White Papers

Below are summaries of studies based on a statistical analysis of ID Analytics' proprietary ID Network®. This research allows an expanded, quantitative understanding of the nature of identity risk, and forms the underpinnings for better quantitative and qualitative endeavors. In turn, ID Network Members have profound insight into the methods of fraudsters and an accurate view of identity risk within their own organizations.

ID ScoreHarnessing Traditional and Alternative Credit Data: Credit Optics 5.0

Lenders and service providers are once again focusing on controlled growth and adjusting to a lending environment that has forever changed. Today's regulatory and competitive pressures make it more important than ever for credit providers to make informed, effective risk assessments. To make the most attractive, yet profitable offers to increasingly in-demand consumers, it is no longer sufficient to use only traditional credit history data. Conventional credit scores have been shown to provide a limited view of consumer behavior and its associated risk. To deliver smart, targeted, offers for credit and services, organizations need comprehensive and current visibility into consumer risk, which is attainable only through the combination of traditional and alternative forms of credit data. Credit Optics® from ID Analytics® combines the power of traditional and alternative data to develop optimal credit decisions, allowing organizations to grow their portfolios while controlling exposure to risk.

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ID ScoreImproving Insight into Identity Risk through Attributes

Risk management strategies are often presented with two distinct challenges: assessing the risk associated with existing customers and evaluating new customers. The data they have at their disposal to manage these risks differs significantly. Companies who offer new products or services to existing customers can simply use historic performance data to make those decisions. But what can a company do to manage risk when it wants to offer products or services to brand new customers? Identity attributes are an excellent complement (or alternative) to traditional scores when an institution is looking for a third-party opinion about a prospective customer’s legitimacy or risk for fraud. Whether an institution wants to authenticate an identity or prevent fraud, identity attributes are powerful tools that can reduce risk while facilitating safe commerce. This white paper will explain what identity attributes are, how to use them, and how a company might go about assessing their value.

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ID ScoreI See Fraud Rings, 2012

According to a new study by ID Analytics' ID:A Labs, there are more than 10,000 identity fraud rings in the U.S. This study is the first to systematically find many thousands of identity fraud rings, which was accomplished by developing an algorithm capable of automating the process of examining the interconnections between identity fraudsters to uncover rings of organized activity.

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ID ScoreIdentity Manipulation Study, 2012

In this paper, we will describe several insights derived from over 10 years of data-intensive analysis into the phenomenon of identity fraud. Specifically, this paper provides insight into the several categories of identity fraud, and describes tools and techniques used to detect and mitigate these behaviors. We also provide real-life examples and quantitative statistics for two specific use identity fraud modes: identity manipulation and the misuse of deceased identities.

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Consumer Notification Service, 2011

This paper explores a new and compelling concept in fraud prevention that works by connecting companies directly with a consumer at the actual moment the consumer’s personal information is being used in a commercial transaction. Consumers know if they are or are not applying for a credit card, buying a cell phone, a big box TV or satellite television service. They also know if they have updated or changed their account information, if they have ordered or re-ordered personal checks, or if they have authorized any number of other typical transactions. Establishing a direct, real-time communication channel between businesses and consumers ultimately benefits both parties. Businesses benefit by preventing fraudulent transactions and the associated losses. Consumers benefit by gaining accurate exposure to the use of their personal information in the marketplace and avoiding the costly and time-consuming process of restoring their identity after a fraudulent event.

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Risk-Based Identity Proofing:
A New Approach to Online Identity Verification, 2010

With growing cyberthreats and business demands, both the private sector and the government have seen an increased need to enhance proofing of online users. This white paper first describes the technical challenges that have hindered the proofing of online identities to date. It then describes risk-based identity proofing, a powerful new technology that enables more accurate, convenient and cost-effective verification of consumers' online identities. Risk-based identity proofing uses quantitative risk-assessments to refine decisions about which identities should be allowed to enter a system, and which identities should be denied access. The technology funnels an asserted identity through a series of steps to isolate fake and synthetic identities, identifies low-risk identities for efficient processing and resolves high-risk identities. In contrast to traditional proofing solutions, risk-based authentication can verify a high percentage of users in a repeatable, demonstrable manner.

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Address Discrepancy Data Study:
Address Mismatch and Change of Address, 2009

Organizations across a wide array of industries struggle to effectively identify fraudulent address changes, and new Federal regulations are placing more stringent responsibilities on creditors to resolve address discrepancies. After finding that conventional variables such as comparative area income levels and distance moved have limited predictive value, ID Analytics investigated an alternative approach. This white paper teaches you how to distinguish legitimate consumer address changes from fraud and account take-over.

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Additional ID Analytics White Papers

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