Can your business spot the good from the bad?

Identity Verification

Our powerful identity verification tools provide industry-leading coverage, combining proprietary linking technology with extensive data sourced from public records, multiple credit bureaus and information from local authorities and other public organisations.

Address Verification

Drawing on National Fraud Initiative data from over a thousand public organisations, our tools provide an authoritative source of address verification that can help increase match rates, strengthen the identity verification process and fill gaps for consumers with limited credit history.

Bank Account Verification

Accurately matching the name and address of an identity with the bank account details provided, is an important step in preventing identity fraud. In conjunction with payment transactions, the service also allows businesses to verify whether a bank account is open or closed.

Online Document Authentication

Enhance customer experience and accelerate onboarding by replacing paper-based ID processes and putting identity assurance in your customers’ hands.

Our solutions use up to 50 different text and image-based tests to help determine identity document authenticity, including checking against over 4,000 ID types from nearly 200 countries.

Facial Biometrics

Our mobile identity app allows customers to quickly and conveniently authenticate themselves using government-issued identity documents. The customer takes a selfie and completes a liveness check to verify they are a real and present person, while facial biometrics technology helps confirm that the identity presented belongs to the individual claiming it.

Account Takeover Detection

Prevent account takeover by alerting your organisation when fraudsters are detected attempting to access a legitimate customer account using credentials obtained illicitly through methods such as phishing attacks, keylogging, breaches or brute force techniques.

Trust Tags for Trusted Users

Trust can be assigned dynamically to an entity, using any chosen combination of online attributes, such as device, email address card details or any other identifiers used to accept, reject or review a transaction.

Device Binding

Device binding allows users to transact with online services without being subjected to repetitive authentication processes on each return. Reliable and consistent verification of a trusted transacting device is achieved by registering the device and binding it with a user credential, such as:

Strong Device ID: Securely links an authorised user to their mobile or non-mobile device by leveraging secure keys.

Carrier ID: Uses SIM card hardware for mobile devices, linking the user’s device and user context with it.

Bot Detection

Our solutions can help detect bot attacks by comparing analysis of user behaviour gathered during periods of normal operation, with similar data gathered during an attack. This enables your organisation to differentiate between a genuine human customer and a bot, as soon as they login and attempt to transact.

Remote Access, Jailbreaking, Virtual Machines and Malware Detection

Fraudsters often attempt to hide behind location and identity cloaking services such as hidden proxies, VPNs and the TOR browser. With proxy piercing technology, our solutions examine TCP/IP packet header information to expose both the Proxy IP address and True IP address – revealing the user’s actual geo-location and allowing a clearer analysis of potential fraud risk.

RAT Detection

Harnessing intelligence from the LexisNexis® Digital Identity Network®, our solutions can help detect patterns of high-risk behaviour associated with scams and remote access attacks, such as a first-time installation of remote access software, followed by an authorised push payment being made to a new beneficiary.

Known Bad Devices and Identities

We provide a clear-box approach to behavioural analytics and machine learning. Our smart analytics generate dynamic profiles matched to individual user behaviour, helping to build a simple, yet accurate model of your customers. The result is fewer false positives, better customer experience and lower instances of fraud.

Beneficiary Protection

The beneficiary is a perfect escape route for fraudsters. Cybercriminals can create or modify the beneficiary details of an account they control in order to become the ‘legitimate’ recipient of funds. Our solutions reliably detect unusual payee and payment activity by combining device attributes, malware detection and sophisticated analytics with the user’s identity and transaction details. This near real-time fraud analysis provides an additional layer of protection, helping reduce fraud costs, whilst ensuring a frictionless online experience for legitimate customers.

Account Takeover Detection

Prevent account takeover by detecting fraudsters attempting to access an existing account using credentials obtained through phishing attacks, keylogging, breaches or brute force techniques.

