PRODUCT

Product Descriptions


LAST UPDATED: February 28, 2024

The information below contains a list of the BioCatch offerings and a description of each. BioCatch may modify these offerings and descriptions at its discretion.

AO fraud detection with basic data support

BioCatch account opening fraud detection product provides protection for web and mobile online customer onboarding processes. The solution tracks user interactions , device and network attributes within web and mobile platforms and uses machine learning and heuristics to model both genuine users and criminal behavior to deliver an accurate risk score. The following components are included:

  • BioCatch Web and Mobile SDKs: Enable data collection from web and mobile browsers, and Android and iOS apps, respectively. Embedding the SDKs into the website/mobile application allows the behavioral parameters and device and network data to be collected and sent to BioCatch servers for user profiling and risk assessment;

  • BioCatch API: Generates calls from Subscriber’s server to BioCatch servers. At designated points in the application where a risk score is desired, a call is made to BioCatch via the API, upon which BioCatch responds with the risk score back to the Subscriber’s server; and

  • Analyst Station: Front-end component for off-line analysis of user sessions and fraud data. Allows analysts to view risky sessions, conduct queries, generate reports and more.

AO fraud detection with advanced data support

Biocatch account opening fraud detection product provides protection for web and mobile online customer onboarding processes. The solution tracks user interactions , device and network attributes within web and mobile platforms and uses machine learning and heuristics to model both genuine users and criminal behavior to deliver an accurate risk score. The following components are included:

  • BioCatch Web and Mobile SDKs: Enable data collection from web and mobile browsers, and Android and iOS apps, respectively. Embedding the SDKs into the website/mobile application allows the behavioral parameters and device and network data to be collected and sent to BioCatch servers for user profiling and risk assessment;

  • BioCatch API: Generates calls from Subscriber’s server to BioCatch servers. At designated points in the application where a risk score is desired, a call is made to BioCatch via the API, upon which BioCatch responds with the risk score back to the Subscriber’s server; and

  • Analyst Station: Front-end component for off-line analysis of user sessions and fraud data. Allows analysts to view risky sessions, conduct queries, generate reports and more.

  • Data points

  • Risk and genuine factors

  • Data sharing via Snowflake

Analysis of behavioral age of user

The BioCatch Age Analysis solution extracts physical, cognitive, and other age-related characteristics as the user naturally interacts with the account opening application. By continuously monitoring an account opening session, the BioCatch age analysis solution predicts the user’s approximate behavioral age and compares it to the declared age on the application. In the event anomalies are surfaced, the BioCatch risk score will be impacted accordingly.

Workflow features with Rule Manager and Case Manager for AO

Using the BioCatch Rule Manager, fraud teams can build rules using BioCatch insights, such as risk score and leading Indicators, in order to trigger a desired outcome with exceptional flexibility and ease. The rule manager allows to configure real-time policy, score, and alert actions. The BioCatch Rule Manager empowers organizations to mitigate risk in real time, improve customer experience, and simplify back-end fraud operations by providing the ability to configure actions based on risk level.

ATO fraud detection with basic data support

BioCatch account takeover fraud detection product provides protection for web and mobile online account applications The solution generates advanced behavioral insights to provide you with the continuous, real-time visibility you need to detect more fraud, increase trust, and improve customer experience in your digital channels. BioCatch risk models leverage innovative research and a decade of data to analyze a user’s physical and cognitive digital behavior and continuously monitor web and mobile sessions to distinguish between genuine users and criminals, whether human or automated attacks such as bots, or Remote Access Tools (RAT).By profiling user behaviors such as mouse movements, typing cadence, swipe patterns or device orientation, the BioCatch platform identifies statistically observed norms for “good” and “bad” behavior. Powered by machine learning, the platform comapres users against their historical profiles and generates a risk score. The following components are included:

  • BioCatch Web and Mobile SDKs: Enable data collection from web and mobile browsers, and Android and iOS apps, respectively. Embedding the SDKs into the website/mobile application allows the behavioral parameters and device and network data to be collected and sent to BioCatch servers for user profiling and risk assessment;

  • BioCatch API: Generates calls from Subscriber’s server to BioCatch servers. At designated points in the application where a risk score is desired, a call is made to BioCatch via the API, upon which BioCatch responds with the risk score back to the Subscriber’s server; and

  • Analyst Station: Front-end component for off-line analysis of user sessions and fraud data. Allows analysts to view risky sessions, conduct queries, generate reports and more.

