eCommerce

eCommerce has evolved to become an integrated shopping process on multiple channels across stores, catalogues, the Internet, and more recently the mobile device. According to Forrester Research, mobile app revenue will hit $38 billion by 2015. Shoppers have become interested in incorporating their mobile phones into their shopping experiences, expecting to use them to find stores, research products and receive discounts, and make purchases.
 

Strengthen Fraud Protection

Most bank customers keep their cell phones close. Our technology enables you to find devices that are GPS-enabled and— using A-GPS, Hybrid A-GPS, Cell/Sector, Enhanced Cell ID, and WLS—to find devices that are not. Our technology even works indoors—where patients spend a great deal of their time.
 

Because we use network location technologies, device holders are not required to download anything for your service to find them, making it much easier to ensure that every device is properly tracked once the user opts-in.
 

After a location-aware application locates a customer’s phone, it can determine whether the phone is close to the card being used. It answers questions such as: was the same card used thousands of miles away within a short period and does this customer often shop in this store or type of store? That kind of valuable location information is then returned to fraud detection software to determine the next step.
 

In a trial test, location-based applications reduced credit card fraud by five to ten percent. Not only that, location information also reduced the incident of false positives from one in ten to one in forty, freeing you to concentrate on real security risks instead of false ones.
 

Make your cards safer to use than ever before with location as a fraud detection tool. The kind of security that makes both you and your cardholders happier.
 

Verify Identity

Location-based applications are used to verify identity for airport customers checking in using their cell phones in some airports.
 

Increase Customer Loyalty

Cardholders care about security, privacy, and convenience.
 

• Security. According to a Unisys survey, adults’ number one concern in the global recession is card fraud and identity theft, beating out concerns about health or national security.
• Privacy. Cardholders want to know that their data is safe and handled appropriately. Our patented Privacy Framework surpasses all industry requirements.
• Convenience. Customers do not want to add anything to their to-do lists. With our technology, activation requires no extra steps. They do not even need to download a new application. As soon as they opt-in, it just works.

We have all your customers covered.

We provide tiered location data—letting you find a device within a range of your choosing, such as five kilometers, five hundred meters, or a few meters.
 

Sample Use Cases

Location-aware applications can add an extra layer of security to eCommerce. Verifying location has many benefits, including the following:
 

• Fraud detection. Knowing where a customer’s phone is helps you to determine if a credit card is being used fraudulently. If the customer’s phone is in New York, but the card is making charges in Australia, perhaps further verification is warranted. VISA Europe has announced it is developing such an application.
• Coupons. Users can find out about sales or receive coupons as they near their favorite stores.