In today’s fast-paced digital economy, payment fraud poses a growing threat to businesses. Merchants face the dual challenge of securing transactions while delivering a seamless customer experience. At Hello Clever, we address this challenge head-on with our state-of-the-art fraud intelligence framework. By combining cutting-edge machine learning (ML) and advanced authentication protocols, we empower businesses to grow with confidence, offering their customers a secure and frictionless payment journey.

How Hello Clever Keeps Fraud at Bay

At the heart of our fraud prevention strategy is a powerful, real-time ML-powered infrastructure designed to detect suspicious activity in milliseconds. This smart system works quietly in the background, so your customers won’t notice a thing—except how easy it is to pay securely.

Here’s what makes our system special:

Built for Payments, Powered by AI

Our fraud detection models are purpose-built for the unique demands of digital payments. Using transaction metadata, behavioural patterns, device fingerprints, and geolocation signals, we flag high-risk transactions seamlessly – leveraging purpose-built Gradient Boosted Decision Trees to keep the process smooth and secure.

Key Features Include:

• Dynamic Data Insights: Tracks transaction patterns like purchase frequency and time of day to spot anomalies.
• Advanced Device Profiling: Detecting anomalies with hardware and software fingerprinting.
• Geolocation Integration: Real-time fraud validation using GPS and IP data.

Extra Protection with 3D Secure 2

We’ve added another layer of defence with 3D Secure 2 (3DS2), an advanced authentication protocol designed to keep your transactions safe.

Here’s how it works:

• Low-Risk Transactions: Customers sail through without interruptions.
• High-Risk Transactions: Triggers checks like biometrics or one-time passwords.

This approach keeps fraud out and ensures compliance with local and international regulations, such as PSD2 Strong Customer Authentication (SCA), all while keeping the customer experience smooth.

Evolving with Adaptive Learning

Fraud never stays the same, and neither do we. Our ML models learn and evolve through continuous updates. Here’s how we stay ahead of the game:

• Updating Models in Real-Time: Models adjust as new data comes in, ensuring they stay effective against emerging threats through batch processing and feature store.
• Rigorous Testing: Using A/B testing and champion-challenger evaluations to ensure the most effective models are deployed.
• Feedback Loops: Integrating real-world data to refine fraud detection accuracy.

It’s a future-proof system designed to evolve alongside fraud tactics.

Enhanced Collaboration Across the Ecosystem

Through deep integration with payment systems and global card networks, Hello Clever uses a wealth of data to refine fraud detection. This collaborative intelligence reduces false positives and enhances detection accuracy, no matter your business size or industry.

What’s Next? The Future of Fraud Detection

As part of our experimental roadmap, Hello Clever is reimagining fraud protection through advanced AI architectures. Our vision represents a shift from conventional detection methods to more sophisticated, proactive defence mechanisms that adapt and evolve with emerging threats.

Here’s a preview of what’s on the horizon:

Mapping Connections with Graph Neural Networks (GNNs)

GNNs are game-changers for detecting coordinated fraud. We’re developing systems that will analyse how accounts, devices, and transactions connect to each other over time. This experimental approach aims to spot coordinated fraud attempts, even when each individual transaction looks normal on its own. By analysing these connections, we expect to identify entire fraud networks and stop them before they can cause significant damage. The system will be designed to continuously learn from new patterns, making it increasingly difficult for fraudsters to hide their activities.

Detecting the Unexpected with Unsupervised Learning

New fraud patterns need new tools. Our research includes:

• Autoencoders: Spotting irregularities by understanding what “normal” looks like.
• Isolation Forests: Identifying outliers in transaction data.

These techniques don’t just find known fraud—they detect suspicious activity that’s entirely new. Together, these unsupervised approaches add a powerful new dimension to our detection capabilities.

Smarter Decisions with Reinforcement Learning

We’re also exploring reinforcement learning to optimise fraud detection strategies. By framing fraud detection as a dynamic decision-making problem, our reinforcement learning agents learn to optimise their strategies through continuous interaction with real transaction data. These agents are uniquely powerful because they learn to balance competing objectives in real-time – maximising fraud prevention while minimising false positives and maintaining efficient transaction processing.

This approach means our system can intelligently adjust its risk thresholds based on emerging patterns and contextual factors, rather than relying on predetermined rules. The reinforcement learning framework enables our system to learn from both successes and failures, continuously refining its decision-making process to stay ahead of evolving fraud tactics.

Enhanced Collaboration Across the Ecosystem

Last but not least, we are strongly committed to leveraging partnerships further to augment our fraud detection technologies. By integrating third-party tools and datasets, our commitment to you is that our fraud intelligence module will continuously refine its predictive accuracy and reliability.

Why Fraud Detection Matters

Fraud detection isn’t just about preventing losses—it’s about building trust. With fewer disputes, higher approval rates, and a smoother customer experience, businesses can focus on what they do best: growing.

At Hello Clever, our vision is to create a payment ecosystem that’s secure, seamless, and scalable. With our proactive approach, we empower businesses to thrive in a digital-first world.

Take the First Step Today

Ready to protect your business with cutting-edge AI fraud detection? Explore Hello Clever’s advanced tools and experience the confidence of secure payments.

Get in touch with us today https://helloclever.co/get-in-touch