Transaction Verification Speed<\/strong><\/p>\nSIGNIFYD uses multiple data sources to determine best decision for fraud protection. In addition to social graphs, they use risk indicators such as device fingerprint, customer history, IP-geo location data, cross merchant blacklists, transaction velocity and public records. The data system quickly scans these risk indicators and then concludes whether a transaction is \u2018good\u2019 or \u2018bad.\u2019<\/p>\n
The client company can see SIGNIFYD recommendation, in addition to a detailed case summary to better inform the ultimate decision. Furthermore, you are able to set up alerts so you can quickly determine risky transactions.<\/p>\n
Guaranteed Payments<\/strong><\/p>\nWhile the SIGNIFYD service offers the client company real-time information to make a better informed decisions about a transaction, they also offer a guaranteed payment option. If a transaction gets a chargeback, SIGNIFYD will cover 100% of the guaranteed transaction at no charge. This means the client company only pays a fee when the transaction is approved and they have 3 options for determining the level of the guaranteed payment. 1) Guarantee all transactions, essentially letting SIGNIFY handle the entire review process (for a 1% fee of the approved transaction). 2) Guarantee only international transactions (for a 2% fee). 3) Guarantee only select transactions, giving the company the most flexibility and control to decide what transactions need to be guaranteed (for a 4% fee).<\/p>\n
Future<\/strong><\/p>\nCompetitors have the ability to incorporate new layers of data onto their own technologies, therefore starting to do their own version of social graph data integration. How can SIGNIFYD differentiate after this product differentiation become mainstream?<\/p>\n","protected":false},"excerpt":{"rendered":"
SIGNIFYD is a full-service payment validation platform to help online businesses prevent payment fraud. They use data from thousands of risk indicators to determine if transactions are fraudulent. SIGNIFYD\u2019s goal is to make an impact with e-commerce companies by allowing […]<\/p>\n","protected":false},"author":18,"featured_media":2591,"comment_status":"open","ping_status":"closed","template":"","categories":[947,776,966,965],"class_list":["post-2589","hck-submission","type-hck-submission","status-publish","has-post-thumbnail","hentry","category-consumer-data","category-data-analytics","category-fraud-detection","category-social-data-graph"],"connected_submission_link":"https:\/\/d3.harvard.edu\/platform-digit\/assignment\/data-driven-value-creation-value-capture-and-operating-models\/","yoast_head":"\n
E-Commerce\u2019s Cure for Chargebacks - Digital Innovation and Transformation<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/d3.harvard.edu\/platform-digit\/submission\/e-commerces-cure-for-chargebacks\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"E-Commerce\u2019s Cure for Chargebacks - Digital Innovation and Transformation\" \/>\n<meta property=\"og:description\" content=\"SIGNIFYD is a full-service payment validation platform to help online businesses prevent payment fraud. They use data from thousands of risk indicators to determine if transactions are fraudulent. SIGNIFYD\u2019s goal is to make an impact with e-commerce companies by allowing […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/d3.harvard.edu\/platform-digit\/submission\/e-commerces-cure-for-chargebacks\/\" \/>\n<meta property=\"og:site_name\" content=\"Digital Innovation and Transformation\" \/>\n<meta property=\"article:modified_time\" content=\"2015-11-22T23:18:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/d3.harvard.edu\/platform-digit\/wp-content\/uploads\/sites\/2\/2015\/11\/D6qKu.png\" \/>\n\t<meta property=\"og:image:width\" content=\"975\" \/>\n\t<meta property=\"og:image:height\" content=\"450\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/d3.harvard.edu\\\/platform-digit\\\/submission\\\/e-commerces-cure-for-chargebacks\\\/\",\"url\":\"https:\\\/\\\/d3.harvard.edu\\\/platform-digit\\\/submission\\\/e-commerces-cure-for-chargebacks\\\/\",\"name\":\"E-Commerce\u2019s Cure for Chargebacks - Digital Innovation and Transformation\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/d3.harvard.edu\\\/platform-digit\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/d3.harvard.edu\\\/platform-digit\\\/submission\\\/e-commerces-cure-for-chargebacks\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/d3.harvard.edu\\\/platform-digit\\\/submission\\\/e-commerces-cure-for-chargebacks\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/d3.harvard.edu\\\/platform-digit\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2015\\\/11\\\/D6qKu.png\",\"datePublished\":\"2015-11-22T23:16:41+00:00\",\"dateModified\":\"2015-11-22T23:18:06+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/d3.harvard.edu\\\/platform-digit\\\/submission\\\/e-commerces-cure-for-chargebacks\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/d3.harvard.edu\\\/platform-digit\\\/submission\\\/e-commerces-cure-for-chargebacks\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/d3.harvard.edu\\\/platform-digit\\\/submission\\\/e-commerces-cure-for-chargebacks\\\/#primaryimage\",\"url\":\"https:\\\/\\\/d3.harvard.edu\\\/platform-digit\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2015\\\/11\\\/D6qKu.png\",\"contentUrl\":\"https:\\\/\\\/d3.harvard.edu\\\/platform-digit\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2015\\\/11\\\/D6qKu.png\",\"width\":975,\"height\":450},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/d3.harvard.edu\\\/platform-digit\\\/submission\\\/e-commerces-cure-for-chargebacks\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/d3.harvard.edu\\\/platform-digit\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Submissions\",\"item\":\"https:\\\/\\\/d3.harvard.edu\\\/platform-digit\\\/submission\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"E-Commerce\u2019s