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Technology

LIKE NO OTHER
HYBRIGHT - EASY DECISIONS FOR RISK & FRAUD MANAGEMENT

Technology that inspires: Intelligent risk and fraud detection in real time. Stronger sales, higher customer satisfaction, and smoother processes.

HYBRIGHT Prevent Online Fraud
WHY CHOOSE ONE
WHEN YOU CAN HAVE EVERYTHING?

RISK & FRAUD PROTECTION

Why is a combined view of risk and fraud aspects paramount?
Risks, such as payment default, can be assessed at best by verifying the identity and checking existing payment histories.
Conversely, fraudsters usually misuse good and inconspicuous identities to avoid classic risk assessments. Therefore, looking at purely physical data such as address, name or date of birth cannot effectively and sufficiently prevent fraud.
CRIFBÜRGEL looks far beyond the physical data of a person and includes digital information such as usage data, movement data, and behavioural data in the analysis.
HYBRIGHT offers you a combined and comprehensive view of risk and fraud aspects to both minimise classic risks and prevent fraud at an early stage.

HYBRIGHT Decision Engine
THE BEST FROM
HUMANS & MACHINES

CRIFBÜRGEL HYBRID DECISION ENGINE

Simply unique: The Decision Engine is the heart of HYBRIGHT and combines machine learning algorithms with rule-based processes in a hybrid approach. It ensures custom, real time decisions while retaining full control over your key figures, helping you tweak the process at any time to meet your needs.
Within only milliseconds, the engine analyses highly complex regulations, taking into account all available data. Positive and negative information from millions of transactions flow into the risk and fraud pattern detection. With intelligent decision logic, you can apply various risk and fraud tools using customer-specific rules.

HYBRIGHT User Cockpit
THE OPERATION THAT ADAPTS TO YOU
- NOT THE OTHER WAY AROUND.

USER COCKPIT

Our innovative and individually adaptable dashboard prepares your most important key figures in real time and offers the best possible management options using facts. Monitoring transactions and fine-tuning individual rules are simple and intuitive. The transparent presentation of fraudulent transactions allows for the quick and cost-effective processing of clarification cases. From the automatic checking of blacklists to smart filter options and integrated Google Maps search, to the straightforward integration of your customer data, our cockpit offers a comprehensive overview and holistic control.

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HYBRIGHT

Fraud prevention and risk management in the age of digital change and big data.

CRIFBÜRGEL SOLUTIONS IN THE RISK & FRAUD PREVENTION AREA

OUR SOLUTIONS FOR YOUR SECURITY

CreditCheck ONE

CreditCheck ONE

The CreditCheck ONE evaluates the creditworthiness and carries out a risk assessment of private individuals and companies.

Identity Fraud Check

Identity Fraud Check verifies the identity and address data of your customers.

Payment Fraud Check

Payment Fraud Check verifies the consistency of bank data as well as IP geolocation and device irregularities.

Digital Identity Check

Digital Identity Check

Digital Identity Check verifies the devices and digital identities of your customers.

Account Protector

Account Protector

Account Protector shelters valuable customers and their accounts from targeted attacks.

FPI Assistant

FPI Assistant

With our Fraud Prevention Intelligent Assistant, you always have control over your KPIs. Monitoring transactions and fine-tuning individual rules is simple and intuitive. The transparent presentation of fraudulent transactions allows for the quick and cost-effective processing of clarification cases.

HYBRIGHT

PROTECTS FROM ALL TYPES OF FRAUD

Fraudsters come up with increasingly complex fraud patterns using the latest technologies. With HYBRIGHT, you ward off fraudsters early and protect your sales and your customers.

Types of fraud

IDENTITY THEFT

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Types of fraud

IDENTITY THEFT

Fraudsters use stolen identities or parts thereof on various fraud attempts.

Types of fraud

Payment Fraud

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Types of fraud

Payment Fraud

Use of fake or stolen payment information such as credit cards, bank accounts, PayPal, etc.