Workflow features with Rule Manager for ATO

Using the BioCatch Rule Manger, fraud teams can build rules using BioCatch insights such as risk score and leading indicators in order to trigger a desired outcome with exceptional flexibility and ease. The Rule Manager allows to configure real-time policy, score, and alert actions. The BioCatch Rule Manager empowers organizations to mitigate risk in real time, improve customer experience, and simplify back-end fraud operations by providing the ability to configure actions based on risk level.

ATO fraud detection for a second channel (mobile or web)

BioCatch account takeover fraud detection product provides protection for web and mobile online account applications The solution generates advanced behavioral insights to provide you with the continuous, real-time visibility you need to detect more fraud, increase trust, and improve customer experience in your digital channels. BioCatch risk models leverage innovative research and a decade of data to analyze a user’s physical and cognitive digital behavior and continuously monitor web and mobile sessions to distinguish between genuine users and criminals, whether human or automated attacks such as bots, or Remote Access Tools (RAT).By profiling user behaviors such as mouse movements, typing cadence, swipe patterns or device orientation, the BioCatch platform identifies statistically observed norms for “good” and “bad” behavior. Powered by machine learning, the platform compares users against their historical profiles and generates a risk score. The following components are included:

  • BioCatch Web and Mobile SDKs: Enable data collection from web and mobile browsers, and Android and iOS apps, respectively. Embedding the SDKs into the website/mobile application allows the behavioral parameters and device and network data to be collected and sent to BioCatch servers for user profiling and risk assessment;

  • BioCatch API: Generates calls from Subscriber’s server to BioCatch servers. At designated points in the application where a risk score is desired, a call is made to BioCatch via the API, upon which BioCatch responds with the risk score back to the Subscriber’s server; and

  • Analyst Station: Front-end component for off-line analysis of user sessions and fraud data. Allows analysts to view risky sessions, conduct queries, generate reports and more.

Phishing Site Detection Next-Day Report

BioCatch’s Phishing Site Detection informs customers of lookalike sites intended to attack institutions and their customers. Each day the customer will obtain a report listing the phishing sites detected the previous day so that the customer can take actions to have the site taken down. Phishing Site Detection can accommodate different applications and user journeys and collect data from pages such as home pages, login pages and user/account reset pages.

Phishing Site Detection Sale Day Alerting

BioCatch’s Phishing Site Detection informs customers in real-time about the creation of lookalike sites intended to attack institutions and their customers. As these sites are identified, the solution sends a real-time alert of the phishing site so that the customer can take immediate action to have the site taken down. Phishing Site Detection can accommodate different applications and user journeys and collect data from pages such as home pages, login pages and user/account reset pages.

Victims of Phishing Sites List

The BioCatch Site Detection Victims of Phishing Sites List. Through the collection of data that can be linked to a known user, this solution sends victim reports within 24 hours indicating which customers have entered their sensitive details into the lookalike site, so that the organization can take prescriptive actions to protect their customers.

Voice Scams fraud detection with basic data support

BioCatch's voice scam fraud detection product analyzes user and device behavior in real-time to detect when an individual is conducting a transaction under the influence of a cybercriminal, helping banks to protect customers from voice social engineering scams and authorized push payment fraud. Powered by machine learning, the platform generates a voice scam risk score. The following components are included:

  • BioCatch Web and Mobile SDKs: Enable data collection from web and mobile browsers, and Android and iOS apps, respectively. Embedding the SDKs into the website/mobile application allows the behavioral parameters and device and network data to be collected and sent to BioCatch servers for user profiling and risk assessment;

  • BioCatch API: Generates calls from Subscriber’s server to BioCatch servers. At designated points in the application where a risk score is desired, a call is made to BioCatch via the API, upon which BioCatch responds with the risk score back to the Subscriber’s server; and

  • Analyst Station: Front-end component for off-line analysis of user sessions and fraud data. Allows analysts to view risky sessions, conduct queries, generate reports and more.

Voice Scams fraud detection with advanced data support

BioCatch's Voice Scam fraud detection product analyzes user and device behavior in real-time to detect when an individual is conducting a transaction under the influence of a cybercriminal, helping banks to protect customers from voice social engineering scams and authorized push payment fraud. Powered by machine learning, the platform generates a voice scam risk score. The following components are included:

  • BioCatch Web and Mobile SDKs: Enable data collection from web and mobile browsers, and Android and iOS apps, respectively. Embedding the SDKs into the website/mobile application allows the behavioral parameters and device and network data to be collected and sent to BioCatch servers for user profiling and risk assessment;

  • BioCatch API: Generates calls from Subscriber’s server to BioCatch servers. At designated points in the application where a risk score is desired, a call is made to BioCatch via the API, upon which BioCatch responds with the risk score back to the Subscriber’s server; and

  • Analyst Station: Front-end component for off-line analysis of user sessions and fraud data. Allows analysts to view risky sessions, conduct queries, generate reports and more.

