Fraud Prevention

3/31/2009

Neural network technology protects your VISA debit and credit cards and helps prevent fraud

HAPO uses patented neural network technology to track your VISA card usage trends and identify uncharacteristic activity to keep your VISA card safe. We assess both signature and PIN based transactions, including ATM and point-of-sale activity so you get coverage on all your VISA card transactions.

Our neural network examines:

• Transaction characteristics
• Industry patterns
• Your cardholder history
• Merchant data

Each VISA card transaction you conduct is evaluated based on the degree of probability it is fraudulent. If a transaction seems suspicious, we can take action such as notifying you. As new data on fraud is collected, we incorporate that data into our ongoing analyses, giving you the benefit of the latest knowledge on fraud trends that might affect you.

If you notice any activity in your account that you did not authorize, please contact us.