Types of fraud

Friendly Fraud

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Types of fraud

Friendly Fraud

Customers deny (mostly on purpose) that they ordered or received the goods, or state that they have been the victim of a fraud.

Types of fraud

Account Takeover

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Types of fraud

Account Takeover

Fraudsters attempt to gain access to the victim's account with stolen login data or via malware.

Types of fraud

Triangulation Fraud

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Types of fraud

Triangulation Fraud

Fraudsters sell goods on auction platforms or marketplaces that, firstly, they do not yet own and secondly, have paid for with stolen credit cards.

Types of fraud

Phishing/Scamming/Threats

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Types of fraud

Phishing/Scamming/Threats

These methods are usually the starting point for fraud, as they are used to obtain identities or payment information and to misuse them for fraudulent actions.

WHY HYBRIGHT?

3 GOOD REASONS
FOR YOUR CRIFBÜRGEL RISK AND FRAUD PREVENTION SOLUTION

HYBRIGHT Identity Check
01

BEST DATABASE

HYBRIGHT integrates identity profiles holistically and thus reveals the important connections and patterns for the early detection of risks and fraud attempts. Our data universe therefore comprises three dimensions: information breadth, depth, and variability.
The breadth of information leads to complete coverage of all relevant actions in the life cycle of a customer: from account creation to interactions and payment behaviour, you will get to know your customers' habits extensively.

With the depth of information in our data universe, we offer the most extensive data possible for individual campaigns, such as email addresses, device information, geolocations, payment and identity data. By observing information variability, we supplement these static data and change the profile process to identify patterns and corresponding deviations. With this three-dimensional database, we are ideally equipped to protect your sales.

HYBRIGHT Technology
02

BEST TECHNOLOGY BASE

Databases are indeed necessary. But it is only our intelligent data containers that bring them to life and enable data modulation and preparation that is appropriate for the situation.
Databases are indeed necessary. But it is only our intelligent data containers that bring them to life and enable data modulation and preparation that is appropriate for the situation.

Regardless of whether you already operate your own risk and fraud prevention solutions, use competing products, or are about to get started. Our integration options range from directly usable solutions to individually integrable APIs.

HYBRIGHT Consulting and Support
03

BEST ADVICE & SUPPORT

CRIFBÜRGEL offers an extensive portfolio of risk and fraud prevention products. Together, we determine the right product mix for your individually tailored solution package. From the turnkey cockpit to the individual connection via API, everything is possible to ensure that HYBRIGHT is optimally integrated into your existing processes.
Do you have special requirements concerning information or processes? Our configuration and customisation options are extremely granular and flexible.

Our team provides support in meeting individual requirements, preventing pitfalls and implementing best practice solutions together with you. Alongside the solution, we offer you a balanced mix of advice, training and support.

Technological partnerships

THE STRENGTH OF A NETWORK

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CRIFBUGEL 130 years of risk and fraud prevention

MORE THAN 130 YEARS OF RISK AND FRAUD PREVENTION

CRIFBÜRGEL is one of the leading providers of credit and creditworthiness information about companies and consumers in Germany. CRIFBÜRGEL offers comprehensive solutions in credit risk management, fraud prevention, and B2B and B2C address inquiries.

The company has outstanding expertise, particularly in the banking/financial services, e-commerce, payment services, energy supply and telecommunications sectors. We also focus on digitisation and automation on solutions for digital onboarding, document capture, XS2A, video identification and SaaS. Moreover, CRIFBÜRGEL boasts ample experience with the nationwide active research of economic information, as well as the operation of the cross-industry payment experience pool Deutscher Debitoren Monitor (German Debtors Monitor). In addition, CRIFBÜRGEL offers tailor-made data and marketing solutions for address management.

LEARN MORE NOW & REQUEST A DEMO

Our experts will answer your questions and advise you on individual requirements.

HYBRIGHT Contact