  • Data points

  • Risk and genuine factors

  • Data sharing via Snowflake

Workflow features with Rule Manager and Case Manager for Voice Scams

Using the BioCatch Rule Manager, fraud teams can build rules using BioCatch insights such as risk score and leading indicators in order to trigger a desired outcome with exceptional flexibility and ease. The Rule Manager allows to configure real-time policy, score, and alert actions. The BioCatch Rule Manager empowers organizations to mitigate risk in real-time, improve customer experience, and simplify back-end fraud operations by providing the ability to configure actions based on risk level.

Voice Scams fraud detection for a second channel (mobile or web)

BioCatch's Voice Scam fraud detection product analyzes user and device behavior in real-time to detect when an individual is conducting a transaction under the influence of a cybercriminal, helping banks to protect customers from voice social engineering scams and authorized push payment fraud. Powered by machine learning, the platform generates a voice scam risk score. The following components are included:

  • BioCatch Web and Mobile SDKs: Enable data collection from web and mobile browsers, and Android and iOS apps, respectively. Embedding the SDKs into the website/mobile application allows the behavioral parameters and device and network data to be collected and sent to BioCatch servers for user profiling and risk assessment;

  • BioCatch API: Generates calls from Subscriber’s server to BioCatch servers. At designated points in the application where a risk score is desired, a call is made to BioCatch via the API, upon which BioCatch responds with the risk score back to the Subscriber’s server; and

  • Analyst Station: Front-end component for off-line analysis of user sessions and fraud data. Allows analysts to view risky sessions, conduct queries, generate reports and more.

Mule Account Detection with basic data support

BioCatch Mule Account Detection identifies mule activity within new and existing accounts to help you mitigate financial, reputational, and regulatory risk. The following components are included:

  • BioCatch Web and Mobile SDKs: Enable data collection from web and mobile browsers, and Android and iOS apps, respectively. Embedding the SDKs into the website/mobile application allows the behavioral parameters and device and network data to be collected and sent to BioCatch servers for user profiling and risk assessment;

  • BioCatch API: Generates calls from Subscriber’s server to BioCatch servers. At designated points in the application where mule account detection is desired, a call is made to BioCatch via the API, upon which BioCatch responds with whether the account in suspected to be a mule or not back to the Subscriber’s server;

Workflow features with Rule Manager for Mules

Using the BioCatch Rule Manager, fraud teams can build rules using BioCatch insights such as risk score and leading indicators in order to trigger a desired outcome with exceptional flexibility and ease. The Rule Manager allows to configure real-time policy, score, and alert actions. The BioCatch Rule Manager empowers organizations to mitigate risk in real-time, improve customer experience, and simplify back-end fraud operations by providing the ability to configure actions based on risk level.

Secure Customer Authentication with basic data support

BioCatch analyzes behavioral, device, and network attributes to conduct One-Time-Passcode (OTP) profiling and offers a layer of entry of familiar information to protect the Strong Customer Authentication flow under PSD2.

Insights Query Engine

BioCatch Data Sharing provides the ability to import data that was collected or evaluated by BioCatch from your environment for risk assessment modeling. Currently, this offering uses Snowflake’s multi-cluster shared data architecture to access your information. There are two ways to access this service offering:

  • Insights Query Engine Customer Account: Gaining access of the BioCatch shared data from your own Snowflake account, which is a feature included with Advanced Data Support for your ATO, AO, Mule Account Detection, or Social Engineering Voice Scams, or

  • Insights Query Engine Reader Account: Accessing the shared data through a BioCatch reader accounts, which requires an annual agreement with BioCatch.

Support and Professional Services

BioCatch offers two levels of support: 

  • Basic Support Services: The basic support service comes with your license and provides integration support and 24x7 technical support which is enough to get you started and realize the value of the solution.

  • Premium Support Services: Premium support services, the preferred and most comprehensive service program, optimizes your BioCatch experience and takes full advantage of the platform, best practices, and industry expertise.

For additional information on the features and requirements for Basic and Advanced Support and Professional Services, you can find a Data Sheet listing these details on the BioCatch Resources Page at www.biocatch.com.

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