The uComm Global Virtual Hub offers a wide range of unique powerful tools and features that allow customers to monitor and react to site activity to drive transaction volume, maximize order values, and speed up the sales process. With real-time site surveillance, merchants can set up automated programs to capture and convert VIP customers. In addition to the built-in features listed below, the vHub integrates with and feeds email, SMS messaging, CRM, mobile marketing, search engine marketing, and marketing automation programs, as well as display ad networks. The uComm Global Virtual Hub provides real-time, near real-time, and historical data views.
uComm Advanced Analytics & Intelligence
The uComm Global Virtual Hub enables customers to monitor, measure, correlate and analyze data from all online and mobile commerce channels to optimize customer engagement, conversion, and revenue generation.
uComm Transaction Gateway & Management
The uComm Global Virtual Hub is at the forefront of protecting merchants and merchant acquirers against financial loss through targeted insurance offerings. The core of the uComm Global Virtual Hub is the uComm Transaction Gateway & Management which integrates and automates management of global transactions to improve day-to-day workflows for merchants and acquirers to minimize manual and redundant operations. The vHub incorporates proven, reliable security measures for global card-not-present (CNP) transactions to reduce fraud and comply with industry standards and features:
Additional capabilities include: customer scoring and virtual terminal. See definitions below for more detail.
uComm eLocation & Identification
In addition to the security and risk management features that protect transactions running through the gateway, the uComm vHub adds additional layers of security, utilizing:
- Mobile location verification (using cell towers)
- Identity verification
- IP verification
Collectively, these additional measures help merchants, merchant acquirers, and financial institutions to:
- Reduce risk of fraud, spam, and other undesirable online behaviors
- Achieve 2010 PACT Act compliance for all tobacco and e-cigarette sales and distribution
- Effectively separate adult content from minors
- Screen for registered sex offenders, PEP, and watch lists
uComm Insurance
uComm’s Transaction Gateway & Management is at the forefront of protecting merchants, merchant acquirers, and processors from financial loss through targeted insurance offerings specifically designed to address our customers’ needs. Through our platform, merchants and processors can enjoy the same protection against credit card loss that banks and financial institutions routinely provide to consumers. Chartis Insurance, an “A” rated company (formerly a division of AIG), has developed a number of proprietary insurance products created for uComm. Our insurance programs include financial protection against losses, penalties, and remediation costs due to:
- Chargeback insurance
- Data breach insurance
- Fraud insurance
- HIPAA insurance
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uComm Global vHub Definitions
Auto-Fulfillment / System Integration – One of the most unique and powerful features of uComm Transaction Gateway & Management is its ability to send data out to other systems involved in the transaction – including fulfillment, warehouse, and inventory systems. This creates a transaction processing system that is managed, not by the merchant, but by uComm Global Virtual Hub. This feature relieves the merchant from having to manage the flow of data and provides a clear line of demarcation for PCI 2.0 compliance. Appropriate transaction data is automatically routed to fulfillment centers, accelerating the merchandise delivery and shortening the payment time to merchants.
AVS Monitoring – uComm Transaction Gateway & Management enables the merchant acquirer to monitor address verification enforcement through the Address Verification System (AVS). This adds another layer of security for card-not-present (CNP) transactions.
Chargeback insurance – uComm Insurance offers merchants and acquirers insurance against loss due to chargebacks from transactions disputed by consumers. This is especially important for businesses such as gaming where buyers are more likely to deny legitimate transactions, and travel agencies and live events where there are long periods between purchase and fulfillment.
Collect data across all online commerce channels – uComm Advanced Analytics and Intelligence enables merchants to collect front-end (visits, page views, etc.) and back-end (transaction) data from all online commerce channels—web, mobile and social.
Continually-refreshed fraud database – The uComm Global Virtual Hub maintains a proprietary database of negative transaction information—including names, phone numbers, card numbers, and IP addresses—from all merchants’ transactions. This enables a continually refreshed fraud management system for all merchants, merchant acquirers and processors utilizing the uComm Global Virtual Hub.
