Fiserv is rolling out a fraud-detection and decisioning service for issuers from Mastercard that aims to increase the accuracy of card transactions they approve or reject based on potential fraud.

Mastercard Decision Intelligence uses artificial intelligence technology to analyze thousands of data points and modeling techniques in real time, creating a predictive score for each transaction so issuers have more information about whether or not to authorize sales, Fiserv said in a Tuesday press release.

Fiserv’s goal is to help issuers minimize false declines, which occur when legitimate card transactions are rejected for suspected fraud. These tend to discourage customers from using that card again, according to Fiserv.

After two or more false declines, Fiserv’s data suggests the number of active cards drops by an average of 20% over a six-month period following the final decline.

“False declines can damage the relationship with cardholders, so evaluating multiple factors, including information about the consumer, merchant and issuer, throughout the shopping experience can enhance that cardholder experience and approve more genuine transactions, without increasing risk,” said Patrick Davie, Fiserv’s vice president of card services, in the release.

Fiserv is the first processor to offer Decision Intelligence, which uses a dynamic model to triangulate information such as customer value segmentation, risk profiling, location, merchant, device data, time of day and type of purchase made, to generate a score issuers can apply to transactions to determine their fraud risk, according to the release.

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