CreditSentry

CreditSentry is risk management software integrated within the Pay4Later online retail finance platform. Easy to deploy with a low cost per query, it's designed to help retailers and lenders identify and prevent fraudulent finance applications, at the point of sale, across all sales channels.

CreditSentry combines a powerful rules engine with the capture and analysis of detailed transaction data to reveal fraudulent credit applications.

Every finance application is examined in real time as the consumer completes the credit request form. CreditSentry can be configured to instantly reject clearly spurious applications before they are submitted to the lender. It can also passively highlight suspicious credit attempts for manual review via BackOffice. The wealth of data captured with each credit attempt simplifies this task.

Metrics include transaction value, GeoIP (the physical location of the computer used), velocity checks (number of recent credit applications and responses), previous fraud sources, high-risk postcodes, anonymous/open proxies and other sensitive information.

A 'blacklisting' feature allows retailers to easily block nuisance customers, IP's, email and postal addresses. We work closely with retailers and lenders to continually enhance CreditSentry and ensure it effectiveness.