Payments and commerce technology company Verifone has added Visa’s Featurespace to its anti-fraud framework.

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The Featurespace platform and its adaptive machine learning models are now deployed throughout Verifone gateways, the company announced Wednesday (Nov. 4). The tool provides real-time assessments of each payment, helping merchants and payment facilitators prevent fraud, lost sales and chargebacks.

“Fraud is harder to predict than it was a decade ago,” Verifone said in a news release. “Patterns used to persist long enough for businesses to identify and respond to them. Today, AI gives more people access to advanced techniques, allowing fraud to evolve much faster.”

Verifone’s risk scoring framework examines more than 1,800 attributes of each transaction in real time, while keeping the request processing time under 100 milliseconds. With Visa’s Adaptive Behavioral Analytics, it develops a picture of what qualifies as “normal” for each merchant, card and account.

For example, a large purchase can be business as usual for one merchant but unusual for another. By looking past individual transactions, the framework finds patterns that occur only when signals are combined, and can learn from them as time goes by.

“Great payment security is invisible to the customer and unmistakable to the merchant,” said Fabian Ganster , head of global fraud and tooling at Verifone. ”Fraud is increasingly shaped by AI, so the defense has to be, too.

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