Customer Scoring – uComm Transaction Gateway & Management has a scoring system to rate repeat customers and identify “bad actors”. Customers who chargeback, and request excessive refunds and credits, receive lower scores. The system then allows merchants to set limits on “bad actor” transactions.
CVV2/CVC2 monitoring – uComm Transaction Gateway & Management enables the merchant acquirer to monitor the three-digit CVV/CVC code verification enforcement, thereby providing a layer of security for card-not-present (CNP) transactions. Visa calls the three–digit code the Card Verification Value (CVV2) and MasterCard calls it the Card Validation Code (CVC2).
CVV2/CVC2 and AVS real-time alerts and reporting – uComm Transaction Gateway & Management provides real-time alerts to merchant acquirers when CVV2/CVC2 or AVS enforcement deviates from established policies, and allows periodic reports to track processor enforcement and merchant compliance and to detect trends.
Data breach insurance – uComm Insurance offers merchants and acquirers insurance against loss due to data security breaches, including the cost of forensic audits and fines levied by associations.
Deliver the most relevant content and promotions – uComm Advanced Analytics and Intelligence enables merchants to deliver the right offers to the right customer segments through the right online channels, thereby increasing response rates and transactions.
Email Retargeting – uComm Advanced Analytics and Intelligence has the ability to automatically retarget potential buyers, based on activities such as cart abandonment, extended search, and interest in companion products.
Fraud insurance – uComm Insurance offers merchants insurance against loss due to existing account fraud (the identity of the person who made the transaction cannot be established) and new account fraud (new accounts opened with stolen identity information), and offers merchant acquirers the same coverage plus insurance against merchant fraud (consumer orders taken but intentionally not delivered).
HIPAA insurance – uComm Insurance offers insurance to indemnify healthcare institutions from fines resulting from inadvertent violations of security, administrative or technical safeguards.
Increase customer acquisition and retention – By delivering a better user experience, more relevant content and targeted promotions, uComm Advanced Analytics and Intelligence enables merchants to acquire and retain more customers.
Level One PCI 2.0 DSS – The uComm Global Transaction Gateway & Management meets the Payment Card Industry (PCI) Level One Data Security Standard (DSS)—the most stringent, comprehensive standard meeting the twelve best practices and requirements for handling customer and payment card information.
Location Marketing – Ability to geo-fence a marketing program or e-commerce offering and deliver it to consumers located within the designated area.
Marketing, Promotions, & Reward Programs – uComm Advanced Analytics and Intelligence collects, analyzes, and manages merchant transaction data and feeds it back to the merchant for use as inputs to effective sales and marketing initiatives, including:
- Hot Spot Marketing
- Coupon & Push Promotions
- Loyalty Reward Programs
Measure and improve online user experience – uComm Advanced Analytics and Intelligence enables merchants to monitor and analyze customer behavior across all online commerce channels in order to improve customer engagement and facilitate easier, faster transactions.
Merchant ID (MID) load balancing – uComm Transaction Gateway & Management Merchant ID load balancing manages transaction routing to optimize multiple currency processing, minimize transaction costs, and reduce risk from concentrating payment processing with one or two financial institutions.
Monitor and measure social media influence and outreach – uComm Advanced Analytics and Intelligence enables a merchant to monitor and measure brand and competitor influence and outreach in social media networks and relevant interest-based communities by identifying influencers and observing their content, who it reaches, who acts upon it, and whether it is relayed to others.
Multiple international currency transactions – uComm Transaction Gateway & Management international transactions are automatically routed to the appropriate financial institution for local currency processing, thereby minimizing exchange fees and accelerating merchant payments.
