adapts to the evolving customer behavior.

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FAQ’s

Frequently Asked Questions

  • What is Transaction Intelligence?

    Transaction Intelligence is FOCAL’s real‑time transaction fraud engine that scores payments, transfers, wallet moves, and card authorisations in milliseconds, combining transaction, device, and behavioral signals to stop fraud before funds are released.

  • How is this different from traditional transaction monitoring?

    Legacy monitoring often reviews transactions after the fact or in nightly batches, while Transaction Intelligence makes pre‑authorisation decisions in real time and fuses device, behavioral, and journey context with transaction data in a single decision layer.

  • What fraud types can Transaction Intelligence help prevent?

    It helps detect and block card‑not‑present fraud, account takeover payouts, mule transfers, authorized push payment scams, merchant and beneficiary fraud, and wallet abuse across instant payments, RTGS, SWIFT, wallets, and cards.

  • How does Transaction Intelligence make decisions so quickly?

    Every transaction is evaluated by ML models, configurable rules, velocity checks, and fraud‑network markers, returning an approve, hold, or block outcome in under 100 milliseconds before money moves or a card authorisation completes.

  • How does it work with device and behavioral intelligence?

    Transaction Intelligence ingests device reputation and behavioral risk scores alongside transaction details, using them as signals in the same engine so one suspicious login, device, or session can influence decisions across subsequent payments and transfers.

  • Will Transaction Intelligence slow down genuine payments?

    No. The decisioning runs in under 100 milliseconds and is designed for instant rails, so trusted transactions flow straight through while only genuinely high‑risk payments are held or blocked for review.

    • Stop Fraudulent Transactions with Real-Time Intelligence

    Discover how FOCAL Transaction Fraud analyzes device, behavioral, and payment signals on every transaction to block high‑risk payments instantly, reduce fraud losses, and give investigators clear, explainable context for faster decisions.

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