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ATA has partnered with ClearSale, a global pioneer and proven leader in eCommerce fraud protection solutions, chargeback protection guarantee for ecommerce merchants. Its fraud detection software combines machine learning with human interaction.
FAQ
What is fraud prevention?
Fraud prevention is the implementation of a strategy to detect fraudulent transactions or banking actions and prevent these actions from causing financial and reputational damage to the customer and financial institution (FI). As the online and mobile banking channels becomes more popular and FIs continue to digitize, a strong fraud prevention strategy is only going to become more important.
Fraud Prevention vs. Fraud Detection Solutions
Financial institutions are continuing to invest money in fraud detection and prevention to protect their customers. These are related concepts in cybersecurity, but they differ in important ways:
Fraud Prevention
Fraud prevention occurs before the fraud attempt
The goal of fraud prevention is to reduce the risk of future fraud
Fraud Detection
Fraud detection occurs during the fraud attempt
The goal of fraud detection is to mitigate fraud
Sophisticated fraud detection solutions also reduce false positives which improves the user experience and increases the productivity of fraud teams
Workflow
1. A customer places an booking request from our shopping cart page
- As soon as customer clicks on confirm button, request is being forwarded to ClearSale and they start with fraud detection process.
2. ClearSale’s A.I. technology scans the booking request
- Their proven, proprietary statistical algorithm scans the request to look for common fraud patterns.
- The algorithm is customized with fraud rules created specifically for travel industry, and runs on a powerful machine learning platform.
- When scanning request, ClearSale’s technology processes an extensive amount of data, including: Information contained in the request, device information, external data sources etc.
3. If the booking request is questionable, a fraud analyst manually reviews it
- Their fraud analysts are trained to look for reasons to approve your request — not decline them.
- They know how to see beyond the algorithms and capture details that computers can not.
- Analysts are assigned to review requests based on several factors, including the industry, language, your risk profile, and the analysts's moving average performance levels.
- If the analyst determines the request is legitimate, it is immediately approved.
- If the evidence suggests the order might be fraudulent, the request is immediately sent for a second manual review for verification.
4. If the first manual review suggests fraud, a second analyst validates the fraud finding
The second analyst will review the existing evidence but will also attempt to seek out new information.
- This might include contacting your customer directly.
- If the second analyst determines the order is legitimate, the order is immediately approved.
- If the second analyst is still unable to validate the order, ONLY THEN is the order declined.
- This balanced approach ensures every good order is approved and every fraudulent order is declined.
Thanks to this unique fraud detection system, ClearSale gives you the highest approval rates and lowest false positive rates in the industry.
What will it show?
After we get order status from ClearSale, we're saving that response message as a remark in the PNR so you can check it any time. Also, that response is being saved in our database and it can be retrieved any time. This response contains reference number and a message. Below you can find example of remarks when request is sent to manual analysis.
Fraud Detection Outcomes
Below is the list of message you will able to see after ClearSale is done with fraud detection. Each one gives you enough information about fraud detection outcome:
- "Order Approved - The order was approved according to the rules defined.",
- "Under ClearSale Manual Review - the order was sent to manual analysis queue.",
- "New Order - The order was imported successfully and was not yet classified."
- "Confirmed Fraud – The order was denied."
If order is not automatically approved, and sent to manual analysis, the booking process will still proceed and you're going to be notified via email after ClearSale is done with fraud detection. After the manual analys is finished, order status is sent back to us. We're then updating remarks in the PNR and forwarding that status to agency email you’ve provided to us. After that, if ClearSale detected some fraud attempt, it's up to you what you want to do with that order (cancel PNR or not).
Please find example of that e-mail below.

ATA
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Markham, ON, L3R 0N3
1.888.815.8825 | 905.886.3838
www.atatechnology.com