’s fraud‑related APIs are built on a 

. The shared core data model is the foundation of the Universal 

 API uses the same core transaction structure and extends it with industry-specific data only when additional context is required. 

Many of these concepts also appear across other 

 APIs that assess fraud risk at different stages of the customer lifecycle. This shared model defines common concepts that apply regardless of industry, such as users, payments, items, devices, and locations.

The shared core ensures consistency across APIs while allowing industry‑specific extensions where needed.

The shared core typically captures information such as:

These concepts appear across all industry APIs, even though the specific fields or emphasis may vary.

Using a shared core model provides several advantages:

 — Similar concepts behave the same way across industries.

 — Integrations can share logic across multiple industry APIs.

 — Industry-specific extensions allow additional context to be supplied without changing the shared transaction model.

This approach allows you to think in terms of 

Shared Core Data Model

Industry Specialization

SCA Optimization

3DS Optimization

RiskBased Authentication (RBA)

Integration Requirements

Data and Responses

Payment Optimization

Core Concepts

repbuilder

passwordless

inrisk

passkey

gateway

deviceserver

mobile

browser

riskID

extract

profiles

index

documentationplatform

returnssolution

protectionproduct

chargebackproduct

fraudproduct

Provides mobile device identification and risk assessment via Software Development Kits (SDKs) for Android and iOS devices.

InMobile

Accertify's post-transaction product that manages the chargeback process for merchants.

Chargeback_Module

The act of a credit card company charging a merchant for goods that a merchant consumer claims they either did not purchase or did not receive. Onus is on the merchant to prove the consumer made the purchase and the merchant delivered the goods.

Chargeback

A service that lets you choose a key field (such as email address) and define the fields you want to collect alongside it to create new data points you can add to the Transaction Detail screen or write rules against.

Profile_Builder

Accertify's platform can monitor the entire fraud lifecycle, including pre-transaction, payment, and post-transaction risk.

Interceptas_Platform

platformname

Device (formerly known as InBrowser) is Accertify’s browser-based data collection solution that gathers transaction and device data from end-user browsers and transmits it to Accertify servers for risk analysis.

Device

A product that collects device attributes, user behavior data, and authentication signals via JavaScript to support risk analysis and decisioning.

Accertify_Data_Collector

A solution that pairs with Fraud Management to mitigate risk associated with claims, adjustments, refunds, returns, reshipping, and exchanges.


CARE

An Accertify product that uses the Interceptas® Data Management Platform to process transaction data and enable users to address their fraud risk.

Accertify_Fraud_Management

The Accertify Case Management feature is the user interface within the Interceptas Platform.

Case_Management

Accertify Risk ID. A cross-client consortium of positive and negative data points.

ARID

An Accertify product that streamlines all aspects of the chargeback management process from review of a client’s payment, to receiving the chargeback, and submitting a representment response

Accertify_Chargeback_Management

Accertify Chargeback Management (ACM) is our official product offering. It helps to streamline all aspects of the chargeback management process from review of a client’s payment, to receiving the chargeback and submitting a representment response. 

A historical reputational data set that produces a risk assessment between 0.000 and 1.000, with the higher probability indicating a higher risk of fraud.

Accertify_Index

A group of Accertify products that analyze device attributes, environmental signals, and behavioral patterns to support event and transactional fraud decisions.

Device_Intelligence

An Accertify product that combines continuous monitoring and machine-learning algorithms to identify risky events that occur on Client websites using the five pillars: Device, Connection, Location, Behavior, and Reputation.

Shared Core Data Model

Topic Intent

What the Shared Core Includes

Benefits of a Shared Core

Shared Core Data Model

﻿﻿﻿Topic Intent﻿﻿﻿

What the Shared Core Includes

Benefits of a Shared Core

Topic Intent