Card Not Present Collateral

Identity and Location Verification for Card Not Present (CNP) Fraud Prevention

LocationSmart® provides the trusted mobile device location verification, presence detection and identity verification that optimizes your financial services security. Use reliable network-initiated cross-carrier location to assist with transaction verification for e-commerce and m-commerce card not present (CNP) transactions. When traditional fraud methods are not available due to the card not present nature of online and mobile transactions, the fact that the consumer most likely always has their phone in hand is a huge benefit.

According to Javelin Strategy & Research, card not present (CNP) fraud is now 81 percent more likely than point of sale fraud and it still represents one of the largest categories of losses for merchants. Using multi-source and network-initiated location of the user’s device ensures trusted results. In the event that an account is already compromised, using secure location data for post-transaction review provides cost savings and increases processing accuracy. Incorporate location insights into fraud prevention and risk management algorithms for enhanced safeguards and optimum online shopping, e-banking and mobile transaction experiences.

LocationSmart Platform for Secure Transaction Authentication

  • CNP transactions are amongst the fastest growing payment segments. The combination of mobile device location and IP location provides a strong form of authentication and protection for merchants.
  • Online & mobile purchases require rapid response times. Having cached and historical location details readily accessible is a key element of fraud risk analysis.
  • Post-transaction location insights are beneficial in identifying transaction patterns affiliated with stolen cards.
  • Compare where the transaction initiated from versus mobile subscriber account and billing details and the location of the user’s actual phone for m-commerce and mobile banking.

Real-Time Benefits of Choosing LocationSmart

Whether geolocating mobile devices for CNP transaction verification or reviewing suspect fraudulent cases, LocationSmart enhances financial services security measures and increases consumer confidence.

  • Reduce transaction and credit card fraud
  • Detect, where a user's mobile device is in comparison to billing details and actual transaction, initiated
  • Provide real-time and historical data analytics to feed transaction risk model
  • Establish Smart Zones around consumer's home areas and receive real-time alerts when they are legitimately traveling
  • Bolster cardholder confidence in CNP transactions by adding mobile location verification as a standard part of their account profile
  • Enhance existing fraud prevention methods with additional levels of security
  • Reassure members that you are taking proactive measures to best safeguard their identity and transactions
  • Communicate suspicious activities via SMS or IVR for real-time intervention

Features of LocationSmart's Location-as-a-Service (LaaS) Platform

Put LocationSmart to work for your business and recognize the benefits of integrating location intelligence into your financial services.

  • Secure cross-carrier access to mobile and landline device location
  • Account, subscriber and device details
  • Roaming device insights
  • Smart Zone triggers to determine if devices are in, out or at a specified area
  • Presence detection for indoor location
  • Establish events, triggers and alerts
  • Two-way messaging for geo-targeted communications
  • Comprehensive multi-modal privacy controls via SMS or IVR
  • Geo-coding and reverse geo-coding
  • Points of interest and contextual data
  • Onboarding and carrier certification
  • High-availability system and 24x7x365 support


LocationSmart helps financial companies, merchants and intermediaries provide superior fraud management and transaction verification to enhance customer confidence and satisfaction. Assisting financial service companies with multi- factor location transaction authorization helps banks and merchants save significant time and money.

To download a PDF of this valuable CNP information, please click the button below. 


The Most Trusted Location-as-a-Service

LocationSmart helps businesses locate connected devices, anywhere in the world.