How NCR processes and protects your transactions

By : Nora Chisnell

November 25, 2015 02:00 PM

Have you ever wondered how your financial institution processes your ATM, point of sale, online, or mobile transaction securely? Do you know how they are able to detect when your card or account is potentially being used fraudulently? Many banks, processors, payment service providers, merchants and card networks around the world use the NCR Payment Suite, consisting of Authentic and Fractals solutions, to process and safeguard your financial transactions. They are both highly configurable for ultimate flexibility in updating workflows or changing fraud alert triggers.



Authentic provides your financial institution with the following features:

  • Payment transaction processing and routing
  • The flexibility to act as a payment hub, gateway or simple single-channel processing system
  • High performance, high availability and high speed processing
  • Multi-institution, multi-currency, multi-language and multi-channel support
  • PCI PA-DSS 3.0 compliance
  • EMV support

Authentic is an intelligent transaction-processing platform designed for today’s fast-changing payments business.

It has become the payments engine of choice for issuers, acquirers, payment service providers, ISOs and merchants around the world.



Fractals is an intelligent fraud detection and prevention framework that can detect and stop a fraudulent transaction before it is completed. Proprietary mathematical models incorporate self-learning, which permits it to automatically adapt to new fraud trends. The Fractals Rules Engine enables fraud analysts to create and deploy powerful fraud detection rules within minutes, keeping your accounts safe and preventing loss.


The rules are highly configurable by a financial institution or processor, so they have the freedom to change rules to meet their customers’ behavior.


It turns out that what a customer is buying is as important as how or where that transaction is taking place, which makes sense. Think about it: if your grandmother’s credit card is used to purchase a big screen TV, an Xbox, a dozen video games and 5 pizzas within an hour, there’s a chance the transactions are not being performed by your grandmother. However, using Fractals, your bank can fine tune how rules interact with each customer to quickly stop a fraudster in their tracks, without damaging legitimate customer relationships. After all, your grandmother might just be treating you and your friends to a special occasion.


As well as monitoring financial transactions like payments and transfers, Fractals also monitors non-financial transactions, including login attempts for digital banking, changes of personal data and creation of new recipients which might indicate fraud on an account.


As we head into the holiday buying season when transactions surge, it’s good to know NCR’s Payment Suite can handle the volume and ever-changing fraud landscape.


Want to learn more about how the NCR Payment Suite securely processes your transactions? Check out this short overview.