Fractals – Digital Payment Fraud Prevention

Real-time fraud prevention and protection for payment and digital channels

Fractals, the enterprise fraud detection and prevention solution from NCR fraud solution gives you enterprise fraud detection and end-to end fraud competencies across all channels, all accounts and all payment types from a single portal.

With Fractals you can protect transactions across any channel and it tackles any type of transactional fraud, giving you protection against established, developing and emerging fraud types. Fractals gives you multi-organization, multi-hierarchy, multi-channel, and multi-currency fraud prevention and detection. When integrated with your payment engine, it provides accurate, real-time, in-flight, blocking of fraud early in the payment cycle to stop fraud in its tracks, minimize losses, and give your customers a seamless experience.


  • Gain quicker ROI as a result of a simplified implementation
  • Lower your Fraud Program Total Cost of Ownership–Efficient deployment and Integrations due to web-service capable solution suite
  • Minimize false positives to maintain strong customer relationships
  • Create tailored, granular and targeted risk management strategies and scores
  • Generate cost savings and economies of scale from a single, scalable, automated solution
  • Use your fraud analysts’ time effectively to handle alert management, customer service, strategy development, trend analysis or business intelligence

Logical Protection Solutions

The rise of Logical attacks on ATMshave rapidly increased and pose a material risk. NCR approach to this attack vector is to recommend solutions and strategies that will mitigate the risk of any malware, ransomware or unauthorized files from being loaded or executed on the ATM. This requires a series of actions in order to align with NCR’s recommended strategy — Defense in Depth.


  • Solidcore Suite for APTRA – market leading whitelisting solution optimized for ATM use NCR Secure Hard Disk Encryption – provides protection for the insertion on unauthorized files on the ATM hard disk drive
  • NCR Secure Remote BIOS update – allows for remote distribution of BIOS settings and password protection
  • Security for APTRA – ATMs configured and implemented with NCR’s Security for APTRA recommendations are locked down against the risks in today’s environment, whether from a criminal at the ATM or through a network based attacks

Secure BIOS Management

NCR’s Secure BIOS Management service provides a first layer of protection against unauthorized booting and access to ATM hard disk. This service remotely locks down the Basic Input Output System (BIOS) firmware on the ATM by applying a password and disabling booting from external devices.

This service also periodically refreshes the BIOS password to ensure it remains secure. NCRs remote push enables no touch password implementation and maintenance, saving time and effort of your existing IT staff. It also provides significant cost savings over manual tech updates, preventing risk of errors and sharing of passwords.

NCR’s Secure BIOS Management service provides the following key benefits:

  • Secures BIOS with a password and updates it periodically
  • Remote technology enables no-touch password implementation and maintenance
  • Prevents booting from external device, a critical defense
  • Significant cost savings vs on-site BIOS lock down by a technician
  • Prevents manual errors and sharing of passwords

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