Optimized interchange categorization – uComm Transaction Gateway & Management transaction-level data is accurately assessed and properly categorized to obtain the optimum interchange rate, thereby reducing the risk of inflated fees from miscategorized transactions and maximizing merchant margins and post-transaction revenue.
Politically Exposed Person (PEP) Identification – uComm eLocation and Identification contains fully sourced profiles of senior officeholders, military officials, judicial figures, state controlled enterprise directors, regional and municipal officials, legislators, and political party leaders, allowing customers to comply with global regulatory requirements.
Proactive fraud protection – The uComm Global Virtual Hub automatically monitors all transaction data in real time, suspicious transactions are blocked before settlement, and transactions can be flagged for review or automatically rejected on the basis of rules or account controls.
QR code authentication – The uComm Global Virtual Hub provides authentication of quick response (QR) codes to facilitate mobile commerce with devices using operating systems from Apple(iOS), Blackberry, Google (Android), Microsoft (Windows Phone) and Nokia (Symbian).
Real-time consumer risk monitoring and scoring – The uComm Global Virtual Hub automatically monitors and scores consumer transaction data and immediately alerts merchants and merchant acquirers to suspicious order activity based on consumer history, including amount, frequency, charge backs, refunds and disputes. Customer service can immediately intervene to evaluate and approve legitimate transactions, or block illegitimate transactions before settlement.
Real-time high-risk transaction detection – With the uComm Global Virtual Hub, transaction data are monitored from the consumer through the merchant and acquirer to the processor in order to detect high-risk activity at any juncture in the transaction chain, providing comprehensive end-to-end high-risk transaction detection.
Real-time merchant risk monitoring and scoring – The uComm Global Virtual Hub automatically monitors and scores merchants’ transactions and immediately alerts merchant acquirers to high-risk transactions based on transaction amounts, volumes and other rule-based violations. Merchant acquirers and processors can quickly review summary screens and easily drill down for more detailed information.
Real-time processor risk monitoring and scoring – The uComm Global Virtual Hub automatically monitors and scores transaction data from the processor banks and immediately alerts merchants and merchant acquirers to same card use violations and to rule violations at the transaction level and batch level to detect negative trends and events. Merchants and merchant acquirers can quickly review summary screens and easily drill down for more detailed information.
Recurring Billing System – The uComm Transaction Gateway & Management recurring billing system is unrivaled in the industry. Not only can merchants offer layaway on the fly, but they can create recurring billing plans with multiple payment sequences. Our self-service portal allows the consumer to update their payment information, make ad hoc payments, and receive notifications of failed payments. The self-service portal is proven to drive down call center activity and save merchants time and money. The layaway feature and self-service portal are offerings you won’t find anywhere else.
Rules-based engine for managing transactions – uComm Transaction Gateway & Management’s clear, simple menus allow 1) merchants to quickly and easily setup customer account controls and 2) acquirers to quickly and easily setup merchant account controls, instantly automating individual account transaction controls from the consumer through the merchant to the acquirer.
Segment customer base by online behavior – uComm Advanced Analytics and Intelligence enables merchants to analyze customer data such as demographics, purchase habits and preferred commerce channels in order to divide customers into different segments for more effective outbound marketing.
Social Media Influence Scoring – uComm Advanced Analytics and Intelligence helps merchants identify and market to VIP customers, including those with the ability to influence others via social media, for specific channels (e.g. travel, electronics, fashion, etc.)
Up-sell and cross-sell current and new customers – uComm Advanced Analytics and Intelligence enables merchants to collect, correlate and analyze data in order to offer premium products and packages to appropriate customer segments, and to offer additional products or services based on the cross-purchase habits of similar customer segments.
Transaction-only based pricing (no additional fees) – Pricing is solely transaction based with no additional fees to reduce merchant costs and increase net revenue.
Virtual Terminal – The virtual terminal features of uComm Transaction Gateway & Management not only enable a wide range of card-not-present transactions, but also allow customer service representatives to process sales, refunds, and credits through the gateway.