Rather than being pre-programmed to try and anticipate every possible scenario or relying on pre-trained models, Brighterion’s unique Smart Agent artificial intelligence technology tracks and adaptively learns the specific behavior of every entity of interest, (cardholder, merchant, device, etc.), over time. Each Smart Agent pulls all relevant data across multiple channels to produce robust virtual profiles. Each profile is automatically updated in real-time, and the resulting intelligence is shared across all relevant business lines (card present, card not present, ACH, wire, etc.).