Online fraud mitigation has primarily focused on verification and authentication of user IDs and passwords. But assuming confirmed information is trustworthy could prove a costly mistake for e-businesses.

There are two architectural options for additional fraud prevention: back-end application layer and front-end infrastructure layer.

Implementing application layer risk-based verification and authentication solutions is time consuming, requiring APIs and changes to existing software applications. These solutions do not kick in until after a user has been allowed entry into the website.

FMT Octopus' unique preprocessing filter quickly and easily plugs into an application server at the infrastructure layer – installing in hours and requiring no alterations to existing solutions. In addition to its verification capability, it is the only solution to offer pre-authentication security.

By accessing volumes of data unavailable to back-end solutions, it makes decisions earlier in the authorisation process. It prevents criminals from entering the application server to stop fraud before it occurs - without unnecessarily imposing on genuine customers.

FMT Octopus complements and enhances existing fraud management solutions while protecting critical infrastructure business logic.