Fraud and Identity Management

Know the physical identity

Our solutions use proprietary linking technology in combination with our own unique identifier, LexID®, to resolve, match and manage hundreds of millions of consumer data attributes, such as address, phone number and credit bureau data to form a profile, a unique LexID, of a transacting individual.

This patented linking and clustering method is the driver behind many of our identity authentication, identity verification and other identity management solutions.

Know the digital identity

Our solutions reveal the digital DNA and unique online footprint of an individual, knitting together trusted digital identities that fraudsters cannot fake. Harnessing intelligence related to devices, locations, identities and past behaviours across the LexisNexis® Digital Identity Network®, we can help you quickly and accurately distinguish between trusted and fraudulent behaviour.

Know the risks associated with the identity

Our solutions combine the power of the LexisNexis® Digital Identity Network®, which leverages global shared intelligence across 30 billion aggregated global transactions, with a contributory global database of more than 40 million fraud-associated email addresses and data from the Met Police Amberhill national fraud database.

This, combined with our powerful analytics and machine learning technology, can help businesses detect potential current and future fraud risk, providing scores and indicators in near real-time, to support an informed risk decision.

Balance strong identity security with minimal customer friction

When customer accounts are compromised by fraudsters, the damage isn’t limited to financial loss. Instances of account takeover can severely hinder business growth, damage reputation and affect regulatory compliance or intellectual property.

The challenge for businesses is how to validate customer identities without introducing friction into the process. Our solutions allow businesses to increase recognition of trusted customers and reliably detect high-risk or fraudulent behaviour as transactions occur.

Spot suspicious password resets

Password resets enable fraudsters to take over online accounts, often using stolen credentials. Adding our solution to account pages post-login enables you to profile the password reset touchpoint, in turn enabling you to complete ongoing risk assessments that can be used for decision making, either during that particular session, or at a later date.

Detect unusual changes to personal details

Changing the contact information – e.g. phone number or email address – linked to a genuine customer account, enables fraudsters to take control of it, since subsequent authentication checks will be sent to the fraudster, not the genuine user.

Monitor Ad Listings

Ad listings, posted on places such as marketplaces and auction sites, allow fraudsters to control the sale or promotion of goods and services. This can provide a way of monetising stolen goods, posting fake listings for properties or services, or creating phony reviews to facilitate sales.

Recognise unusual transfers between customer accounts

Money transfers between a customer’s different bank accounts is sometimes an indication that a fraudster has taken over that account and is preparing to make a fraudulent authorised push payment (APP) to steal money.

Verify other high-risk customer interactions

New channel registrations, creating or editing standing order and direct debit mandates, and modifications to named beneficiaries are all high-risk interactions that could indicate a fraudster mimicking a new or returning customer.

Identify fraudulent and high-risk payments as they occur

Consumers increasingly expect fast, convenient, and safe payment experiences when they shop online, manage their finances, or interact on social media. The challenge for organisations is the balance between strong authentication processes to detect fraud and fast, seamless payments for genuine customers. Get it wrong and genuine customers receive a poor experience, abandon transactions and are less likely to return.

Smart businesses arm themselves with multi-layer fraud defences designed to detect and block the full spectrum of attacks by differentiating good, trusted users from potential threats in near real-time, before, during and after a transaction is processed.

Enhance risk decisioning in near real-time

Our deep connection analysis technologies give you a clearer view of suspicious events. 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 solution examines TCP/IP packet header information to expose both the Proxy IP address and True IP address. These techniques help you to gain detailed network level signals for more reliable decision making.