Social Engineering Detection

The LexisNexis® Dynamic Decision Platform helps protect you and your customers against social engineering attacks using forensic device profiling and smart behavioural analytics. Our solutions analyse customer behaviour for potential fraud, at each stage of their user journey, identifying if remote access software has been installed and detecting unusual or high-risk payments behaviour, such as to new beneficiaries.

Fraudulent Payment Detection

Leveraging the LexisNexis® Digital Identity Network®, global shared intelligence from our solutions can identify the use of stolen identity credentials and detect high-risk payments as transactions occur.

High-Risk Payment Detection

Provide an extra level of assurance for high-risk payments, or those that require additional authentication as a result of regulatory requirements such as PSD2. In addition to mobile app security and device binding, Multifactor Authentication (MFA) secure Notifications enable push notifications to be sent to the user’s mobile device for low-friction authentication, without the associated costs of setting up SMS.

Social Engineering Detection

Help prevent the origination of mule accounts through Device ID and IP linkage, utilising models to identify mule profiles and behaviour. Trust Tags provide an additional layer of intelligence for financial institutions, enabling you to better know your customers and ensure that they are treated proportionately to the risk they pose to your organisation.

3D Secure

We help businesses to reduce the 3D-Secure challenge rate. Analysing attributes relating to device, location and behaviour, our solution enables you to distinguish between trusted and high-risk behaviour in near real-time, and help you implement an efficient transaction authentication strategy.

Capabilities such as Smart Rules allow you to examine the historical data related to a given transaction, in order to run a deep behavioural assessment. This helps you reliably differentiate between fraud and legitimate behaviour change, reducing the 3DS step-up frequency, without increasing overall risk.

Reduce Checkout Abandonment

Our solutions enable you to better identify trusted customers, reducing the need for them to undergo additional layers of authentication, improving their conversion rates and decreasing checkout abandonment.

Reduce Friction

Our data intelligence can enhance risk decisioning; higher risk transactions can be flagged for 3D Secure authentication, while transactions from trusted users can be approved without the need for additional authentication.

Criminal Network Detection

The LexisNexis® Digital Identity Network® can provide your organisation with an assessment of the likely legitimacy of a customer, even if they’re being seen for the very first time, leading to better risk decisioning overall.

Mule Detection

Help to prevent mule account opening through the use of Device ID and IP linkage utilising models that can identify mule profiles and behaviour. Trust Tags provide an additional layer of intelligence for financial institutions, helping you to know your customers better, ensuring they’re treated appropriately according to their risk profile, history and reputation.

Data Sharing Consortiums

Our consortiums facilitate information sharing to drive a collective fight against fraud. This creates an industry-focused, peer-based layer of intelligence that complements your organisation’s local intelligence and the global shared intelligence harnessed through the Digital Identity Network. This enables businesses with common goals, challenges or fraud risks to share their negative and positive data attributes in near real-time, across an agreed set of Consortium members and contributors. It also allows for more targeted real-time risk assessments, while maintaining logical separation of member data.

Consortium affords organisations greater context within their data; enabling them to see and understand, for example, device blacklists. Smarter insights lead to better contextualised fraud decisions. The tool is configurable, allowing you to create targeted lists for different use cases, such as account takeover and mule detection.

1st Party Fraud Detection

Often referred to as “credit muling” or “equipment gaming,” first-party fraud occurs when real consumers use their real identities and personal information, albeit with minor variations, to apply for multiple, high-value products with no intention of paying for them or honouring their contractual agreements. Our solutions help to expose first-party fraud through an expansive, proprietary shared intelligence network that collects consumer behavioural data, forming an historical picture of how a consumer typically behaves.

2nd Party and Collusive Fraud Detection

In collusion, or 2nd party fraud, criminals recruit one or more people to carry out fraud on their behalf. A prominent example is Money Mules, a form of money laundering where fraudsters transfer money to a ‘mule’ account, which the owner then transfers onwards, or withdraws as cash to hand back, each time taking a small commission. Leveraging digital identity intelligence such as device and IP attributes helps build and utilise models to identify 2nd party fraud as it occurs.