RiskFort: First Line of Defense

Criminals have moved beyond the consumer targets of banking and credit cards by focusing efforts to harvest valuable financial data and company confidential information.  How do enterprises detect and block fraudulent action before loss occurs, without affecting legitimate online and remote access users including employees, partners, and customers? Most anti-fraud countermeasures require extra user actions that create a negative user experience, encourage "work-arounds" and erode security.

RiskFort: Risk-Based Authentication
Arcot RiskFort™ provides the first line of defense beyond username/password verification by providing enterprises with a customer-identity management solution. RiskFort blocks fraud in real-time, without customer interaction, and affects only users whose behavior does not match their personal profile, historical data or company policies.

Careful measurement
RiskFort measures the fraudulent potential of each online access or transaction by automatically examining a range of data. A risk score is calculated by comparing the contextual information with historical data and statistical analysis to identify irregular activity.  Enterprises have complete flexibility to determine the response to the score based on their policies and risk tolerance.

RiskFort uses the risk score and business rules to approve or decline transactions, ask for more authentications or alert customer service or the help desk. It integrates quickly with any application so enterprises do not have to re-engineer any business process.

Blocks high risk transactions
RiskFort prevents fraud losses by blocking high-risk transactions by asking for more authentications during unusual transactions. Using RiskFort's customizable rules engine, enterprises can configure it to match their business practices and risk tolerance, rather than changing their operations to fit the security tool.

Investment protection
In addition, RiskFort protects an organization's current infrastructure investment. Using an API, enterprises can easily integrate it with any Internet-facing application. It enables them to add real-time fraud detection quickly and easily to their business processes and applications. It also integrates with WebFort, Arcot's 100 percent software, PKI-based strong authentication solution.

Government compliance
Arcot customers are also using RiskFort to meet a number of government and industry regulations for protecting access to data, including FFIEC, HIPAA, and SOX.

For banking and enterprise identity management applications, Arcot RiskFort is the first line of defense, preventing fraud without hindering the user experience. For further information about Arcot's software-based security solutions, contact Arcot at 408-969-6100 or visit www.arcot.com.