Advanced Credit Technologies Inc. announced it has fully integrated its CyberloQ technology into QRails Global cutting-edge payment processing platform(s) to enable innovative new user experiences. The multi-factor authentication of CyberloQ uses multiple scenarios to protect cardholder accounts. CyberloQ uses SIC codes for companies or parents wishing to prevent access to certain “purchases or services. Leveraging Google’s geolocation service, CyberloQ creates a virtual boundary – otherwise known as a Geofence – around each user and their confidential information. Designated perimeters can be a city, a building, or even more specific parameters for a business client. The goal of both Companies is to prevent FRAUD before it happens, thus providing the card network and the cardholder with the best possible user experience.