Lusis TANGO embeds an anti-fraud service that has been successfully implemented by several large French banks for many years. This service can be provided as an independent TANGO environment application.  

​List of features:

• The capacity to integrate flows from various sources: (ISO 8583 messages, JSON Rest API, XLM, WEB services, Files, ISO 20022 messaging) and interconnect to switches using API, ISO 8583 messages, WEB services, JSON Rest API 
• A powerful rule based Boolean language and real time engine allowing Markovian antifraud processing
• A complementary authorization engine allowing non-Markovian antifraud processing
• A GUI to set up rules and monitor alerts

​Markovian real time engine works as follows:

• Risk Management activity is notified by Servers and reacts on a real-time basis
• Reactions are:
  • Create Alerts
  • Notify Blocking rules to server
  • Notify Score rules (or score modifications) to server for cards, merchants, countries…
  • Risk Management can process complementary authorization requests from the Server and answers:
    • Scoring value
    • Authorization code (refused for fraud suspicion)
• Acquire information
• Detect fraud attack or suspect behavioral
• Product:
  • alerts
  • orders to blocking service
• Three parallel services
  • Counters management and threshold crossing
    • Using an open Bool algebra
    • Operators: +, -, AND, OR, EQUAL, In list, NOT, Not in list.
    • Ex: suspected fraud in Portugal for a list of Merchant
  • Rules
    • Preconfigured or added in a rules engine
    • Ex: the same card used several times in different countries during a short period
  • Execution of Scoring / Blocking rules for transaction refusals
    • Delivers a suspicion score or a direct answer (refuse)
    • Parameterized by user or by Acquisition/detection service
    • Using memory filters for a direct quick answer
  • Exception
    • “Since only one financial transaction of a thousand is invalid, no prediction success less than 99.9% is acceptable” (R. Brause)
    • This function is there to review the result of the Scoring / Blocking in case the card (or merchant…..) belongs to a specific list or combination
    • This feature allows to by-pass Scoring / Blocking rules

As we move into a new evolutionary cycle for transactional processing, your organization may be considering all available options. While some financial services companies will choose to stay with their current vendors, you may be ready for a new approach to payments processing.

Lusis Payments and HP NonStop can design and deliver an all-new payment infrastructure that allows you to rapidly deploy new products and services, and reduce your cost. If you need to rapidly deploy new products and services—you can move your entire payment infrastructure to Lusis TANGO and HP NonStop. If you want to move off home-grown solutions that are very costly to maintain, the Lusis TANGO and HP NonStop solution is your answer.

Lusis Payments TANGO and the HP NonStop solution
This state-of-the-art technology enables you to operate more quickly and cost-effectively. By liberating the intellectual property that exists within your payment systems and sub-system, Lusis TANGO and HP NonStop remove the barriers to information access.

HP NonStop has been the de facto platform for payment processing solutions for 40 years and continues that heritage today. Improvements are made with every release, leveraging the benefits of the latest open systems technology and using standard hardware components.

​Lusis TANGO inherits all the strength of the HP NonStop platform. As the best technology combination for mission-critical, online transaction processing, Lusis TANGO and HP NonStop enable rapid development and time-to-market—leading to lower total cost of ownership (TCO) and faster return on investment (ROI). This highly-flexible solution can evolve with your changing business requirements. With easy-to-use tools, migrating your legacy system to Lusis TANGO and HP NonStop is faster and less risky.