Telco‑grade risk signals for e‑commerce payments
Improve payment decisions at the exact moment risk spikes without slowing down every customer
Enrich your existing fraud engine with real-time, network-originated signals at high-risk moments such as password reset, shipping/payment method changes, and high-value checkout. Use Number Verification, SIM Swap, KYC Tenure, and (optionally) Device Reachability Status to decide whether to allow, step up, review/delay, or block without adding friction to every customer.
Why traditional controls still leave gaps
Most e‑commerce stacks already use a combination of device fingerprinting, IP intelligence, behavioral analytics, and payment-provider risk scoring. Those controls work well for many scenarios, but they can be fragile when the attacker’s playbook is account takeover rather than card testing. In takeover-driven fraud, the attacker often starts by obtaining valid credentials (credential stuffing, phishing, reused passwords), then leverages account recovery paths, changes key profile elements, and quickly completes a purchase or drains loyalty value.
The hard part is that the signals you’re typically using are either customer-controlled (self-declared data), environment-controlled (browser attributes that can be emulated), or network-adjacent (IP signals distorted by VPNs, NAT, mobile gateways). That’s why high-trust, operator-sourced signals matter: they give your decision engine a new layer of context that is not derived solely from the user’s device environment.
What “real-time fraud scoring” means here
In this solution, “real-time fraud scoring” means you run a short, deterministic set of checks right before you execute a high-risk action, and you feed the outcomes into your existing decisioning. You do not build a separate scoring universe. Instead, you add a “network signals” module to your fraud policy and make it influence the decision you already take today.
At the end of the workflow, your system should still produce one of four operational decisions that everyone understands: allow, step‑up, review/delay, or block. The value comes from improving the precision of those decisions, especially reducing false positives (unnecessary friction) and false negatives (fraud that leaks through).
How it works
When a customer triggers a high-risk action (for example, password reset completion followed by an immediate high-value checkout), your backend calls a “risk check” component. That component orchestrates Orange Network APIs and returns a small set of outcomes to your fraud engine, which then decides allow/step‑up/review/block.
Step 1 — Strengthen session-to-number confidence (Number Verification)
In mobile contexts, a recurring weakness of OTP-based approaches is that you challenge the customer but you don’t necessarily gain strong confidence that the session context is consistent with the claimed number in a way that is resistant to modern attack patterns. Number Verification is positioned as a low-friction alternative that can reduce reliance on SMS OTP loops, and it provides a network-originated verification that your policy can use at checkout and recovery moments.
Step 2 — Detect takeover pressure before irreversible actions (SIM Swap)
Account takeover often converges with SIM-based attacks or social engineering that changes the SIM state shortly before a reset, a credential change, or a payment event. SIM Swap is a high-signal check to run right before you finalize the action. If the signal indicates elevated risk, your policy can respond in a measured way: trigger stronger authentication, delay shipment or payment capture, require additional confirmation, or route the transaction to review. The key is selectivity—use SIM Swap where it matters, not as a blanket gate on every login.
Step 3 — Add a stability lens to tune thresholds (KYC Tenure)
Not every risky-looking event is fraud; a lot of friction comes from policies that are too aggressive for legitimate edge cases. KYC Tenure provides a phone-number stability signal that can help your engine separate “likely stable customer context” from “fresh or unstable context” and apply the right level of friction accordingly. In e‑commerce, this is especially useful for first purchases, first-time high-value orders, and scenarios where the customer’s account has little history but the transaction value is meaningful.
Step 4 — Make step-up work operationally (Device Reachability Status)
Even the best policy fails if the step-up challenge fails for operational reasons. Device Reachability Status helps you determine whether a device is data-connected, SMS-connected, or not connected, so you can choose the best channel for a step-up flow and avoid dead ends that frustrate customers and increase support calls.
Final — Decisioning that stays in your control
You keep your existing fraud engine and your existing payment stack. The Orange Network APIs simply provide additional signals at the moments where you must be right. Your policy decides how to interpret them, how to combine them with your own telemetry, and what operational action to take.
The Network APIs used in this solution
Number Verification strengthens confidence in the claimed number context and is positioned to reduce dependence on SMS OTP in mobile verification flows.
SIM Swap provides a high-signal indicator to support step-up decisions before sensitive actions and high-risk payment events.
KYC Tenure adds a stability signal on phone numbers to tune thresholds and reduce unnecessary friction while staying strict on risky edge cases.
Device Reachability Status improves the operational success of step-up flows by informing channel selection and fallback behavior.
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Products
SIM Swap
Verify if a SIM card is older than X days to prevent identity fraud risks.
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KYC Tenure
Check whether the lifetime tenure of a given phone number is longer than an input date provided by the customer