Cure for Chargebacks\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/d3.harvard.edu\\\/platform-digit\\\/#website\",\"url\":\"https:\\\/\\\/d3.harvard.edu\\\/platform-digit\\\/\",\"name\":\"Digital Innovation and Transformation\",\"description\":\"MBA Student Perspectives\",\"potentialAction\":[{\"@type\":\"性视界Action\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/d3.harvard.edu\\\/platform-digit\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"E-Commerce\u2019s Cure for Chargebacks - Digital Innovation and Transformation","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/d3.harvard.edu\/platform-digit\/submission\/e-commerces-cure-for-chargebacks\/","og_locale":"en_US","og_type":"article","og_title":"E-Commerce\u2019s Cure for Chargebacks - Digital Innovation and Transformation","og_description":"SIGNIFYD is a full-service payment validation platform to help online businesses prevent payment fraud. They use data from thousands of risk indicators to determine if transactions are fraudulent. SIGNIFYD\u2019s goal is to make an impact with e-commerce companies by allowing […]","og_url":"https:\/\/d3.harvard.edu\/platform-digit\/submission\/e-commerces-cure-for-chargebacks\/","og_site_name":"Digital Innovation and Transformation","article_modified_time":"2015-11-22T23:18:06+00:00","og_image":[{"width":975,"height":450,"url":"https:\/\/d3.harvard.edu\/platform-digit\/wp-content\/uploads\/sites\/2\/2015\/11\/D6qKu.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/d3.harvard.edu\/platform-digit\/submission\/e-commerces-cure-for-chargebacks\/","url":"https:\/\/d3.harvard.edu\/platform-digit\/submission\/e-commerces-cure-for-chargebacks\/","name":"E-Commerce\u2019s Cure for Chargebacks - Digital Innovation and Transformation","isPartOf":{"@id":"https:\/\/d3.harvard.edu\/platform-digit\/#website"},"primaryImageOfPage":{"@id":"https:\/\/d3.harvard.edu\/platform-digit\/submission\/e-commerces-cure-for-chargebacks\/#primaryimage"},"image":{"@id":"https:\/\/d3.harvard.edu\/platform-digit\/submission\/e-commerces-cure-for-chargebacks\/#primaryimage"},"thumbnailUrl":"https:\/\/d3.harvard.edu\/platform-digit\/wp-content\/uploads\/sites\/2\/2015\/11\/D6qKu.png","datePublished":"2015-11-22T23:16:41+00:00","dateModified":"2015-11-22T23:18:06+00:00","breadcrumb":{"@id":"https:\/\/d3.harvard.edu\/platform-digit\/submission\/e-commerces-cure-for-chargebacks\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/d3.harvard.edu\/platform-digit\/submission\/e-commerces-cure-for-chargebacks\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/d3.harvard.edu\/platform-digit\/submission\/e-commerces-cure-for-chargebacks\/#primaryimage","url":"https:\/\/d3.harvard.edu\/platform-digit\/wp-content\/uploads\/sites\/2\/2015\/11\/D6qKu.png","contentUrl":"https:\/\/d3.harvard.edu\/platform-digit\/wp-content\/uploads\/sites\/2\/2015\/11\/D6qKu.png","width":975,"height":450},{"@type":"BreadcrumbList","@id":"https:\/\/d3.harvard.edu\/platform-digit\/submission\/e-commerces-cure-for-chargebacks\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/d3.harvard.edu\/platform-digit\/"},{"@type":"ListItem","position":2,"name":"Submissions","item":"https:\/\/d3.harvard.edu\/platform-digit\/submission\/"},{"@type":"ListItem","position":3,"name":"E-Commerce\u2019s Cure for Chargebacks"}]},{"@type":"WebSite","@id":"https:\/\/d3.harvard.edu\/platform-digit\/#website","url":"https:\/\/d3.harvard.edu\/platform-digit\/","name":"Digital Innovation and Transformation","description":"MBA Student Perspectives","potentialAction":[{"@type":"性视界Action","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/d3.harvard.edu\/platform-digit\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/d3.harvard.edu\/platform-digit\/wp-json\/wp\/v2\/hck-submission\/2589","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/d3.harvard.edu\/platform-digit\/wp-json\/wp\/v2\/hck-submission"}],"about":[{"href":"https:\/\/d3.harvard.edu\/platform-digit\/wp-json\/wp\/v2\/types\/hck-submission"}],"author":[{"embeddable":true,"href":"https:\/\/d3.harvard.edu\/platform-digit\/wp-json\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/d3.harvard.edu\/platform-digit\/wp-json\/wp\/v2\/comments?post=2589"}],"version-history":[{"count":0,"href":"https:\/\/d3.harvard.edu\/platform-digit\/wp-json\/wp\/v2\/hck-submission\/2589\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/d3.harvard.edu\/platform-digit\/wp-json\/wp\/v2\/media\/2591"}],"wp:attachment":[{"href":"https:\/\/d3.harvard.edu\/platform-digit\/wp-json\/wp\/v2\/media?parent=2589"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/d3.harvard.edu\/platform-digit\/wp-json\/wp\/v2\/categories?post=2589"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
![\"Untitled](\"http:\/\/19squx2sqzlk2w3lh726rs88.wpengine.netdna-cdn.com\/wp-content\/uploads\/2015\/11\/Untitled-2-155x300.png\")
premium membership and guaranteed payment transactions, offering client companies tiered pricing. Additionally, SIGNIFYD offers a \u2018free, no-risk, 14 day trial\u2019 to get clients to try the service.<\/p>\n![\"Untitled](\"http:\/\/19squx2sqzlk2w3lh726rs88.wpengine.netdna-cdn.com\/wp-content\/uploads\/2015\/11\/Untitled-4.png\")
<\/a><\/p>\n