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 ScoreConsumer 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.

To request a copy of the white paper, click here.

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.

To request a copy of the white paper, click here.

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.

To request a copy of the white paper, click here.

Additional ID Analytics White Papers

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