Spectrum MoneyGuard
Innovate Mobile Solutions for the payment world.
Alert customers to potential fraudulent activity and ask for their feedback
Provide Robotic Process Automation for customer interaction
Improve overall customer experience
Reduce fraud and fight scams
Provide real time Mobile Intelligence about the device clients use
Allow cardholders to control alert threshold and transactional limits
MoneyGuard adds communications abilities to your fraud and transactional systems. Allows you to eliminate unnecessary calls, provides the customer with peace of mind and a better customer experience.
Alert
Our solution allows for interactive message generation from your fraud system, your transaction switch, your core banking system or any other transactional asset
Control
Set alert thresholds and transactional limits to customer cards and allow cardholders to take immediate action
Silent Authentication+ comes with additional security measures including in-built fraud detection, making it a turnkey solution for securing user logins, payments and account recovery.
Matthew Salisbury
Co-Founder and CEO of Honey Badger
Transactional flow of the MoneyGuard system
1.
Fraud system analyses all transactions and if suspicious, it fires a rule. Fraud system sends a message to MoneyGuard with transactional data, what actions it took on the card/account, whether it was declined or placed on hold, the type of event that happened.
2.
This data is used to select the appropriate dialogue and create a message to the customer which can request for a response.
3.
Based on organisational or client preferences, the system selects a channel: SMS, in App push alert, WhatsApp, email or IVR, and requests a response.
4.
Depending on the response and the alert context, it then executes a workflow to take actions as if the client had spoken to an operator.
5.
All actions and responses are visualised in the fraud system for review. Confirmations are removed from operational queues, denials are forwarded to the respective fraud queues.
MoneyGuard makes the customer part of the fraud team instilling confidence.
Mobile Intelligence allows the financial institution to assess if the mobile device can be trusted, and does indeed still belong to the customer.
FOR DEVELOPERS
Easy API integration with our purpose-built libraries.
Authenticate users with a single API call, provide handover from desktop to mobile, and configure any additional fraud checks.
Silent Authentication+
JavaScript SDK
Silent Authentication+
Postman SDK
Silent Authentication+
iOS SDK
Silent Authentication+
Android SDK
Our Partners
ACI Fraud Management
Fiserv.
Nice Actimize
GBG Group PLC
SECURITY
The Experts providing Mobile Intelligence to enhance Fraud Protection
A comprehensive range of targeted real-time fraud protection checks on the client's mobile device focussed on reducing the risk of financial fraud and infiltration by bad actors.
Risk engine delivering over 100 real-time specialist credit and fraud risk insights. These insights can be combined with the MoneyGuard engine. E.g. allowing the stopping of a suspicious transaction, and repressing the sending of an alert or OTP to a recently SIM swapped phone.
Number porting checks
KYC & AML checks
Call forwarding active check
Detection of a live call whilst a transaction
is being submitted (Scam Signal)
Silent authentication of device
Transactional SMS aggregator services
Roaming status detection
Note: please talk to an expert to see which services are available in which markets.
Ready to get started?
Speak to one of our experts
Why JT?
A pioneer in mobile security
JT is an industry leader when it comes to the detection and prevention of mobile enabled fraud. Our fraud protection services deliver SIM Swap fraud protection into banks. Our Mobile Intelligence KYC provides unique Know Your Customer insights that deliver real-time age verification and credit worthiness checks.
Award-winning reliability
JT delivers market leading mobile operator coverage with award winning reliability. We perform billions of data transactions for our customers, providing them with access to real-time mobile network operator insights that help them lower their costs and more effectively protect their customers from the risk of financial loss.
Proven solution in interactive fraud communications
Spectrum’s MoneyGuard solution has been in use for nearly 20 years, servicing many large and small financial institutions and processors in 4 continents with over 130 million end users receiving alerts, eliminating millions of manual calls per year.